1st Advantage MortgageTrumbull County households have a median income of $56,435 and median rent of $797 a month (ACS 2020 to 2024). Whatever your own numbers, compare written offers on APR, fees and total cost, and verify the lender is licensed in Ohio before sharing details.
On this page
- Trumbull County at a glance
- Renting and owning in Trumbull County
- Income in Trumbull County compared with Ohio
- How Trumbull County residents earn a living
- Regional comparison for Trumbull County
- Trumbull County towns compared
- What a median Trumbull County budget can carry
- Local borrowing considerations for Trumbull County
- People and households in Trumbull County
- A Trumbull County borrower's checklist
- Checking a lender's license in Ohio
- Nearby and statewide guides
- Frequently asked questions
Trumbull County at a glance
Trumbull County is home to about 200,929 people, according to the Census Bureau's 2020 to 2024 American Community Survey, which makes it the 15th most populous of 88 county-level areas in Ohio. Packed into 618 square miles, that is close to 325 residents for every square mile of land. The federal metro definitions (OMB, July 2023) place it in the Youngstown-Warren, OH metropolitan area. The Census Bureau counts 26 places in the county (11 incorporated, 15 census-designated); the largest is Warren, with about 38,912 residents, or 19% of the county.
Renting and owning in Trumbull County
A typical Trumbull County rental runs $797 a month including utilities, which is 23% below Ohio. Rent takes 30% or more of income for 47% of renter households here. Home values center on $141,800, or 2.5 years of median income. The ownership rate is 71%.
| Cost | Trumbull County | Ohio figure | Median county, U.S. |
|---|---|---|---|
| Median gross rent | $797/mo | $1,034/mo | $877/mo |
| Median home value | $141,800 | $214,800 | $185,300 |
| Owners | 71% | 67% | 75% |
| Rent-burdened renters | 47% | 46% | 45% |
| Burdened owners | 21% | 21% | n/a |
Income in Trumbull County compared with Ohio
Trumbull County households have a median income of $56,435 (ACS 2020 to 2024), which ranks 79th of 88 in Ohio.
| Household income | Trumbull County | vs Ohio |
|---|---|---|
| Under $35,000 | 31.3% | +7.5 pts |
| $35,000 to $99,999 | 44.4% | +2.7 pts |
| $100,000 to $199,999 | 20.0% | -5.5 pts |
| $200,000 or more | 4.4% | -4.8 pts |
Some 31% of households here live on less than $35,000 a year; 24% have six-figure incomes. The poverty rate is 16.6%, 3 points higher than the state's 13.3%. The Gini index of income inequality is 0.450 (0 is perfect equality). A household earning below the $56,435 median should test any payment carefully; one earning above it should still pick the shortest term it can manage.
How Trumbull County residents earn a living
Education and health care employs 24% of working residents, the largest share; manufacturing is next with 18%. The sharpest difference from the state is in manufacturing, at 18% locally and 15% for Ohio. Averaged over the five survey years, 4.7% of the labor force was out of work and looking. 12% of commuters travel 45 minutes or more each way, and 7% work from home. 8.2% of households have no vehicle.
| Sector | Trumbull County | Compared with Ohio |
|---|---|---|
| Education and health care | 23.5% | -0.8 pts |
| Manufacturing | 18.1% | +3.4 pts |
| Retail trade | 12.1% | +1.0 pts |
| Arts, lodging and food service | 9.5% | +1.2 pts |
| Professional and administrative services | 7.4% | -2.8 pts |
| Construction | 7.1% | +1.1 pts |
Shorter commutes usually mean lower vehicle costs, which can leave more room for a payment, or for paying a loan off early.
Regional comparison for Trumbull County
Six nearby counties, 20 to 37 miles away by the straight-line distance between their centers. Geauga County leads the group on income ($107,860), Mahoning County trails ($56,942), and Trumbull County out-earns 0 of the six. The list crosses into Pennsylvania, where different lending rules and regulators apply.
| County | Miles | Median household income | Median rent | Homeownership |
|---|---|---|---|---|
| Trumbull County | - | $56,435 | $797/mo | 71% |
| Mahoning County, OH | 20 mi | $56,942 | $791/mo | 70% |
| Portage County, OH | 24 mi | $75,766 | $1,064/mo | 70% |
| Geauga County, OH | 25 mi | $107,860 | $1,083/mo | 87% |
| Mercer County, PA | 27 mi | $59,976 | $843/mo | 72% |
| Lawrence County, PA | 31 mi | $61,931 | $831/mo | 76% |
| Columbiana County, OH | 37 mi | $58,180 | $756/mo | 73% |
Trumbull County towns compared
The table lists the 14 largest of 26 Census places in Trumbull County, by population. Together all 26 hold about 121,644 people, so roughly 39% of residents live outside any named place. Howland Center has the highest median household income on the list ($86,135) and Warren the lowest ($37,887), counting places with at least 500 residents. Live in one of these Trumbull County communities, or between them? This is your local guide.
| Name | Kind | Pop. | Income | Rent | Miles |
|---|---|---|---|---|---|
| Warren | city | 38,912 | $37,887 | $766 | 5 mi |
| Niles | city | 18,287 | $50,953 | $798 | 8 mi |
| Girard | city | 9,505 | $52,550 | $769 | 10 mi |
| Hubbard | city | 7,598 | $62,593 | $799 | 15 mi |
| Cortland | city | 7,080 | $71,563 | $720 | 3 mi |
| Champion Heights | CDP | 6,380 | $67,940 | $963 | 4 mi |
| Howland Center | CDP | 6,266 | $86,135 | $1,116 | 4 mi |
| Newton Falls | village | 4,549 | $50,506 | $745 | 13 mi |
| Lordstown | village | 3,332 | $66,411 | $985 | 11 mi |
| McDonald | village | 3,136 | $81,855 | $863 | 10 mi |
| West Hill | CDP | 2,425 | $40,325 | $701 | 14 mi |
| Masury | CDP | 2,283 | $39,402 | $810 | 14 mi |
| Bolindale | CDP | 1,637 | $45,833 | $918 | 7 mi |
| Churchill | CDP | 1,608 | $48,566 | $773 | 11 mi |
A CDP is a named community without its own municipal government.
What a median Trumbull County budget can carry
Lenders compare monthly debt payments with gross monthly income, the debt-to-income ratio. For a Trumbull County household at the medians it works out like this; treat it as an illustration only.
- $56,435 a year is $4,703 of gross monthly income
- Median rent: $797, or 17 cents of every gross dollar
- $896: what a 36% ratio leaves once rent is paid
- At 43%, room after rent is $1,225 a month
Car, student loan and card payments come out of that room first. Try your own numbers in the calculator.
Local borrowing considerations for Trumbull County
Where the Trumbull County numbers stand out, and why it matters for a loan:
- Rent squeeze. 47% of renters spend 30%+ of income on rent; borrow only if the loan cuts what you pay overall.
- Advance-fee offers. No legitimate lender asks a Trumbull County borrower to pay first (scam signs).
- Consolidating cards in Trumbull County. Compare the total repaid, not the monthly figure (how).
People and households in Trumbull County
Degree holders: 21% of adults over 25. About 7% go without health insurance.
| Residents | Trumbull County | Ohio | Middle U.S. county |
|---|---|---|---|
| Median age | 43.7 | 39.7 | 41.5 |
| Bachelor's or higher | 20.9% | 31.5% | 22.2% |
| No high school diploma | 9.5% | 8.2% | n/a |
| No health insurance | 7.0% | 6.4% | 7.8% |
| No vehicle | 8.2% | 7.5% | 5.4% |
| Work from home | 6.6% | 13.0% | 8.7% |
| Poverty rate | 16.6% | 13.3% | 13.2% |
| Unemployment (ACS) | 4.7% | 4.8% | 4.4% |
| Trip time | Share |
|---|---|
| Under 15 min | 31.4% |
| 15 to 29 min | 42.2% |
| 30 to 44 min | 14.6% |
| 45 to 59 min | 5.1% |
| 60+ min | 6.8% |
A Trumbull County borrower's checklist
Four checks before you sign anything:
- Know the exact dollar figure you need before talking to a lender.
- Compare the total repaid on every offer, not just the payment.
- Verify the Ohio license before giving out your Social Security number.
- Keep a small cushion so one surprise bill does not mean another loan.
Checking a lender's license in Ohio
Consumer lenders serving Trumbull County are licensed by the state, not the county; in Ohio that is the Ohio Division of Financial Institutions. The Consumer Financial Protection Bureau accepts complaints nationwide. Statewide data and rules: Ohio guide.
Nearby and statewide guides
For statewide rules and data, see the Ohio guide.
Frequently asked questions
What is the median household income in Trumbull County?
$56,435 a year in the 2020 to 2024 Census survey, versus $71,389 for Ohio. It ranks 79th of 88 in the state.
What do renters pay in Trumbull County?
$797 a month at the median, about 17% of median household income.
I own my home in Trumbull County. Personal loan or HELOC?
A HELOC uses the house as collateral; a personal loan usually does not. With 71% of homes owner-occupied here, many readers can compare both in writing.
I live in a small Trumbull County town. Is this my guide?
Yes. If your town has no city guide, this county page is the local one; it covers Warren, Niles, Girard, Hubbard, Cortland and 21 more.
Does my county matter to the questionnaire?
Only your state does. Whether you live in Trumbull County or elsewhere in Ohio, the same rules apply.