1st Advantage MortgageIn Warrick County, Indiana, the typical household earns $89,844 a year and the typical rent is $1,061. Those figures describe the county, not you: compare at least three written offers by APR and total cost, and confirm the lender's license before you apply.
On this page
- A quick profile of Warrick County
- Income in Warrick County compared with Indiana
- What it costs to live in Warrick County
- Jobs and commutes in Warrick County
- The communities that make up Warrick County
- Counties near Warrick County
- Debt-to-income at Warrick County's medians
- What the numbers mean for Warrick County borrowers
- Warrick County residents: age, schooling, coverage
- Before you sign
- Lender oversight for Warrick County
- More guides for Warrick County
- Frequently asked questions
A quick profile of Warrick County
With an estimated 65,261 residents (ACS 2020 to 2024), Warrick County ranks 27th of 92 in Indiana for population. It covers 385 square miles of land, or about 170 people per square mile. It is one of the counties that make up the Evansville, IN metropolitan statistical area (OMB, 2023). The Census Bureau counts 6 places in the county (6 incorporated, 0 census-designated); the largest is Boonville, with about 6,702 residents, or 10% of the county.
Income in Warrick County compared with Indiana
At $89,844, the typical Warrick County household income is 37% above the median U.S. county ($65,681). That places it 6th among Indiana's 92 county-level areas.
| Band | Warrick County | Compared with Indiana |
|---|---|---|
| Under $35,000 | 15.7% | -6.9 pts |
| $35,000 to $99,999 | 39.0% | -4.4 pts |
| $100,000 to $199,999 | 33.4% | +7.6 pts |
| $200,000 or more | 11.9% | +3.7 pts |
About 16% of households earn under $35,000, while 45% clear $100,000. 7.0% of residents fall below the federal poverty line (statewide: 12.3%). A household earning below the $89,844 median should test any payment carefully; one earning above it should still pick the shortest term it can manage.
What it costs to live in Warrick County
Renters in Warrick County pay a median of $1,061 a month, in line with Indiana's $1,062. By the Census definition, 40% of Warrick County renters are cost-burdened. The median owner-occupied home is valued at $242,500, about 2.7 times the median household income. 82% of Warrick County households own their home and 18% rent.
| Cost | Warrick County | Indiana figure | Median county, U.S. |
|---|---|---|---|
| Median gross rent | $1,061/mo | $1,062/mo | $877/mo |
| Median home value | $242,500 | $218,200 | $185,300 |
| Owners | 82% | 71% | 75% |
| Rent-burdened renters | 40% | 48% | 45% |
| Burdened owners | 19% | 20% | n/a |
| Vacant units | 6% | 9% | n/a |
In an owner-heavy county like Warrick 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.
Jobs and commutes in Warrick County
Education and health care employs 27% of working residents, the largest share; manufacturing is next with 16%. Compared with Indiana, the county leans toward education and health care (27% against 23%). The survey's unemployment rate for Warrick County averages 3.1% over 2020 to 2024 (state: 4.3%). 10% of commuters travel 45 minutes or more each way, and 9% work from home.
| Where residents work | Warrick County | Difference from Indiana |
|---|---|---|
| Education and health care | 27.5% | +4.0 pts |
| Manufacturing | 16.3% | -1.7 pts |
| Retail trade | 10.0% | -0.8 pts |
| Professional and administrative services | 9.4% | +0.1 pts |
| Construction | 6.1% | -0.5 pts |
| Finance, insurance and real estate | 5.4% | +0.2 pts |
A lender verifies what your own job pays. The county's industry mix tells you about the local economy, not about your application.
The communities that make up Warrick County
The table lists the 6 largest of 6 Census places in Warrick County, by population. Together all 6 hold about 16,192 people, so roughly 75% of residents live outside any named place. Elberfeld has the highest median household income on the list ($105,536) and Lynnville the lowest ($63,500), counting places with at least 500 residents. Median rent ranges from $807 in Lynnville to $990 in Chandler. This guide covers each of the 6 places and the rural areas around them.
| Place | Type | Population | Median income | Median rent | From county center |
|---|---|---|---|---|---|
| Boonville | city | 6,702 | $63,580 | $873 | 4 mi |
| Chandler | town | 3,978 | $74,725 | $990 | 7 mi |
| Newburgh | town | 3,395 | $75,135 | $942 | 13 mi |
| Lynnville | town | 981 | $63,500 | $807 | 7 mi |
| Elberfeld | town | 971 | $105,536 | n/a | 11 mi |
| Tennyson | town | 165 | $41,750 | $838 | 8 mi |
Counties near Warrick County
Spencer County is closest, 15 miles from center to center; the sixth, Daviess County, is 27 miles off. None of the six report a higher median household income than Warrick County; Spencer County is highest at $74,506 and Henderson County lowest at $58,851. Some neighbors are in Kentucky. Lender licensing is state by state, so a loan for a Warrick County resident follows Indiana rules.
| Nearby county | Center to center | Household income | Gross rent | Owner-occupied |
|---|---|---|---|---|
| Warrick County | - | $89,844 | $1,061/mo | 82% |
| Spencer County, IN | 15 mi | $74,506 | $751/mo | 81% |
| Vanderburgh County, IN | 18 mi | $61,648 | $985/mo | 65% |
| Pike County, IN | 21 mi | $71,334 | $739/mo | 87% |
| Gibson County, IN | 23 mi | $67,573 | $935/mo | 77% |
| Henderson County, KY | 27 mi | $58,851 | $777/mo | 65% |
| Daviess County, KY | 27 mi | $68,214 | $918/mo | 68% |
Debt-to-income at Warrick County's medians
Warrick County at the medians, through a lender's eyes (what DTI means):
- $7,487 a month: gross income for a household at the Warrick County median
- Housing at the median rent of $1,061 uses 14%
- 43% debt-to-income limit: $2,158 left for all other debt payments
Car, student loan and card payments come out of that room first. Try your own numbers in the calculator.
What the numbers mean for Warrick County borrowers
What the Warrick County figures suggest, and what to check first:
- Consolidation math. With 45% at six figures, card consolidation is common; it pays only if total cost falls (guide).
- Paperwork. ID, proof of income and a bank account are the basics (requirements).
- Advance-fee offers. No legitimate lender asks a Warrick County borrower to pay first (scam signs).
Warrick County residents: age, schooling, coverage
35% of Warrick County adults 25 and older hold a bachelor's degree or more. The uninsured rate is 3.5%, against 7.4% for Indiana.
| People and households | Warrick County | Indiana | Median county |
|---|---|---|---|
| Median age | 41.1 | 38.1 | 41.5 |
| Bachelor's or higher | 35.2% | 29.5% | 22.2% |
| No high school diploma | 4.9% | 9.6% | n/a |
| No health insurance | 3.5% | 7.4% | 7.8% |
| No vehicle | 3.0% | 6.2% | 5.4% |
| Work from home | 9.3% | 10.7% | 8.7% |
| Poverty rate | 7.0% | 12.3% | 13.2% |
| Unemployment (ACS) | 3.1% | 4.3% | 4.4% |
| Trip time | Share |
|---|---|
| Under 15 min | 27.3% |
| 15 to 29 min | 44.9% |
| 30 to 44 min | 18.0% |
| 45 to 59 min | 5.3% |
| 60+ min | 4.6% |
Before you sign
Four checks before you sign anything:
- Size the loan to the bill, not to the most a lender offers.
- Collect three written offers and compare APR and total repaid.
- Confirm the lender is licensed in Indiana.
- Pick the shortest term whose payment still fits.
Lender oversight for Warrick County
Licensing happens at the state level, so a lender working with Warrick County borrowers answers to the Indiana Department of Financial Institutions. Federal complaints: consumerfinance.gov. More on Indiana: Indiana personal loans.
More guides for Warrick County
The Indiana guide covers the whole state.
Frequently asked questions
How much do households in Warrick County earn?
The median is $89,844; 45% earn $100,000 or more and 16% under $35,000. A lender uses your own documented income, not this figure.
What do renters pay in Warrick County?
$1,061 a month at the median, about 14% of median household income.
What are the biggest places in Warrick County?
By population: Boonville, Chandler, Newburgh, Lynnville, Elberfeld. The county has 6 Census places in all.
Does living in Warrick 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 Warrick County resident as anyone. Lenders decide under fair-lending law.
Who regulates personal lenders for Warrick 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.