1st Advantage Mortgage33% of Washington County households earn $100,000 or more; the median is $73,495 (ACS 2020-24). Use those as context only. A lender looks at your own documented income and debts; compare APR and total repaid on every Washington County offer.
On this page
- A quick profile of Washington County
- Washington County's most unusual numbers
- The Washington County job picture
- Homes and rents, Washington County
- How much Washington County households make
- Washington County and the counties next door
- Hudson Falls and the rest of Washington County
- Before borrowing in Washington County
- Debt-to-income at Washington County's medians
- Who lives in Washington County, in numbers
- Steps before you apply in Washington County
- Checking a lender's license in New York
- Related local guides
- Frequently asked questions
A quick profile of Washington County
The latest five-year Census estimate puts Washington County's population at 60,522; only 40 of New York's 62 county-level areas are larger. Land area is 831 square miles (2024 Gazetteer), so density runs near 73 per square mile. Metro area: Glens Falls, NY (OMB, 2023). Hudson Falls (7,395 people) heads the county's list of 10 Census places, 8 incorporated and 2 census-designated.
Washington County's most unusual numbers
Ranked against the other 61 county-level areas in New York, these are the Washington County figures furthest from the middle.
- On the share of adults with a bachelor's degree, Washington County sits near the bottom of New York at 22%, 8th lowest of 62. Lenders weigh income and credit, not schooling.
- Median age: 45.4 in Washington County. Only 8 of 62 New York counties are higher. Retirement income counts when documented; favor loans with no prepayment penalty.
- Few New York counties match Washington County on the poverty rate: 10.7% here, 14.0% for the state, ranking 13th lowest of 62. Even here, a fee-first loan offer is a scam.
- On the share of workers who work from home, Washington County sits near the bottom of New York at 8.0%, 13th lowest of 62. Most workers travel to a job here, so commuting costs are part of the budget.
The Washington County job picture
Education and health care employs 23% of working residents, the largest share; manufacturing is next with 14%. Manufacturing stands out: 14% of workers here, versus 6% statewide. The survey's unemployment rate for Washington County averages 5.0% over 2020 to 2024 (state: 6.4%). 17% of commuters travel 45 minutes or more each way, and 8% work from home.
| Top industries | Washington County share | +/- vs New York |
|---|---|---|
| Education and health care | 22.8% | -6.5 pts |
| Manufacturing | 14.1% | +8.3 pts |
| Retail trade | 11.8% | +2.3 pts |
| Professional and administrative services | 10.3% | -3.0 pts |
| Construction | 7.9% | +2.2 pts |
| Arts, lodging and food service | 7.3% | -0.8 pts |
Where long drives are the norm, a car repair is one of the most common surprise bills. A small repair fund can keep a breakdown from turning into a loan.
Homes and rents, Washington County
Washington County rent at the median: $1,033 a month, utilities in ($1,621 in New York). About 5 in 10 Washington County renters pay 30% or more of income for rent. Median value $196,200; median income $73,495; ratio 2.7. In Washington County, 77% of occupied homes are owned by the people living in them. Median construction year: 1963.
| Cost | Washington County | New York figure | Higher or lower |
|---|---|---|---|
| Owners | 77% | 54% | +22.3 pts |
| Vacant units | 16% | 10% | +6.1 pts |
| Burdened owners | 27% | 33% | -6.0 pts |
| Median home value | $196,200 | $423,800 | 54% lower |
| Median gross rent | $1,033/mo | $1,621/mo | 36% lower |
| Rent-burdened renters | 51% | 52% | -1.3 pts |
Owners with equity have a second option. Weigh a secured line against an unsecured loan by risk as well as cost before you choose (how they compare). High rent burdens leave little slack. If you are borrowing to consolidate, make sure the new payment is lower than the ones it replaces.
How much Washington County households make
Median household income in Washington County: $73,495 (15% below New York, $85,974).
| Households earning | Washington County | +/- vs New York |
|---|---|---|
| Under $35,000 | 22.2% | +0.1 pts |
| $35,000 to $99,999 | 45.1% | +11.2 pts |
| $100,000 to $199,999 | 27.1% | +0.3 pts |
| $200,000 or more | 5.5% | -11.6 pts |
Six-figure households (33%) outnumber those under $35,000 (22%) in Washington County. The poverty rate is 10.7%, 3 points lower than the state's 14.0%. Gini index for Washington County: 0.408. For a borrower in Washington County, the county median is only context: a lender looks at the income you can document, so pay stubs, benefit letters or tax returns matter more than any average.
Washington County and the counties next door
Six nearby counties, 25 to 42 miles away by the straight-line distance between their centers. Saratoga County leads the group on income ($100,787), Rutland County trails ($68,616), and Washington County out-earns 3 of the six. Some neighbors are in Vermont. Lender licensing is state by state, so a loan for a Washington County resident follows New York rules.
| Neighbor | Distance | Income | Rent | Own |
|---|---|---|---|---|
| Washington County | - | $73,495 | $1,033/mo | 77% |
| Bennington County, VT | 25 mi | $73,325 | $1,109/mo | 74% |
| Saratoga County, NY | 25 mi | $100,787 | $1,394/mo | 72% |
| Warren County, NY | 26 mi | $78,442 | $1,105/mo | 72% |
| Rutland County, VT | 28 mi | $68,616 | $1,000/mo | 75% |
| Rensselaer County, NY | 42 mi | $87,915 | $1,217/mo | 65% |
| Windham County, VT | 42 mi | $72,217 | $1,056/mo | 74% |
Hudson Falls and the rest of Washington County
Places, by size: the top 10 of 10. Roughly 64% of Washington County lives outside all of them, in open country or unnamed settlements. Gap between richest and poorest larger place: $35,823, Salem over Granville. Median rent ranges from $796 in Granville to $1,211 in Greenwich. No Washington County place has a separate guide yet; this county page serves all 10.
| Name | Kind | Pop. | Income | Rent | Miles |
|---|---|---|---|---|---|
| Hudson Falls | village | 7,395 | $62,969 | $927 | 7 mi |
| Fort Edward | village | 3,152 | $71,845 | $971 | 8 mi |
| Whitehall | village | 2,690 | $47,683 | $975 | 16 mi |
| Granville | village | 2,310 | $46,927 | $796 | 11 mi |
| Cambridge | village | 2,262 | $72,612 | $1,164 | 20 mi |
| Greenwich | village | 1,689 | $71,111 | $1,211 | 16 mi |
| Salem | CDP | 770 | $82,750 | $844 | 11 mi |
| North Granville | CDP | 531 | $69,363 | n/a | 10 mi |
| Fort Ann | village | 436 | $76,705 | $1,092 | 8 mi |
| Argyle | village | 355 | $68,036 | $738 | 6 mi |
A CDP is a named community without its own municipal government.
Before borrowing in Washington County
Based on the Washington County data above, these borrowing questions are most likely to matter locally.
- Retirement budgets. In a county with a 45.4 median age, keep any loan term shorter than your plans for the money.
- Tight rental budgets. With 51% of Washington County renters cost-burdened, test a new payment against a lean month.
- Credit reports. Pull free reports at AnnualCreditReport.com and dispute errors before applying.
Debt-to-income at Washington County's medians
Washington County at the medians, through a lender's eyes (what DTI means):
- Median income divided by twelve: $6,125 before taxes
- Median rent: $1,033, or 17 cents of every gross dollar
- Under a 36% cap, $2,205 total minus rent leaves $1,172
Subtract what you already pay on other debts. A new payment should fit in what remains, with some to spare.
Who lives in Washington County, in numbers
In Washington County, 22% of adults have at least a four-year degree (40% in New York). Uninsured, Washington County: 4.9%; New York: 5.1%.
| People and households | Washington County | Compared with New York | Compared with median county |
|---|---|---|---|
| No vehicle | 8.2% | -21.0 pts | +2.8 pts |
| Bachelor's or higher | 22.4% | -17.9 pts | +0.2 pts |
| Work from home | 8.0% | -6.9 pts | -0.6 pts |
| Median age | 45.4 | +5.6 yrs | +3.9 yrs |
| Poverty rate | 10.7% | -3.3 pts | -2.4 pts |
| No high school diploma | 9.8% | -2.2 pts | n/a |
| Unemployment (ACS) | 5.0% | -1.4 pts | +0.6 pts |
| No health insurance | 4.9% | -0.1 pts | -2.9 pts |
| One-way commute | Share of Washington County workers |
|---|---|
| Under 15 min | 26.5% |
| 15 to 29 min | 33.5% |
| 30 to 44 min | 22.8% |
| 45 to 59 min | 9.3% |
| 60+ min | 7.9% |
Steps before you apply in Washington County
A short checklist for Washington 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.
- Verify the New York license before giving out your Social Security number.
- Keep a small cushion so one surprise bill does not mean another loan.
Checking a lender's license in New York
No county office licenses personal lenders. For Washington County, check the New York State Department of Financial Services. A CFPB complaint gets forwarded to the company for a response. State-level detail for Washington County borrowers is in the New York guide.
Related local guides
Next step up from Washington County:
Frequently asked questions
Where does Washington County rank on income in New York?
27th of 62, with a median of $73,495. The state median is $85,974.
What is the median rent in Washington County, NY?
$1,033 a month, utilities included, or $12,396 a year.
Should Washington County homeowners use home equity instead?
Maybe, but weigh the risk: 77% of Washington County homes are owner-occupied, and a home-equity loan or line is secured by the house while a personal loan usually is not.
Which towns does the Washington County guide cover?
Every community in the county, unincorporated areas included. The largest of its 10 Census places: Hudson Falls, Fort Edward, Whitehall, Granville, Cambridge.
Are Washington 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.