1st Advantage MortgageSchuyler County households have a median income of $61,205 and median rent of $382 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
- Who lives in Schuyler County
- Employment and commuting in Schuyler County
- How much Schuyler County households make
- Renting and owning in Schuyler County
- Schuyler County next to its neighbors
- The communities that make up Schuyler County
- More Schuyler County figures
- Local borrowing considerations for Schuyler County
- Debt-to-income at Schuyler County's medians
- Steps before you apply in Schuyler County
- Checking a lender's license in Missouri
- Nearby and statewide guides
- Frequently asked questions
Who lives in Schuyler County
Schuyler County is home to about 4,038 people, according to the Census Bureau's 2020 to 2024 American Community Survey, which makes it the 112th most populous of 115 county-level areas in Missouri. Spread over 307 square miles, that works out to roughly 13.1 residents per square mile. No metropolitan area includes Schuyler County in the 2023 federal delineation, so its numbers stand on their own rather than as part of a metro. Lancaster is the biggest of its 5 Census places, at roughly 742 people (18% of the county total). Small populations mean wide margins of error, so read every Schuyler County figure on this page as a rough guide.
Employment and commuting in Schuyler County
The biggest employer of Schuyler County residents, by industry, is education and health care at 26% of workers, followed by retail trade (13%). The sharpest difference from the state is in agriculture, forestry and mining, at 9% locally and 2% for Missouri. The survey's unemployment rate for Schuyler County averages 3.7% over 2020 to 2024 (state: 4.0%). About 81% drive to work alone and 17% have trips of 45 minutes or more. Only 5.9% of homes here go without a vehicle.
| Industry | Share of Schuyler County workers | vs Missouri |
|---|---|---|
| Education and health care | 26.0% | +1.6 pts |
| Retail trade | 13.3% | +2.0 pts |
| Manufacturing | 12.1% | +0.8 pts |
| Arts, lodging and food service | 8.9% | +0.8 pts |
| Agriculture, forestry and mining | 8.5% | +6.9 pts |
| Other services | 6.7% | +1.9 pts |
Industry shapes paperwork. Salaried and public jobs are easy to verify, while hourly, tipped, commission or contract earners in Schuyler County should have bank statements and tax returns ready.
How much Schuyler County households make
The median household income in Schuyler County is $61,205; statewide it is $70,702, so Schuyler County runs 13% below Missouri as a whole. In the state ranking that is 53rd of 115.
| Income band | Share in Schuyler County | Difference from Missouri |
|---|---|---|
| Under $35,000 | 26.0% | +2.4 pts |
| $35,000 to $99,999 | 51.5% | +9.0 pts |
| $100,000 to $199,999 | 21.2% | -4.1 pts |
| $200,000 or more | 1.3% | -7.4 pts |
The spread is wide: 22% of Schuyler County households make $100,000 or more, and 26% make less than $35,000. 8.6% of residents fall below the federal poverty line (statewide: 12.6%). Income from any regular source can count, including Social Security, pensions and disability benefits, as long as you can document it.
Renting and owning in Schuyler County
Renters in Schuyler County pay a median of $382 a month, 63% below the Missouri figure of $1,033. Rent takes 30% or more of income for 20% of renter households here. The median owner-occupied home is valued at $137,500, about 2.2 times the median household income. The ownership rate is 80%. Half the housing stock was built before 1964.
| Measure | Schuyler County | Missouri | Median U.S. county |
|---|---|---|---|
| Median gross rent | $382/mo | $1,033/mo | $877/mo |
| Median home value | $137,500 | $230,300 | $185,300 |
| Owners | 80% | 68% | 75% |
| Rent-burdened renters | 20% | 46% | 45% |
| Burdened owners | 10% | 22% | n/a |
| Mobile homes | 9.8% | 5.2% | n/a |
| Vacant units | 31% | 11% | n/a |
Owners with equity have a second option. Weigh a secured line against an unsecured loan by risk as well as cost before you choose (how they compare).
Schuyler County next to its neighbors
Distances run center to center, from Adair County at 20 miles out to Knox County at 30. Income ranges from $54,934 in Appanoose County to $77,194 in Davis County; 4 of these neighbors top Schuyler County's median. Some neighbors are in Iowa. Lender licensing is state by state, so a loan for a Schuyler County resident follows Missouri rules.
| County | Miles | Median household income | Median rent | Homeownership |
|---|---|---|---|---|
| Schuyler County | - | $61,205 | $382/mo | 80% |
| Adair County, MO | 20 mi | $61,536 | $772/mo | 61% |
| Scotland County, MO | 20 mi | $68,913 | $511/mo | 82% |
| Davis County, IA | 20 mi | $77,194 | $868/mo | 83% |
| Putnam County, MO | 26 mi | $63,510 | $521/mo | 83% |
| Appanoose County, IA | 27 mi | $54,934 | $784/mo | 69% |
| Knox County, MO | 30 mi | $57,788 | $666/mo | 85% |
The communities that make up Schuyler County
The table lists the 5 largest of 5 Census places in Schuyler County, by population. Together all 5 hold about 2,205 people, so roughly 45% of residents live outside any named place. This guide covers each of the 5 places and the rural areas around them.
| Name | Kind | Pop. | Income | Rent | Miles |
|---|---|---|---|---|---|
| Lancaster | city | 742 | $49,444 | $349 | 4 mi |
| Queen City | city | 650 | $48,884 | $383 | 5 mi |
| Greentop | city | 331 | $67,614 | $408 | 9 mi |
| Downing | city | 277 | $32,308 | $361 | 8 mi |
| Glenwood | village | 205 | $90,625 | n/a | 5 mi |
More Schuyler County figures
Degree holders: 12% of adults over 25. About 15% go without health insurance.
| Schuyler County | Missouri | U.S. county median | |
|---|---|---|---|
| Median age | 39.2 | 39.0 | 41.5 |
| Bachelor's or higher | 11.8% | 32.4% | 22.2% |
| No high school diploma | 7.0% | 8.1% | n/a |
| No health insurance | 15.5% | 8.8% | 7.8% |
| No vehicle | 5.9% | 6.6% | 5.4% |
| Work from home | 6.6% | 13.0% | 8.7% |
| Poverty rate | 8.6% | 12.6% | 13.2% |
| Unemployment (ACS) | 3.7% | 4.0% | 4.4% |
| Minutes to work | Schuyler County workers |
|---|---|
| Under 15 min | 28.6% |
| 15 to 29 min | 26.4% |
| 30 to 44 min | 27.8% |
| 45 to 59 min | 8.6% |
| 60+ min | 8.6% |
Local borrowing considerations for Schuyler County
Where the Schuyler County numbers stand out, and why it matters for a loan:
- Uninsured care. 15% lack coverage here; nonprofit hospitals must publish an assistance policy, so ask for it first (guide).
- Advance-fee offers. No legitimate lender asks a Schuyler County borrower to pay first (scam signs).
- Know your credit. Review all three bureau reports for free (AnnualCreditReport.com).
Debt-to-income at Schuyler County's medians
Lenders compare monthly debt payments with gross monthly income, the debt-to-income ratio. For a Schuyler County household at the medians it works out like this; treat it as an illustration only.
- Monthly gross at the median, Schuyler County: $5,100
- 7% goes to median rent ($382)
- At 35%, room after rent is $1,403 a month
- At 45%, room after rent is $1,913 a month
Car, student loan and card payments come out of that room first. Try your own numbers in the calculator.
Steps before you apply in Schuyler County
A short checklist for Schuyler County borrowers:
- Size the loan to the bill, not to the most a lender offers.
- Ask each lender for the APR and all fees in writing.
- Look the lender up with the state regulator first.
- Read the final agreement; it must match the offer.
Checking a lender's license in Missouri
No county office licenses personal lenders. For Schuyler County, check the Missouri Division of Finance. A CFPB complaint gets forwarded to the company for a response. More on Missouri: Missouri personal loans.
Nearby and statewide guides
For statewide rules and data, see the Missouri guide.
Frequently asked questions
Is Schuyler County a high-income county?
Its $61,205 median ranks 53rd of 115 Missouri counties and compares with $65,681 for the median U.S. county.
How does Schuyler County rent compare with Missouri?
$382 locally versus $1,033 for the state, 63% below.
Should Schuyler County homeowners use home equity instead?
Maybe, but weigh the risk: 80% of Schuyler County homes are owner-occupied, and a home-equity loan or line is secured by the house while a personal loan usually is not.
I live in a small Schuyler County town. Is this my guide?
Yes. If your town has no city guide, this county page is the local one; it covers Lancaster, Queen City, Greentop, Downing, Glenwood.
Is the fit check different in Schuyler County?
No. It is identical everywhere, and it never looks at your neighborhood.