1st Advantage MortgageThe median Warren County household earns $110,132, and 6% of residents live below the poverty line. Your income, debts and credit decide what you qualify for. Get offers in writing, compare the total repaid, and never pay a fee up front.
On this page
- Who lives in Warren County
- Employment and commuting in Warren County
- What Warren County households earn
- Housing costs in Warren County
- Neighboring counties at a glance
- Cities, towns and CDPs in Warren County
- Room for a loan payment in Warren County
- Local borrowing considerations for Warren County
- People and households in Warren County
- Lender oversight for Warren County
- Before you sign
- Related local guides
- Frequently asked questions
Who lives in Warren County
The latest five-year Census estimate puts Warren County's population at 250,008; only 9 of Ohio's 88 county-level areas are larger. It covers 401 square miles of land, or about 623 people per square mile. For statistical purposes it belongs to the Cincinnati, OH-KY-IN metro area, as delineated by the Office of Management and Budget in July 2023. Mason is the biggest of its 20 Census places, at roughly 35,509 people (14% of the county total).
Employment and commuting in Warren County
By the Census industry count, 23% of employed Warren County residents work in education and health care and 17% in manufacturing. The sharpest difference from the state is in professional and administrative services, at 14% locally and 10% for Ohio. Averaged over the five survey years, 3.1% of the labor force was out of work and looking. Long commutes are the exception here: 11% of workers spend 45 minutes or longer getting to work. 3.1% of households have no vehicle.
| Sector | Warren County | Compared with Ohio |
|---|---|---|
| Education and health care | 22.8% | -1.5 pts |
| Manufacturing | 16.6% | +2.0 pts |
| Professional and administrative services | 14.0% | +3.8 pts |
| Retail trade | 10.7% | -0.4 pts |
| Arts, lodging and food service | 8.2% | -0.2 pts |
| Finance, insurance and real estate | 7.3% | +0.7 pts |
If your hours swing with the season or with overtime, size a loan payment against your base pay, not your best month.
What Warren County households earn
The median household income in Warren County is $110,132; statewide it is $71,389, so Warren County runs 54% above Ohio as a whole. In the state ranking that is 3rd of 88.
| Band | Warren County | Compared with Ohio |
|---|---|---|
| Under $35,000 | 12.0% | -11.8 pts |
| $35,000 to $99,999 | 33.0% | -8.6 pts |
| $100,000 to $199,999 | 34.5% | +9.0 pts |
| $200,000 or more | 20.5% | +11.3 pts |
The spread is wide: 55% of Warren County households make $100,000 or more, and 12% make less than $35,000. The poverty rate is 6.0%, 7 points lower than the state's 13.3%. None of these numbers decides a Warren County application. Lenders weigh your own documented income against your own debts.
Housing costs in Warren County
A typical Warren County rental runs $1,361 a month including utilities, which is 32% above Ohio. By the Census definition, 41% of Warren County renters are cost-burdened. With a median value of $349,400, a typical Warren County house costs 3.2 times what the median household earns in a year. Owners occupy 79% of homes. The median year built is 1995.
| Cost | Warren County | Ohio figure | Median county, U.S. |
|---|---|---|---|
| Median gross rent | $1,361/mo | $1,034/mo | $877/mo |
| Median home value | $349,400 | $214,800 | $185,300 |
| Owners | 79% | 67% | 75% |
| Rent-burdened renters | 41% | 46% | 45% |
| Burdened owners | 18% | 21% | n/a |
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.
Neighboring counties at a glance
The six counties whose centers lie closest to Warren County's, from 20 to 26 miles away. None of the six report a higher median household income than Warren County; Greene County is highest at $87,309 and Montgomery County lowest at $66,139.
| Adjacent area | How far | HH income (median) | Rent (median) | Owner share |
|---|---|---|---|---|
| Warren County | - | $110,132 | $1,361/mo | 79% |
| Clinton County, OH | 20 mi | $70,407 | $910/mo | 72% |
| Butler County, OH | 21 mi | $81,590 | $1,135/mo | 70% |
| Greene County, OH | 23 mi | $87,309 | $1,135/mo | 68% |
| Montgomery County, OH | 24 mi | $66,139 | $1,026/mo | 62% |
| Hamilton County, OH | 25 mi | $72,470 | $1,075/mo | 59% |
| Clermont County, OH | 26 mi | $85,510 | $1,107/mo | 74% |
Cities, towns and CDPs in Warren County
The table lists the 14 largest of 20 Census places in Warren County, by population. Together all 20 hold about 149,647 people, so roughly 40% of residents live outside any named place. Five Points has the highest median household income on the list ($144,293) and Franklin the lowest ($58,587), counting places with at least 500 residents. Rent is cheapest in Harveysburg ($906) and steepest in Loveland Park ($2,337). No Warren County place has a separate guide yet; this county page serves all 20.
| Place | Type | Population | Median income | Median rent | From county center |
|---|---|---|---|---|---|
| Mason | city | 35,509 | $125,401 | $1,760 | 8 mi |
| Lebanon | city | 21,501 | $83,685 | $1,090 | 3 mi |
| Springboro | city | 19,980 | $119,659 | $1,203 | 10 mi |
| Monroe | city | 15,401 | $105,250 | $1,608 | 11 mi |
| Loveland | city | 13,197 | $94,323 | $1,246 | 12 mi |
| Franklin | city | 11,712 | $58,587 | $981 | 11 mi |
| Landen | CDP | 7,499 | $109,434 | $1,569 | 9 mi |
| South Lebanon | village | 6,712 | $104,511 | $1,334 | 5 mi |
| Hunter | CDP | 3,551 | $127,411 | n/a | 8 mi |
| Waynesville | village | 2,777 | $79,048 | $1,049 | 8 mi |
| Morrow | village | 2,523 | $82,260 | $1,078 | 6 mi |
| Maineville | village | 2,070 | $92,979 | $1,000 | 7 mi |
| Five Points | CDP | 2,031 | $144,293 | n/a | 9 mi |
| Loveland Park | CDP | 1,700 | $118,636 | $2,337 | 10 mi |
Room for a loan payment in Warren County
Lenders compare monthly debt payments with gross monthly income, the debt-to-income ratio. For a Warren County household at the medians it works out like this; treat it as an illustration only.
- Start: $9,178 gross per month ($110,132 / 12)
- 15% goes to median rent ($1,361)
- $2,585: what a 43% ratio leaves once rent is paid
Two-income households and single earners in Warren County land in very different places on this math, so run it for your own budget.
Local borrowing considerations for Warren County
What the Warren County figures suggest, and what to check first:
- Higher earners. 55% of households clear $100,000; shop at least three lenders and pick the shortest term.
- Getting ready. Gather pay stubs or benefit letters before you apply (checklist).
- Debt consolidation. One fixed payment can save money only if the written APR and fees beat what you pay now (guide).
People and households in Warren County
Degree holders: 46% of adults over 25. About 4% go without health insurance.
| Residents | Warren County | Ohio | Middle U.S. county |
|---|---|---|---|
| Median age | 40.1 | 39.7 | 41.5 |
| Bachelor's or higher | 45.6% | 31.5% | 22.2% |
| No high school diploma | 4.9% | 8.2% | n/a |
| No health insurance | 3.9% | 6.4% | 7.8% |
| No vehicle | 3.1% | 7.5% | 5.4% |
| Work from home | 18.6% | 13.0% | 8.7% |
| Poverty rate | 6.0% | 13.3% | 13.2% |
| Unemployment (ACS) | 3.1% | 4.8% | 4.4% |
| Trip time | Share |
|---|---|
| Under 15 min | 22.8% |
| 15 to 29 min | 40.1% |
| 30 to 44 min | 25.7% |
| 45 to 59 min | 7.3% |
| 60+ min | 4.2% |
Lender oversight for Warren County
Consumer lenders serving Warren County are licensed by the state, not the county; in Ohio that is the Ohio Division of Financial Institutions. Problems with a lender can also go to the CFPB. See the Ohio state guide for the statewide picture.
Before you sign
Four checks before you sign anything:
- Get a written quote for whatever you are paying for in Warren County.
- Shop at least three lenders, including one Warren County-area credit union.
- Only work with lenders licensed for Ohio borrowers.
- Read the final agreement; it must match the offer.
Related local guides
The Ohio guide covers the whole state.
Frequently asked questions
What is the median household income in Warren County?
$110,132 a year in the 2020 to 2024 Census survey, versus $71,389 for Ohio. It ranks 3rd of 88 in the state.
How does Warren County rent compare with Ohio?
$1,361 locally versus $1,034 for the state, 32% above.
I live in a small Warren County town. Is this my guide?
Yes. If your town has no city guide, this county page is the local one; it covers Mason, Lebanon, Springboro, Monroe, Loveland and 15 more.
Can Warren County residents use the questionnaire?
Yes. It asks the same questions in every Ohio county, lists every requirement up front and does not affect your credit score.
Who do I complain to about a lender in Warren County?
Start with the Ohio Division of Financial Institutions, then the CFPB complaint portal. Keep copies of every message.