1st Advantage MortgageWarren County households have a median income of $78,442 and median rent of $1,105 a month (ACS 2020 to 2024). Borrow only what the expense needs, pick the shortest affordable term, and walk away from any lender asking a Warren County applicant for an upfront fee.
On this page
- 65,517 residents: Warren County basics
- Warren County industries and commutes
- Warren County's most unusual numbers
- Housing costs in Warren County
- The $78,442 median and what sits around it
- Towns and communities in Warren County
- Warren County, Washington County and other neighbors
- Borrowing situations common in Warren County
- Warren County demographics against New York
- Debt-to-income, Warren County edition
- Before you sign
- New York lender licensing
- Beyond Warren County
- Frequently asked questions
65,517 residents: Warren County basics
Warren County is home to about 65,517 people, according to the Census Bureau's 2020 to 2024 American Community Survey, which makes it the 38th most populous of 62 county-level areas in New York. Packed into 867 square miles, that is close to 76 residents for every square mile of land. Metro area: Glens Falls, NY (OMB, 2023). Of the 10 Census places inside Warren County, Glens Falls leads by population with about 14,609; 2 of the 10 are incorporated.
Warren County industries and commutes
The biggest employer of Warren County residents, by industry, is education and health care at 28% of workers, followed by retail trade (11%). Manufacturing stands out: 9% of workers here, versus 6% statewide. 4.3% of Warren County's labor force reported being unemployed, averaged across 2020 to 2024. 12% of commuters travel 45 minutes or more each way, and 9% work from home.
| Where residents work | Warren County | Difference from New York |
|---|---|---|
| Education and health care | 28.1% | -1.3 pts |
| Retail trade | 11.0% | +1.4 pts |
| Professional and administrative services | 9.8% | -3.5 pts |
| Arts, lodging and food service | 9.7% | +1.6 pts |
| Manufacturing | 9.2% | +3.5 pts |
| Construction | 7.3% | +1.6 pts |
Self-employed in Warren County? Two years of tax returns usually stand in for pay stubs.
Warren County's most unusual numbers
The 3 Warren County numbers that rank furthest from typical in New York, and what each means for a borrower:
- Few New York counties match Warren County on median age: 46.8 here, 39.8 for the state, ranking 7th highest of 62. Older borrowers often rely on fixed incomes, so a fixed payment helps.
- The housing vacancy rate: 25% in Warren County. Only 7 of 62 New York counties are higher. High vacancy often reflects seasonal or second homes.
- The poverty rate: 10.5% in Warren County. Only 9 of 62 New York counties are lower. Even here, a fee-first loan offer is a scam.
Housing costs in Warren County
A typical Warren County rental runs $1,105 a month including utilities, which is 32% below New York. About 5 in 10 Warren County renters pay 30% or more of income for rent. The median owner-occupied home is valued at $267,400, about 3.4 times the median household income. Homeowners 72%, renters 28%. Median construction year: 1973.
| Home costs | Warren County | New York | Compared with New York |
|---|---|---|---|
| Median gross rent | $1,105/mo | $1,621/mo | 32% lower |
| Median home value | $267,400 | $423,800 | 37% lower |
| Owners | 72% | 54% | +17.8 pts |
| Rent-burdened renters | 48% | 52% | -4.0 pts |
| Burdened owners | 26% | 33% | -6.8 pts |
In an owner-heavy county like Warren 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.
The $78,442 median and what sits around it
Warren County households have a median income of $78,442 (ACS 2020 to 2024), which ranks 19th of 62 in New York.
| Band | Warren County | Compared with New York |
|---|---|---|
| Under $35,000 | 21.7% | -0.4 pts |
| $35,000 to $99,999 | 39.3% | +5.3 pts |
| $100,000 to $199,999 | 28.9% | +2.0 pts |
| $200,000 or more | 10.1% | -6.9 pts |
On the low end, 22% of Warren County households report under $35,000; at the top, 39% report $100,000-plus. The poverty rate is 10.5%, 4 points lower than the state's 14.0%. A household earning below the $78,442 median should test any payment carefully; one earning above it should still pick the shortest term it can manage.
Towns and communities in Warren County
40,221 of Warren County's 65,517 residents live in its 10 Census places (61%); the 10 largest are listed. Gap between richest and poorest larger place: $64,072, West Glens Falls over Lake Luzerne. Rent is cheapest in Warrensburg ($894) and steepest in Lake Luzerne ($2,833). From Glens Falls to the smallest crossroads, Warren County residents share this guide.
| Place | Type | Population | Median income | Median rent | From county center |
|---|---|---|---|---|---|
| Glens Falls | city | 14,609 | $67,788 | $1,077 | 19 mi |
| West Glens Falls | CDP | 10,050 | $93,239 | $1,343 | 19 mi |
| Glens Falls North | CDP | 9,154 | $77,881 | $1,235 | 17 mi |
| Warrensburg | CDP | 3,194 | $57,245 | $894 | 5 mi |
| Lake George | village | 1,038 | $54,766 | $1,097 | 11 mi |
| Lake Luzerne | CDP | 907 | $29,167 | $2,833 | 16 mi |
| Chestertown | CDP | 499 | $83,750 | $647 | 7 mi |
| North Creek | CDP | 414 | $55,909 | $905 | 12 mi |
| Bolton Landing | CDP | 216 | $94,438 | n/a | 9 mi |
| Pottersville | CDP | 140 | $53,462 | n/a | 13 mi |
CDP: census-designated place, an unincorporated community mapped for statistics.
Warren County, Washington County and other neighbors
Six nearby counties, 26 to 42 miles away by the straight-line distance between their centers. 1 of the six report a higher median household income than Warren County; Saratoga County is highest at $100,787 and Fulton County lowest at $66,533. Some neighbors are in Vermont. Lender licensing is state by state, so a loan for a Warren County resident follows New York rules.
| Neighbor | Distance | Income | Rent | Own |
|---|---|---|---|---|
| Warren County | - | $78,442 | $1,105/mo | 72% |
| Washington County, NY | 26 mi | $73,495 | $1,033/mo | 77% |
| Saratoga County, NY | 31 mi | $100,787 | $1,394/mo | 72% |
| Hamilton County, NY | 34 mi | $68,835 | $912/mo | 82% |
| Essex County, NY | 38 mi | $71,661 | $934/mo | 77% |
| Rutland County, VT | 39 mi | $68,616 | $1,000/mo | 75% |
| Fulton County, NY | 42 mi | $66,533 | $912/mo | 71% |
Borrowing situations common in Warren County
A few patterns in the Warren County data, and the practical point behind each:
- Fixed incomes. Warren County's median age is 46.8. Social Security and pensions count as income when documented.
- Tight rental budgets. With 48% of Warren County renters cost-burdened, test a new payment against a lean month.
- Scams. A fee demanded before funding is a red flag; report it at ReportFraud.ftc.gov (spotting scams).
Warren County demographics against New York
Bachelor's degree or higher: 36% of Warren County adults. About 4% go without health insurance.
| Warren County | vs New York | vs U.S. county median | |
|---|---|---|---|
| Median age | 46.8 | +7.0 yrs | +5.3 yrs |
| Bachelor's or higher | 36.4% | -3.8 pts | +14.3 pts |
| No high school diploma | 6.7% | -5.3 pts | n/a |
| No health insurance | 3.7% | -1.3 pts | -4.1 pts |
| No vehicle | 7.8% | -21.4 pts | +2.4 pts |
| Work from home | 9.4% | -5.5 pts | +0.8 pts |
| Poverty rate | 10.5% | -3.5 pts | -2.7 pts |
| Unemployment (ACS) | 4.3% | -2.0 pts | -0.1 pts |
| Trip time | Share |
|---|---|
| Under 15 min | 41.7% |
| 15 to 29 min | 31.8% |
| 30 to 44 min | 14.2% |
| 45 to 59 min | 5.8% |
| 60+ min | 6.4% |
Debt-to-income, Warren County edition
The debt-to-income ratio is the main affordability test lenders use. Applied to Warren County's medians:
- $6,537 a month: gross income for a household at the Warren County median
- 17% goes to median rent ($1,105)
- 43% debt-to-income limit: $1,706 left for all other debt payments
Lenders set their own limits and look beyond the ratio. The DTI calculator uses your figures instead of Warren County's.
Before you sign
Four checks before you sign anything:
- Get a written quote for whatever you are paying for in Warren County.
- Prequalify with soft pulls where offered, then compare in writing.
- Look the lender up with the state regulator first.
- Confirm the first due date before setting up autopay.
New York lender licensing
Consumer lenders serving Warren County are licensed by the state, not the county; in New York that is the New York State Department of Financial Services. Nationally, Warren County residents can file with the CFPB. More on New York: New York personal loans.
Beyond Warren County
For statewide rules and data, see the New York guide.
Frequently asked questions
What is the median household income in Warren County?
$78,442 a year in the 2020 to 2024 Census survey, versus $85,974 for New York. It ranks 19th of 62 in the state.
Can a Warren County renter afford a loan payment?
At the $1,105 median rent and $6,537 median monthly income, rent alone uses 17%; add other debts before a new payment.
I live near Glens Falls. Which guide is mine?
This one. Glens Falls and the rest of Warren County have no separate city guide.
Does living in Warren County change what I qualify for?
Not in our fit check, which uses only the amount, credit range, income and payments you enter, the same for a Warren County resident as anyone. Lenders decide under fair-lending law.
Who regulates personal lenders for Warren County residents?
The New York State Department of Financial Services licenses consumer lenders in New York; the CFPB takes complaints about any lender, and the FTC wants to hear about fee-first offers.