1st Advantage MortgageWarren County households have a median income of $60,480 and median rent of $755 a month (ACS 2020 to 2024). 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
- Renting and owning in Warren County
- Paychecks and income spread in Warren County
- The Warren County job picture
- Towns and communities in Warren County
- The counties around Warren County
- A Warren County household budget, worked through
- Warren County households compared
- What the numbers mean for Warren County borrowers
- Pennsylvania rules that apply in Warren County
- Steps before you apply in Warren County
- More guides for Warren County
- Frequently asked questions
Who lives in Warren County
Warren County is home to about 37,920 people, according to the Census Bureau's 2020 to 2024 American Community Survey, which makes it the 55th most populous of 67 county-level areas in Pennsylvania. Spread over 884 square miles, that works out to roughly 42.9 residents per square mile. Under the July 2023 OMB definitions, Warren County is not part of any metropolitan area. Of the 11 Census places inside Warren County, Warren leads by population with about 9,240; 6 of the 11 are incorporated.
Renting and owning in Warren County
Renters in Warren County pay a median of $755 a month, 38% below the Pennsylvania figure of $1,209. Rent takes 30% or more of income for 33% of renter households here. The median owner-occupied home is valued at $127,500, about 2.1 times the median household income. The ownership rate is 79%.
| Measure | Warren County | Pennsylvania | Median U.S. county |
|---|---|---|---|
| Median gross rent | $755/mo | $1,209/mo | $877/mo |
| Median home value | $127,500 | $254,500 | $185,300 |
| Owners | 79% | 69% | 75% |
| Rent-burdened renters | 33% | 48% | 45% |
| Burdened owners | 21% | 24% | n/a |
| Mobile homes | 9.5% | 3.5% | 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.
Paychecks and income spread in Warren County
The median household income in Warren County is $60,480; statewide it is $77,971, so Warren County runs 22% below Pennsylvania as a whole. In the state ranking that is 57th of 67.
| Households earning | Warren County | +/- vs Pennsylvania |
|---|---|---|
| Under $35,000 | 27.2% | +5.2 pts |
| $35,000 to $99,999 | 48.1% | +9.0 pts |
| $100,000 to $199,999 | 20.7% | -6.4 pts |
| $200,000 or more | 4.0% | -7.8 pts |
About 27% of households earn under $35,000, while 25% clear $100,000. 10.8% of residents fall below the federal poverty line (statewide: 11.7%). Income inequality, measured by the Gini index, comes to 0.416 here. A household earning below the $60,480 median should test any payment carefully; one earning above it should still pick the shortest term it can manage.
The Warren County job picture
The biggest employer of Warren County residents, by industry, is education and health care at 26% of workers, followed by manufacturing (23%). Compared with Pennsylvania, the county leans toward manufacturing (23% against 11%). ACS puts five-year average unemployment at 4.4% in Warren County. About 79% drive to work alone and 10% have trips of 45 minutes or more. Households without a car make up 6.2% of the total (10.4% statewide).
| Sector | Warren County | Compared with Pennsylvania |
|---|---|---|
| Education and health care | 25.9% | -0.8 pts |
| Manufacturing | 22.8% | +11.4 pts |
| Retail trade | 11.0% | 0.0 pts |
| Arts, lodging and food service | 6.0% | -1.4 pts |
| Finance, insurance and real estate | 5.6% | -1.0 pts |
| Transportation, warehousing and utilities | 5.1% | -1.0 pts |
If your hours swing with the season or with overtime, size a loan payment against your base pay, not your best month.
Towns and communities in Warren County
The table lists the 11 largest of 11 Census places in Warren County, by population. Together all 11 hold about 18,120 people, so roughly 52% of residents live outside any named place. Russell has the highest median household income on the list ($90,250) and Tidioute the lowest ($43,158), counting places with at least 500 residents. None of the 11 has its own city guide, so this page covers all of them.
| Name | Kind | Pop. | Income | Rent | Miles |
|---|---|---|---|---|---|
| Warren | city | 9,240 | $53,815 | $771 | 8 mi |
| North Warren | CDP | 2,104 | $56,549 | $914 | 8 mi |
| Youngsville | borough | 1,803 | $58,789 | $742 | 2 mi |
| Russell | CDP | 1,215 | $90,250 | $665 | 11 mi |
| Sheffield | CDP | 833 | $58,646 | $533 | 17 mi |
| Tidioute | borough | 786 | $43,158 | $461 | 11 mi |
| Columbus | CDP | 664 | $59,612 | $658 | 17 mi |
| Starbrick | CDP | 493 | $53,889 | n/a | 4 mi |
| Sugar Grove | borough | 492 | $71,875 | $925 | 11 mi |
| Clarendon | borough | 358 | $57,708 | $943 | 11 mi |
| Bear Lake | borough | 132 | $38,750 | n/a | 15 mi |
The counties around Warren County
Nearest neighbors first, measured between county centers (22 to 43 miles). McKean County leads the group on income ($62,905), Forest County trails ($52,191), and Warren County out-earns 4 of the six. The list crosses into New York, where different lending rules and regulators apply.
| County | Miles | Median household income | Median rent | Homeownership |
|---|---|---|---|---|
| Warren County | - | $60,480 | $755/mo | 79% |
| Forest County, PA | 22 mi | $52,191 | $817/mo | 78% |
| Chautauqua County, NY | 33 mi | $58,351 | $812/mo | 69% |
| McKean County, PA | 37 mi | $62,905 | $809/mo | 78% |
| Venango County, PA | 38 mi | $61,522 | $795/mo | 75% |
| Crawford County, PA | 43 mi | $60,476 | $802/mo | 75% |
| Cattaraugus County, NY | 43 mi | $59,540 | $770/mo | 75% |
A Warren County household budget, worked through
Here is the Warren County median household run through a simple DTI check. Your numbers will differ.
- Start: $5,040 gross per month ($60,480 / 12)
- Housing at the median rent of $755 uses 15%
- At 35%, room after rent is $1,009 a month
- With a 45% ceiling, about $1,513 remains for car, card, student and any new loan 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.
Warren County households compared
College graduates make up 20% of the adult population. About 4% go without health insurance.
| Warren County | Pennsylvania | U.S. county median | |
|---|---|---|---|
| Median age | 47.1 | 40.9 | 41.5 |
| Bachelor's or higher | 19.9% | 35.2% | 22.2% |
| No high school diploma | 6.8% | 7.9% | n/a |
| No health insurance | 4.1% | 5.6% | 7.8% |
| No vehicle | 6.2% | 10.4% | 5.4% |
| Work from home | 6.3% | 15.6% | 8.7% |
| Poverty rate | 10.8% | 11.7% | 13.2% |
| Unemployment (ACS) | 4.4% | 5.3% | 4.4% |
| One-way commute | Share of Warren County workers |
|---|---|
| Under 15 min | 38.7% |
| 15 to 29 min | 38.0% |
| 30 to 44 min | 13.7% |
| 45 to 59 min | 4.2% |
| 60+ min | 5.4% |
What the numbers mean for Warren County borrowers
Based on the Warren County data above, these borrowing questions are most likely to matter locally.
- Older households. A 47.1 median age means fixed-income borrowing is common; a fixed payment and short term limit risk.
- Credit reports. Pull free reports at AnnualCreditReport.com and dispute errors before applying.
- Consolidating cards in Warren County. Compare the total repaid, not the monthly figure (how).
Pennsylvania rules that apply in Warren County
Consumer lenders serving Warren County are licensed by the state, not the county; in Pennsylvania that is 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.
Steps before you apply in Warren County
Four checks before you sign anything:
- Price the Warren County expense first and borrow that amount, no more.
- Compare the total repaid on every offer, not just the payment.
- Look the lender up with the state regulator first.
- Read the final agreement; it must match the offer.
More guides for Warren County
The Pennsylvania guide covers the whole state.
Frequently asked questions
What is the median household income in Warren County?
$60,480 a year in the 2020 to 2024 Census survey, versus $77,971 for Pennsylvania. It ranks 57th of 67 in the state.
How does Warren County rent compare with Pennsylvania?
$755 locally versus $1,209 for the state, 38% below.
Should Warren County homeowners use home equity instead?
Maybe, but weigh the risk: 79% of Warren County homes are owner-occupied, and a home-equity loan or line is secured by the house while a personal loan usually is not.
What are the biggest places in Warren County?
By population: Warren, North Warren, Youngsville, Russell, Sheffield. The county has 11 Census places in all.
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.