1st Advantage MortgageTioga County households have a median income of $64,899 and median rent of $863 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
- A quick profile of Tioga County
- Income in Tioga County compared with Pennsylvania
- Work, industries and travel time in Tioga County
- What it costs to live in Tioga County
- How Tioga County compares with nearby counties
- Cities, towns and CDPs in Tioga County
- Debt-to-income at Tioga County's medians
- Borrowing situations common in Tioga County
- Who lives in Tioga County, in numbers
- Licensing and complaints for Tioga County
- Four steps for Tioga County borrowers
- Nearby and statewide guides
- Frequently asked questions
A quick profile of Tioga County
Roughly 40,945 residents live in Tioga County, Pennsylvania, 51st by population among the state's 67 counties and county equivalents. It covers 1,134 square miles of land, or about 36 people per square mile. It sits outside every metropolitan statistical area in the July 2023 OMB delineation. The Census Bureau counts 12 places in the county (10 incorporated, 2 census-designated); the largest is Wellsboro, with about 3,437 residents, or 8% of the county.
Income in Tioga County compared with Pennsylvania
The median household income in Tioga County is $64,899; statewide it is $77,971, so Tioga County runs 17% below Pennsylvania as a whole. Only 38 Pennsylvania counties post a higher median.
| Income band | Share in Tioga County | Difference from Pennsylvania |
|---|---|---|
| Under $35,000 | 25.2% | +3.2 pts |
| $35,000 to $99,999 | 46.8% | +7.7 pts |
| $100,000 to $199,999 | 22.4% | -4.7 pts |
| $200,000 or more | 5.6% | -6.2 pts |
The spread is wide: 28% of Tioga County households make $100,000 or more, and 25% make less than $35,000. Census counts 11.7% of Tioga County residents in poverty, against 11.7% across Pennsylvania. None of these numbers decides a Tioga County application. Lenders weigh your own documented income against your own debts.
Work, industries and travel time in Tioga County
The biggest employer of Tioga County residents, by industry, is education and health care at 24% of workers, followed by manufacturing (16%). Compared with Pennsylvania, the county leans toward manufacturing (16% against 11%). Averaged over the five survey years, 4.6% of the labor force was out of work and looking. 14% of commuters travel 45 minutes or more each way, and 8% work from home.
| Top industries | Tioga County share | +/- vs Pennsylvania |
|---|---|---|
| Education and health care | 24.3% | -2.3 pts |
| Manufacturing | 16.2% | +4.8 pts |
| Retail trade | 11.9% | +0.9 pts |
| Arts, lodging and food service | 8.2% | +0.8 pts |
| Transportation, warehousing and utilities | 7.3% | +1.2 pts |
| Professional and administrative services | 6.9% | -4.4 pts |
Shorter commutes usually mean lower vehicle costs, which can leave more room for a payment, or for paying a loan off early.
What it costs to live in Tioga County
Renters in Tioga County pay a median of $863 a month, 29% below the Pennsylvania figure of $1,209. 46% of renting households spend 30% or more of income on rent, and 19% spend half or more. Home values center on $181,100, or 2.8 years of median income. 77% of Tioga County households own their home and 23% rent.
| Housing | Tioga County | Pennsylvania statewide | Typical U.S. county |
|---|---|---|---|
| Median gross rent | $863/mo | $1,209/mo | $877/mo |
| Median home value | $181,100 | $254,500 | $185,300 |
| Owners | 77% | 69% | 75% |
| Rent-burdened renters | 46% | 48% | 45% |
| Burdened owners | 25% | 24% | n/a |
| Mobile homes | 16.6% | 3.5% | n/a |
In an owner-heavy county like Tioga County, many borrowers can also choose a home equity loan or line of credit. Those can price lower but put the house on the line, so compare the two in writing; our personal loan vs. HELOC guide walks through it.
How Tioga County compares with nearby counties
Lycoming County is closest, 31 miles from center to center; the sixth, Clinton County, is 41 miles off. Income ranges from $59,020 in Potter County to $65,887 in Steuben County; 1 of these neighbors top Tioga County's median. The list crosses into New York, where different lending rules and regulators apply.
| Nearby county | Center to center | Household income | Gross rent | Owner-occupied |
|---|---|---|---|---|
| Tioga County | - | $64,899 | $863/mo | 77% |
| Lycoming County, PA | 31 mi | $63,917 | $913/mo | 69% |
| Potter County, PA | 33 mi | $59,020 | $809/mo | 80% |
| Steuben County, NY | 35 mi | $65,887 | $894/mo | 73% |
| Chemung County, NY | 37 mi | $63,716 | $1,059/mo | 68% |
| Bradford County, PA | 39 mi | $63,675 | $901/mo | 72% |
| Clinton County, PA | 41 mi | $60,816 | $820/mo | 72% |
Cities, towns and CDPs in Tioga County
The table lists the 12 largest of 12 Census places in Tioga County, by population. Together all 12 hold about 14,316 people, so roughly 65% of residents live outside any named place. Among places of 500 or more people, median income runs from $39,861 in Westfield to $72,708 in Lawrenceville. This guide covers each of the 12 places and the rural areas around them.
| Name | Kind | Pop. | Income | Rent | Miles |
|---|---|---|---|---|---|
| Wellsboro | borough | 3,437 | $66,201 | $933 | 3 mi |
| Mansfield | borough | 2,990 | $47,685 | $730 | 10 mi |
| Blossburg | borough | 1,739 | $68,791 | $969 | 11 mi |
| Elkland | borough | 1,588 | $54,531 | $833 | 16 mi |
| Westfield | borough | 1,189 | $39,861 | $622 | 18 mi |
| Knoxville | borough | 784 | $64,063 | $1,018 | 16 mi |
| Lawrenceville | borough | 707 | $72,708 | $925 | 17 mi |
| Tioga | borough | 598 | $44,659 | $905 | 12 mi |
| Arnot | CDP | 430 | $93,750 | $975 | 10 mi |
| Millerton | CDP | 422 | $75,455 | $1,063 | 22 mi |
| Liberty | borough | 268 | $45,625 | $788 | 16 mi |
| Roseville | borough | 164 | n/a | $1,051 | 17 mi |
CDPs are unincorporated communities the Census Bureau defines for counting.
Debt-to-income at Tioga County's medians
Here is the Tioga County median household run through a simple DTI check. Your numbers will differ.
- $64,899 a year is $5,408 of gross monthly income
- Median rent: $863, or 16 cents of every gross dollar
- At 36%, room after rent is $1,084 a month
Lenders set their own limits and look beyond the ratio. The DTI calculator uses your figures instead of Tioga County's.
Borrowing situations common in Tioga County
What the Tioga County figures suggest, and what to check first:
- Mobile home upkeep. 17% of units fall in this category; roof, skirting and HVAC jobs are common reasons to borrow.
- Older households. A 45.1 median age means fixed-income borrowing is common; a fixed payment and short term limit risk.
- Rent squeeze. 46% of renters spend 30%+ of income on rent; borrow only if the loan cuts what you pay overall.
Who lives in Tioga County, in numbers
22% of Tioga County adults 25 and older hold a bachelor's degree or more. About 6% go without health insurance.
| Tioga County | Pennsylvania | U.S. county median | |
|---|---|---|---|
| Median age | 45.1 | 40.9 | 41.5 |
| Bachelor's or higher | 22.3% | 35.2% | 22.2% |
| No high school diploma | 7.8% | 7.9% | n/a |
| No health insurance | 6.0% | 5.6% | 7.8% |
| No vehicle | 5.5% | 10.4% | 5.4% |
| Work from home | 7.8% | 15.6% | 8.7% |
| Poverty rate | 11.7% | 11.7% | 13.2% |
| Unemployment (ACS) | 4.6% | 5.3% | 4.4% |
| Trip time | Share |
|---|---|
| Under 15 min | 34.4% |
| 15 to 29 min | 32.7% |
| 30 to 44 min | 18.6% |
| 45 to 59 min | 6.9% |
| 60+ min | 7.4% |
Licensing and complaints for Tioga County
No county office licenses personal lenders. For Tioga County, check the Pennsylvania Department of Banking and Securities. Banks and credit unions have their own regulators, and the CFPB takes complaints about any lender. See the Pennsylvania state guide for the statewide picture.
Four steps for Tioga County borrowers
Before you apply, wherever you live in Tioga County:
- Price the Tioga County expense first and borrow that amount, no more.
- Ask each lender for the APR and all fees in writing.
- Confirm the lender is licensed in Pennsylvania.
- Ask a Tioga County credit union about member loans.
Nearby and statewide guides
For statewide rules and data, see the Pennsylvania guide.
Frequently asked questions
What does a typical Tioga County household make?
About $64,899 a year at the median (ACS 2020-24), 17% below the Pennsylvania median.
How much is rent in Tioga County?
Median gross rent, utilities included, is $863 a month; 46% of renters spend 30% or more of income on it.
I own my home in Tioga County. Personal loan or HELOC?
A HELOC uses the house as collateral; a personal loan usually does not. With 77% of homes owner-occupied here, many readers can compare both in writing.
I live in a small Tioga County town. Is this my guide?
Yes. If your town has no city guide, this county page is the local one; it covers Wellsboro, Mansfield, Blossburg, Elkland, Westfield and 7 more.
Will a Tioga County address affect my match?
Beyond confirming Pennsylvania as your state, no. Your answers about amount, credit, income and payments are all that count.