1st Advantage MortgageRandolph County households have a median income of $60,791 and median rent of $723 a month (ACS 2020 to 2024). Those figures describe the county, not you: compare at least three written offers by APR and total cost, and confirm the lender's license before you apply.
On this page
- 24,387 residents: Randolph County basics
- Renting and owning in Randolph County
- Randolph County at the extremes
- Randolph County income bands
- Work, industries and travel time in Randolph County
- Randolph County communities by population
- Neighboring counties at a glance
- What a median Randolph County budget can carry
- Randolph County demographics against Indiana
- Before borrowing in Randolph County
- Four steps for Randolph County borrowers
- Verifying a lender from Randolph County
- Other Indiana guides
- Frequently asked questions
24,387 residents: Randolph County basics
The latest five-year Census estimate puts Randolph County's population at 24,387; only 63 of Indiana's 92 county-level areas are larger. Density: about 53.9 residents per square mile across 452 square miles of land. It sits outside every metropolitan statistical area in the July 2023 OMB delineation. Largest place: Winchester, about 5,284 residents (22% of Randolph County); 9 Census places in all.
Renting and owning in Randolph County
$723 a month is the median gross rent in Randolph County, 32% below the state. About 5 in 10 Randolph County renters pay 30% or more of income for rent. Randolph County homes are worth $113,400 at the median, a 1.9-to-1 ratio to income. Homeowners 77%, renters 23%.
| Housing | Randolph County | Indiana statewide | Randolph County vs state |
|---|---|---|---|
| Median gross rent | $723/mo | $1,062/mo | 32% lower |
| Median home value | $113,400 | $218,200 | 48% lower |
| Owners | 77% | 71% | +6.7 pts |
| Rent-burdened renters | 49% | 48% | +1.1 pts |
| Burdened owners | 15% | 20% | -4.9 pts |
| Mobile homes | 8.3% | 4.4% | +3.9 pts |
| Vacant units | 9% | 9% | +0.4 pts |
With 77% of Randolph County homes owner-occupied, equity is a real alternative for many readers; just remember a missed HELOC payment puts the home at risk.
Randolph County at the extremes
Ranked against the other 91 county-level areas in Indiana, these are the Randolph County figures furthest from the middle.
- Median home value: $113,400 in Randolph County. Only 2 of 92 Indiana counties are lower. With modest home values, equity borrowing is rarely large.
- Few Indiana counties match Randolph County on the share of households earning $100,000 or more: 24% here, 34% for the state, ranking 8th lowest of 92. Most budgets here are modest, so keep payments small.
- Randolph County ranks 7th lowest of 92 Indiana counties for median gross rent: $723/mo, against $1,062/mo statewide. Cheaper housing gives many renters more slack in a budget.
- The poverty rate: 15.8% in Randolph County. Only 12 of 92 Indiana counties are higher. Free help, such as utility and rent assistance, should come before any loan.
Randolph County income bands
The median household income in Randolph County is $60,791; statewide it is $71,957, so Randolph County runs 16% below Indiana as a whole.
| Yearly household income | Randolph County | Gap to Indiana |
|---|---|---|
| Under $35,000 | 27.4% | +4.8 pts |
| $35,000 to $99,999 | 49.0% | +5.6 pts |
| $100,000 to $199,999 | 20.3% | -5.5 pts |
| $200,000 or more | 3.3% | -4.9 pts |
On the low end, 27% of Randolph County households report under $35,000; at the top, 24% report $100,000-plus. Poverty rate, Randolph County: 15.8%; Indiana: 12.3%. Gini index for Randolph County: 0.433. A household earning below the $60,791 median should test any payment carefully; one earning above it should still pick the shortest term it can manage.
Work, industries and travel time in Randolph County
The biggest employer of Randolph County residents, by industry, is education and health care at 23% of workers, followed by manufacturing (21%). Compared with Indiana, the county leans toward agriculture, forestry and mining (5% against 1%). The survey's unemployment rate for Randolph County averages 4.5% over 2020 to 2024 (state: 4.3%). 15% of commuters travel 45 minutes or more each way, and 6% work from home.
| Industry (employed residents 16+) | Randolph County | Gap to Indiana |
|---|---|---|
| Education and health care | 22.9% | -0.6 pts |
| Manufacturing | 21.0% | +3.0 pts |
| Retail trade | 9.5% | -1.2 pts |
| Arts, lodging and food service | 8.3% | +0.5 pts |
| Construction | 8.0% | +1.4 pts |
| Professional and administrative services | 7.3% | -1.9 pts |
A lender verifies what your own job pays. The county's industry mix tells you about the local economy, not about your application.
Randolph County communities by population
The table lists the 9 largest of 9 Census places in Randolph County, by population. Together all 9 hold about 13,519 people, so roughly 45% of residents live outside any named place. Parker City ($58,558) and Lynn ($38,438) mark the top and bottom of Randolph County's income range among larger places. Live in one of these Randolph County communities, or between them? This is your local guide.
| Town or CDP | Type | People | Median household income | Median gross rent | Miles from center |
|---|---|---|---|---|---|
| Winchester | city | 5,284 | $52,439 | $756 | 2 mi |
| Union City | city | 3,569 | $39,360 | $595 | 10 mi |
| Farmland | town | 1,276 | $41,206 | $832 | 7 mi |
| Parker City | town | 1,211 | $58,558 | $717 | 11 mi |
| Lynn | town | 943 | $38,438 | $661 | 9 mi |
| Ridgeville | town | 569 | $38,750 | $736 | 9 mi |
| Saratoga | town | 249 | $53,125 | $755 | 7 mi |
| Losantville | town | 238 | $54,107 | $888 | 14 mi |
| Modoc | town | 180 | $64,167 | $746 | 10 mi |
Neighboring counties at a glance
Distances run center to center, from Jay County at 19 miles out to Blackford County at 27. Richest neighbor: Darke County, $64,486. Poorest: Blackford County, $51,326. Randolph County: $60,791. Some neighbors are in Ohio. Lender licensing is state by state, so a loan for a Randolph County resident follows Indiana rules.
| County | Miles | Median household income | Median rent | Homeownership |
|---|---|---|---|---|
| Randolph County | - | $60,791 | $723/mo | 77% |
| Jay County, IN | 19 mi | $54,969 | $770/mo | 80% |
| Darke County, OH | 20 mi | $64,486 | $779/mo | 72% |
| Wayne County, IN | 21 mi | $55,692 | $815/mo | 69% |
| Delaware County, IN | 21 mi | $58,127 | $906/mo | 66% |
| Henry County, IN | 26 mi | $63,150 | $820/mo | 76% |
| Blackford County, IN | 27 mi | $51,326 | $699/mo | 74% |
What a median Randolph County budget can carry
Randolph County's $60,791 median income, run through a debt-to-income check:
- $5,066 a month: gross income for a household at the Randolph County median
- Housing at the median rent of $723 uses 14%
- At 36%, room after rent is $1,101 a month
- $1,455: what a 43% ratio leaves once rent is paid
Car, student loan and card payments come out of that room first. Try your own numbers in the calculator.
Randolph County demographics against Indiana
15% of Randolph County adults 25 and older hold a bachelor's degree or more. Health coverage gaps: 7.2% of Randolph County residents are uninsured.
| Indicator | Randolph County | +/- Indiana | +/- U.S. county |
|---|---|---|---|
| Bachelor's or higher | 15.1% | -14.4 pts | -7.1 pts |
| Work from home | 5.6% | -5.1 pts | -3.0 pts |
| Median age | 42.3 | +4.2 yrs | +0.8 yrs |
| Poverty rate | 15.8% | +3.5 pts | +2.7 pts |
| No high school diploma | 9.1% | -0.5 pts | n/a |
| No vehicle | 6.6% | +0.4 pts | +1.2 pts |
| Unemployment (ACS) | 4.5% | +0.3 pts | +0.1 pts |
| No health insurance | 7.2% | -0.2 pts | -0.7 pts |
| One-way commute | Share of Randolph County workers |
|---|---|
| Under 15 min | 39.0% |
| 15 to 29 min | 29.2% |
| 30 to 44 min | 16.5% |
| 45 to 59 min | 7.3% |
| 60+ min | 8.0% |
Before borrowing in Randolph County
What the Randolph County figures suggest, and what to check first:
- Rent squeeze. 49% of renters spend 30%+ of income on rent; borrow only if the loan cuts what you pay overall.
- Check your file. An error fixed before you apply can change the offers a Randolph County borrower sees (free reports).
- Fraud. Gift cards, wire transfers or fees to unlock a loan mean walk away (report it).
Four steps for Randolph County borrowers
Steps that save money for Randolph County residents:
- Borrow the amount the job needs; extra cash adds interest.
- Compare the total repaid on every offer, not just the payment.
- Only work with lenders licensed for Indiana borrowers.
- Ask about early-payoff penalties.
Verifying a lender from Randolph County
Before sharing details with a lender, a Randolph County resident can confirm its license with the Indiana Department of Financial Institutions. A CFPB complaint gets forwarded to the company for a response. State-level detail for Randolph County borrowers is in the Indiana guide.
Other Indiana guides
For statewide rules and data, see the Indiana guide.
Frequently asked questions
What is the median household income in Randolph County?
$60,791 a year in the 2020 to 2024 Census survey, versus $71,957 for Indiana. It ranks 79th of 92 in the state.
Can a Randolph County renter afford a loan payment?
At the $723 median rent and $5,066 median monthly income, rent alone uses 14%; add other debts before a new payment.
Does this page cover Winchester?
Yes, along with the other 8 Census places in Randolph County, such as Union City, Farmland, Parker City.
Are Randolph County applicants treated differently?
No. Everyone answers the same questions and is screened on the same objective points; lending partners set their own criteria under fair-lending laws.
How do I know a lender is legitimate in Randolph County?
Look it up with the Indiana Department of Financial Institutions, read the written offer, and refuse any fee before funding.