1st Advantage MortgageIn Warren County, Indiana, the typical household earns $82,425 a year and the typical rent is $830. County medians do not set your terms. Shop at least three lenders, including a credit union serving Warren County, and confirm each one's Indiana license.
On this page
- First look: Warren County, IN
- Income in Warren County compared with Indiana
- How Warren County residents earn a living
- Warren County at the extremes
- What it costs to live in Warren County
- How Warren County compares with nearby counties
- Census places in Warren County
- Debt-to-income, Warren County edition
- Borrowing situations common in Warren County
- Warren County households compared
- Licensing and complaints for Warren County
- Before you sign
- Other Indiana guides
- Frequently asked questions
First look: Warren County, IN
Warren County is home to about 8,464 people, according to the Census Bureau's 2020 to 2024 American Community Survey, which makes it the 90th most populous of 92 county-level areas in Indiana. Land area is 365 square miles (2024 Gazetteer), so density runs near 23 per square mile. For statistical purposes it belongs to the Lafayette-West Lafayette, IN metro area, as delineated by the Office of Management and Budget in July 2023. The Census Bureau counts 14 places in the county (4 incorporated, 10 census-designated); the largest is Williamsport, with about 1,867 residents, or 22% of the county. Census margins of error grow as populations shrink; for a county of 8,464, read each figure as a range.
Income in Warren County compared with Indiana
Median household income in Warren County: $82,425 (15% above Indiana, $71,957).
| Income band | Share in Warren County | Difference from Indiana |
|---|---|---|
| Under $35,000 | 17.0% | -5.5 pts |
| $35,000 to $99,999 | 40.0% | -3.3 pts |
| $100,000 to $199,999 | 37.0% | +11.2 pts |
| $200,000 or more | 5.9% | -2.3 pts |
The spread is wide: 43% of Warren County households make $100,000 or more, and 17% make less than $35,000. Census counts 11.0% of Warren County residents in poverty, against 12.3% across Indiana. A household earning below the $82,425 median should test any payment carefully; one earning above it should still pick the shortest term it can manage.
How Warren County residents earn a living
Manufacturing (24%), education and health care (23%) and retail trade (14%) lead Warren County's job mix. Warren County over-indexes on manufacturing: 24% versus 18% in Indiana. Unemployment in Warren County, ACS five-year: 4.4%; Indiana: 4.3%. Commutes of 45 minutes-plus: 19%; under 15 minutes: 31%. Households without a car make up 2.1% of the total (6.2% statewide).
| Sector | Warren County | Compared with Indiana |
|---|---|---|
| Manufacturing | 24.4% | +6.4 pts |
| Education and health care | 22.6% | -0.8 pts |
| Retail trade | 14.0% | +3.2 pts |
| Construction | 9.4% | +2.8 pts |
| Public administration | 5.6% | +2.1 pts |
| Professional and administrative services | 4.6% | -4.6 pts |
Self-employed in Warren County? Two years of tax returns usually stand in for pay stubs.
Warren County at the extremes
The 4 Warren County numbers that rank furthest from typical in Indiana, and what each means for a borrower:
- On households without a vehicle, Warren County sits near the bottom of Indiana at 2.1%, the lowest of 92. Car ownership is close to universal, and so are repair bills.
- Few Indiana counties match Warren County on population: 8,464 here, 6,851,073 for the state, ranking 3rd lowest of 92. With few local branches, online lenders and statewide credit unions widen the choice.
- Few Indiana counties match Warren County on the uninsured rate: 3.9% here, 7.4% for the state, ranking 7th lowest of 92. Even insured households face deductibles; ask the provider about a payment plan.
- Warren County ranks 8th highest of 92 Indiana counties for the share of households earning $100,000 or more: 43%, against 34% statewide. High earners still overpay when they skip comparing offers.
What it costs to live in Warren County
Half of Warren County renters pay more than $830 a month and half pay less; the Indiana midpoint is $1,062. Cost-burdened renters, paying 30%-plus of income: 39% in Warren County, 48% statewide. With a median value of $182,500, a typical Warren County house costs 2.2 times what the median household earns in a year. 82% of Warren County households own their home and 18% rent. Half the housing stock was built before 1973. Against the median U.S. county, Warren County rent is 5% below.
| Measure | Warren County | Indiana | Gap |
|---|---|---|---|
| Median gross rent | $830/mo | $1,062/mo | 22% lower |
| Median home value | $182,500 | $218,200 | 16% lower |
| Owners | 82% | 71% | +11.8 pts |
| Rent-burdened renters | 39% | 48% | -9.4 pts |
| Burdened owners | 16% | 20% | -4.4 pts |
With 82% of Warren County homes owner-occupied, equity is a real alternative for many readers; just remember a missed HELOC payment puts the home at risk.
How Warren County compares with nearby counties
The six counties whose centers lie closest to Warren County's, from 17 to 35 miles away. None of the six report a higher median household income than Warren County; Montgomery County is highest at $71,479 and Vermilion County lowest at $56,877. Some neighbors are in Illinois. Lender licensing is state by state, so a loan for a Warren County resident follows Indiana rules.
| Adjacent area | How far | HH income (median) | Rent (median) | Owner share |
|---|---|---|---|---|
| Warren County | - | $82,425 | $830/mo | 82% |
| Benton County, IN | 17 mi | $65,875 | $774/mo | 80% |
| Fountain County, IN | 18 mi | $62,542 | $843/mo | 75% |
| Vermilion County, IL | 22 mi | $56,877 | $838/mo | 70% |
| Tippecanoe County, IN | 25 mi | $60,636 | $1,124/mo | 53% |
| Montgomery County, IN | 33 mi | $71,479 | $858/mo | 80% |
| Vermillion County, IN | 35 mi | $60,200 | $750/mo | 75% |
Census places in Warren County
Here are the 14 most populous of the county's 14 Census places, with income and rent from the same 2020 to 2024 survey. About 43% of Warren County residents live in one of the 14. No Warren County place has a separate guide yet; this county page serves all 14.
| Place | Type | Population | Median income | Median rent | From county center |
|---|---|---|---|---|---|
| Williamsport | town | 1,867 | $65,550 | $824 | 6 mi |
| West Lebanon | town | 789 | $64,688 | $589 | 6 mi |
| Pine Village | town | 239 | $44,048 | $822 | 9 mi |
| Green Hill | CDP | 234 | $108,232 | n/a | 14 mi |
| Judyville | CDP | 118 | n/a | n/a | 1 mi |
| State Line City | town | 103 | $73,750 | n/a | 13 mi |
| Foster | CDP | 100 | $120,703 | n/a | 15 mi |
| Kramer | CDP | 64 | n/a | n/a | 5 mi |
| Marshfield | CDP | 62 | $107,574 | n/a | 8 mi |
| Independence | CDP | 20 | n/a | n/a | 11 mi |
| Hedrick | CDP | 10 | n/a | n/a | 7 mi |
| Rainsville | CDP | 6 | n/a | n/a | 5 mi |
| Pence | CDP | 0 | n/a | n/a | 7 mi |
| Tab | CDP | 0 | n/a | n/a | 7 mi |
CDPs are unincorporated communities the Census Bureau defines for counting.
Debt-to-income, Warren County edition
Warren County's $82,425 median income, run through a debt-to-income check:
- $6,869 a month: gross income for a household at the Warren County median
- Median rent: $830, or 12 cents of every gross dollar
- At 35%, room after rent is $1,574 a month
- 45% debt-to-income limit: $2,261 left for all other debt payments
Two-income households and single earners in Warren County land in very different places on this math, so run it for your own budget.
Borrowing situations common in Warren County
- Commuter costs. 19% drive 45 minutes or more. Compare shop financing with a loan, and keep a small repair fund.
- Higher earners. 43% of households clear $100,000; shop at least three lenders and pick the shortest term.
- Fraud. Gift cards, wire transfers or fees to unlock a loan mean walk away (report it).
Warren County households compared
College graduates make up 18% of the adult population. Health coverage gaps: 3.9% of Warren County residents are uninsured.
| Measure | Warren County | Gap to Indiana | Gap to typical U.S. county |
|---|---|---|---|
| Bachelor's or higher | 17.5% | -12.0 pts | -4.7 pts |
| Median age | 43.5 | +5.4 yrs | +2.0 yrs |
| Work from home | 6.4% | -4.3 pts | -2.2 pts |
| No vehicle | 2.1% | -4.2 pts | -3.4 pts |
| No health insurance | 3.9% | -3.4 pts | -3.9 pts |
| No high school diploma | 7.1% | -2.5 pts | n/a |
| Poverty rate | 11.0% | -1.4 pts | -2.2 pts |
| Unemployment (ACS) | 4.4% | +0.1 pts | 0.0 pts |
| Trip time | Share |
|---|---|
| Under 15 min | 31.0% |
| 15 to 29 min | 27.4% |
| 30 to 44 min | 22.8% |
| 45 to 59 min | 11.8% |
| 60+ min | 7.1% |
Licensing and complaints for Warren County
The Indiana Department of Financial Institutions is the place to verify any lender's Indiana license. Nationally, Warren County residents can file with the CFPB. Statewide data and rules: Indiana guide.
Before you sign
A short checklist for Warren County borrowers:
- Size the loan to the bill, not to the most a lender offers.
- Collect three written offers and compare APR and total repaid.
- Only work with lenders licensed for Indiana borrowers.
- Pick the shortest term whose payment still fits.
Other Indiana guides
No city in Warren County has its own guide yet; the state page is next up.
Frequently asked questions
Is Warren County a high-income county?
Its $82,425 median ranks 10th of 92 Indiana counties and compares with $65,681 for the median U.S. county.
Is Warren County expensive for renters?
Median rent is $830 against $1,062 statewide, and 39% of renter households are cost-burdened.
Which towns does the Warren County guide cover?
Every community in the county, unincorporated areas included. The largest of its 14 Census places: Williamsport, West Lebanon, Pine Village, Green Hill, Judyville.
Are Warren 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.
Who regulates personal lenders for Warren County residents?
The Indiana Department of Financial Institutions licenses consumer lenders in Indiana; the CFPB takes complaints about any lender, and the FTC wants to hear about fee-first offers.