1st Advantage MortgageIn Wyoming County, New York, the typical household earns $69,110 a year and the typical rent is $802. A loan makes sense only if its total cost beats your alternatives and the payment fits your budget. Check the lender's New York license first.
On this page
- A quick profile of Wyoming County
- Jobs and commutes in Wyoming County
- Paychecks and income spread in Wyoming County
- Rent, home values and ownership in Wyoming County
- Neighboring counties at a glance
- Wyoming County towns compared
- More Wyoming County figures
- Reading the Wyoming County data as a borrower
- What a median Wyoming County budget can carry
- New York rules that apply in Wyoming County
- A Wyoming County borrower's checklist
- Related local guides
- Frequently asked questions
A quick profile of Wyoming County
With an estimated 39,753 residents (ACS 2020 to 2024), Wyoming County ranks 54th of 62 in New York for population. Land area is 593 square miles (2024 Gazetteer), so density runs near 67 per square mile. It sits outside every metropolitan statistical area in the July 2023 OMB delineation. Perry is the biggest of its 10 Census places, at roughly 3,871 people (10% of the county total).
Jobs and commutes in Wyoming County
Education and health care employs 23% of working residents, the largest share; manufacturing is next with 13%. Compared with New York, the county leans toward manufacturing (13% against 6%). Averaged over the five survey years, 3.6% of the labor force was out of work and looking. About 77% drive to work alone and 19% have trips of 45 minutes or more. 7.3% of households have no vehicle.
| Industry | Share of Wyoming County workers | vs New York |
|---|---|---|
| Education and health care | 22.9% | -6.4 pts |
| Manufacturing | 12.7% | +6.9 pts |
| Retail trade | 10.6% | +1.1 pts |
| Construction | 9.1% | +3.4 pts |
| Professional and administrative services | 7.5% | -5.8 pts |
| Agriculture, forestry and mining | 7.4% | +6.8 pts |
A lender verifies what your own job pays. The county's industry mix tells you about the local economy, not about your application.
Paychecks and income spread in Wyoming County
Wyoming County households have a median income of $69,110 (ACS 2020 to 2024), which ranks 40th of 62 in New York.
| Yearly household income | Wyoming County | Gap to New York |
|---|---|---|
| Under $35,000 | 23.3% | +1.1 pts |
| $35,000 to $99,999 | 46.5% | +12.5 pts |
| $100,000 to $199,999 | 24.5% | -2.3 pts |
| $200,000 or more | 5.8% | -11.3 pts |
The spread is wide: 30% of Wyoming County households make $100,000 or more, and 23% make less than $35,000. Census counts 11.1% of Wyoming County residents in poverty, against 14.0% across New York. Income inequality, measured by the Gini index, comes to 0.415 here. None of these numbers decides a Wyoming County application. Lenders weigh your own documented income against your own debts.
Rent, home values and ownership in Wyoming County
Median gross rent, utilities included, comes to $802 in Wyoming County versus $1,621 statewide. Rent takes 30% or more of income for 41% of renter households here. The median owner-occupied home is valued at $162,300, about 2.3 times the median household income. The ownership rate is 76%. Half the housing stock was built before 1960.
| Home costs | Wyoming County | New York | U.S. middle county |
|---|---|---|---|
| Median gross rent | $802/mo | $1,621/mo | $877/mo |
| Median home value | $162,300 | $423,800 | $185,300 |
| Owners | 76% | 54% | 75% |
| Rent-burdened renters | 41% | 52% | 45% |
| Burdened owners | 22% | 33% | n/a |
| Mobile homes | 8.9% | 2.1% | n/a |
| Vacant units | 10% | 10% | n/a |
In an owner-heavy county like Wyoming 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
Distances run center to center, from Genesee County at 21 miles out to Orleans County at 44. Income ranges from $59,540 in Cattaraugus County to $74,001 in Livingston County; 3 of these neighbors top Wyoming County's median.
| Neighbor | Distance | Income | Rent | Own |
|---|---|---|---|---|
| Wyoming County | - | $69,110 | $802/mo | 76% |
| Genesee County, NY | 21 mi | $73,314 | $929/mo | 74% |
| Livingston County, NY | 23 mi | $74,001 | $931/mo | 76% |
| Erie County, NY | 28 mi | $72,839 | $1,090/mo | 66% |
| Allegany County, NY | 33 mi | $62,869 | $763/mo | 79% |
| Cattaraugus County, NY | 39 mi | $59,540 | $770/mo | 75% |
| Orleans County, NY | 44 mi | $65,969 | $874/mo | 77% |
Wyoming County towns compared
Here are the 10 most populous of the county's 10 Census places, with income and rent from the same 2020 to 2024 survey. About 31% of Wyoming County residents live in one of the 10. Incomes vary by place: $74,615 at the median in Strykersville, $46,000 in Silver Springs. Rent is cheapest in Castile ($643) and steepest in Warsaw ($940). No Wyoming County place has a separate guide yet; this county page serves all 10.
| Place | Type | Population | Median income | Median rent | From county center |
|---|---|---|---|---|---|
| Perry | village | 3,871 | $63,291 | $759 | 11 mi |
| Warsaw | village | 3,048 | $55,406 | $940 | 5 mi |
| Arcade | village | 1,915 | $58,695 | $805 | 16 mi |
| Castile | village | 805 | $54,286 | $643 | 10 mi |
| Strykersville | CDP | 665 | $74,615 | $858 | 11 mi |
| Silver Springs | village | 558 | $46,000 | $729 | 8 mi |
| Bliss | CDP | 447 | $50,104 | $733 | 8 mi |
| Wyoming | village | 414 | $75,500 | $794 | 11 mi |
| Gainesville | village | 224 | $64,750 | $702 | 6 mi |
| Pike | CDP | 199 | $70,455 | n/a | 11 mi |
A CDP is a named community without its own municipal government.
More Wyoming County figures
Degree holders: 18% of adults over 25. The uninsured rate is 3.6%, against 5.1% for New York.
| Indicator | Wyoming County | All of New York | U.S. county median |
|---|---|---|---|
| Median age | 43.3 | 39.8 | 41.5 |
| Bachelor's or higher | 18.2% | 40.2% | 22.2% |
| No high school diploma | 12.9% | 12.0% | n/a |
| No health insurance | 3.6% | 5.1% | 7.8% |
| No vehicle | 7.3% | 29.2% | 5.4% |
| Work from home | 7.2% | 14.9% | 8.7% |
| Poverty rate | 11.1% | 14.0% | 13.2% |
| Unemployment (ACS) | 3.6% | 6.4% | 4.4% |
| Trip time | Share |
|---|---|
| Under 15 min | 35.7% |
| 15 to 29 min | 27.8% |
| 30 to 44 min | 17.6% |
| 45 to 59 min | 10.5% |
| 60+ min | 8.5% |
Reading the Wyoming County data as a borrower
A few patterns in the Wyoming County data, and the practical point behind each:
- Keeping the car running. At 19% with long commutes, repairs are a frequent Wyoming County emergency; first decide if the car is worth fixing.
- Debt consolidation. One fixed payment can save money only if the written APR and fees beat what you pay now (guide).
- Fraud. Gift cards, wire transfers or fees to unlock a loan mean walk away (report it).
What a median Wyoming County budget can carry
Lenders compare monthly debt payments with gross monthly income, the debt-to-income ratio. For a Wyoming County household at the medians it works out like this; treat it as an illustration only.
- Monthly gross at the median, Wyoming County: $5,759
- 14% goes to median rent ($802)
- With a 36% ceiling, about $1,271 remains for car, card, student and any new loan payments
Car, student loan and card payments come out of that room first. Try your own numbers in the calculator.
New York rules that apply in Wyoming County
No county office licenses personal lenders. For Wyoming County, check the New York State Department of Financial Services. A CFPB complaint gets forwarded to the company for a response. See the New York state guide for the statewide picture.
A Wyoming County borrower's checklist
Before you apply, wherever you live in Wyoming County:
- Size the loan to the bill, not to the most a lender offers.
- Line up offers side by side: APR, fees in dollars, total cost.
- A New York license check takes minutes; do it first.
- Confirm the first due date before setting up autopay.
Related local guides
For statewide rules and data, see the New York guide.
Frequently asked questions
Is Wyoming County a high-income county?
Its $69,110 median ranks 40th of 62 New York counties and compares with $65,681 for the median U.S. county.
Is Wyoming County expensive for renters?
Median rent is $802 against $1,621 statewide, and 41% of renter households are cost-burdened.
I own my home in Wyoming County. Personal loan or HELOC?
A HELOC uses the house as collateral; a personal loan usually does not. With 76% of homes owner-occupied here, many readers can compare both in writing.
Does this page cover Perry?
Yes, along with the other 9 Census places in Wyoming County, such as Warsaw, Arcade, Castile.
Are Wyoming 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.