1st Advantage MortgageIn Yadkin County, North Carolina, the typical household earns $62,932 a year and the typical rent is $766. Whatever your own numbers, compare written offers on APR, fees and total cost, and verify the lender is licensed in North Carolina before sharing details.
On this page
- Who lives in Yadkin County
- Household income in Yadkin County
- The Yadkin County job picture
- What it costs to live in Yadkin County
- Counties near Yadkin County
- Cities, towns and CDPs in Yadkin County
- Yadkin County residents: age, schooling, coverage
- Local borrowing considerations for Yadkin County
- Room for a loan payment in Yadkin County
- Checklist for Yadkin County applicants
- North Carolina rules that apply in Yadkin County
- Nearby and statewide guides
- Frequently asked questions
Who lives in Yadkin County
Roughly 37,574 residents live in Yadkin County, North Carolina, 66th by population among the state's 100 counties and county equivalents. Land area is 335 square miles (2024 Gazetteer), so density runs near 112 per square mile. It is one of the counties that make up the Winston-Salem, NC metropolitan statistical area (OMB, 2023). Yadkinville is the biggest of its 5 Census places, at roughly 3,004 people (8% of the county total).
Household income in Yadkin County
The median household income in Yadkin County is $62,932; statewide it is $72,388, so Yadkin County runs 13% below North Carolina as a whole. In the state ranking that is 44th of 100.
| Households earning | Yadkin County | +/- vs North Carolina |
|---|---|---|
| Under $35,000 | 28.5% | +5.3 pts |
| $35,000 to $99,999 | 43.7% | +2.3 pts |
| $100,000 to $199,999 | 20.8% | -4.2 pts |
| $200,000 or more | 7.0% | -3.4 pts |
About 29% of households earn under $35,000, while 28% clear $100,000. Census counts 14.0% of Yadkin County residents in poverty, against 13.0% across North Carolina. The Gini index of income inequality is 0.461 (0 is perfect equality). A household earning below the $62,932 median should test any payment carefully; one earning above it should still pick the shortest term it can manage.
The Yadkin County job picture
By the Census industry count, 20% of employed Yadkin County residents work in education and health care and 18% in manufacturing. Compared with North Carolina, the county leans toward manufacturing (18% against 12%). The survey's unemployment rate for Yadkin County averages 5.3% over 2020 to 2024 (state: 4.7%). Long commutes are common here: 17% of workers spend 45 minutes or longer getting to work. Households without a car make up 5.2% of the total (5.3% statewide).
| Where residents work | Yadkin County | Difference from North Carolina |
|---|---|---|
| Education and health care | 20.1% | -2.4 pts |
| Manufacturing | 18.4% | +6.8 pts |
| Construction | 11.0% | +3.6 pts |
| Retail trade | 9.6% | -1.5 pts |
| Professional and administrative services | 9.0% | -3.6 pts |
| Other services | 6.5% | +1.7 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.
What it costs to live in Yadkin County
Renters in Yadkin County pay a median of $766 a month, 38% below the North Carolina figure of $1,228. 50% of renting households spend 30% or more of income on rent, and 15% spend half or more. With a median value of $181,200, a typical Yadkin County house costs 2.9 times what the median household earns in a year. Owners occupy 77% of homes. Half the housing stock was built before 1983.
| Measure | Yadkin County | North Carolina | Median U.S. county |
|---|---|---|---|
| Median gross rent | $766/mo | $1,228/mo | $877/mo |
| Median home value | $181,200 | $288,900 | $185,300 |
| Owners | 77% | 67% | 75% |
| Rent-burdened renters | 50% | 49% | 45% |
| Burdened owners | 22% | 25% | n/a |
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). When half or more of renters are already stretched, a new payment needs a stress test: what happens if a paycheck is a week late?
Counties near Yadkin County
Davie County is closest, 17 miles from center to center; the sixth, Wilkes County, is 28 miles off. Iredell County leads the group on income ($81,419), Wilkes County trails ($51,721), and Yadkin County out-earns 2 of the six.
| Adjacent area | How far | HH income (median) | Rent (median) | Owner share |
|---|---|---|---|---|
| Yadkin County | - | $62,932 | $766/mo | 77% |
| Davie County, NC | 17 mi | $75,057 | $867/mo | 82% |
| Surry County, NC | 18 mi | $55,656 | $761/mo | 73% |
| Forsyth County, NC | 23 mi | $67,165 | $1,098/mo | 64% |
| Iredell County, NC | 27 mi | $81,419 | $1,252/mo | 72% |
| Stokes County, NC | 27 mi | $62,969 | $775/mo | 79% |
| Wilkes County, NC | 28 mi | $51,721 | $723/mo | 74% |
Cities, towns and CDPs in Yadkin County
The table lists the 5 largest of 5 Census places in Yadkin County, by population. Together all 5 hold about 8,383 people, so roughly 78% of residents live outside any named place. Among places of 500 or more people, median income runs from $29,837 in Jonesville to $68,145 in Boonville. Rent is cheapest in Jonesville ($499) and steepest in Boonville ($837). Live in one of these Yadkin County communities, or between them? This is your local guide.
| Name | Kind | Pop. | Income | Rent | Miles |
|---|---|---|---|---|---|
| Yadkinville | town | 3,004 | $53,125 | $745 | 2 mi |
| Jonesville | town | 2,860 | $29,837 | $499 | 11 mi |
| Boonville | town | 1,593 | $68,145 | $837 | 6 mi |
| East Bend | town | 715 | $59,219 | $825 | 10 mi |
| Smithtown | CDP | 211 | n/a | n/a | 7 mi |
CDP: census-designated place, an unincorporated community mapped for statistics.
Yadkin County residents: age, schooling, coverage
18% of Yadkin County adults 25 and older hold a bachelor's degree or more. The uninsured rate is 12.0%, against 9.9% for North Carolina.
| Measure | Yadkin County | North Carolina statewide | Typical U.S. county |
|---|---|---|---|
| Median age | 44.3 | 39.1 | 41.5 |
| Bachelor's or higher | 17.5% | 35.7% | 22.2% |
| No high school diploma | 13.4% | 9.9% | n/a |
| No health insurance | 12.0% | 9.9% | 7.8% |
| No vehicle | 5.2% | 5.3% | 5.4% |
| Work from home | 5.6% | 16.3% | 8.7% |
| Poverty rate | 14.0% | 13.0% | 13.2% |
| Unemployment (ACS) | 5.3% | 4.7% | 4.4% |
| Trip time | Share |
|---|---|
| Under 15 min | 25.6% |
| 15 to 29 min | 31.0% |
| 30 to 44 min | 26.1% |
| 45 to 59 min | 8.3% |
| 60+ min | 9.0% |
Local borrowing considerations for Yadkin County
A few patterns in the Yadkin County data, and the practical point behind each:
- Uninsured care. 12% lack coverage here; nonprofit hospitals must publish an assistance policy, so ask for it first (guide).
- Mobile home upkeep. 21% of units fall in this category; roof, skirting and HVAC jobs are common reasons to borrow.
- 50% rent-burdened. A payment on top of high rent needs a cushion; size it with the calculator.
Room for a loan payment in Yadkin County
Lenders compare monthly debt payments with gross monthly income, the debt-to-income ratio. For a Yadkin County household at the medians it works out like this; treat it as an illustration only.
- Start: $5,244 gross per month ($62,932 / 12)
- 15% goes to median rent ($766)
- Under a 36% cap, $1,888 total minus rent leaves $1,122
- $1,489: what a 43% ratio leaves once rent is paid
Car, student loan and card payments come out of that room first. Try your own numbers in the calculator.
Checklist for Yadkin County applicants
Steps that save money for Yadkin County residents:
- Price the Yadkin County expense first and borrow that amount, no more.
- Ask each lender for the APR and all fees in writing.
- A North Carolina license check takes minutes; do it first.
- Lock paid-off cards after consolidating so balances stay at zero.
North Carolina rules that apply in Yadkin County
Yadkin County borrowers fall under statewide rules, enforced by the North Carolina Office of the Commissioner of Banks. The Consumer Financial Protection Bureau accepts complaints nationwide. More on North Carolina: North Carolina personal loans.
Nearby and statewide guides
The North Carolina guide covers the whole state.
Frequently asked questions
What does a typical Yadkin County household make?
About $62,932 a year at the median (ACS 2020-24), 13% below the North Carolina median.
How does Yadkin County rent compare with North Carolina?
$766 locally versus $1,228 for the state, 38% below.
Should Yadkin County homeowners use home equity instead?
Maybe, but weigh the risk: 77% of Yadkin 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 Yadkin County guide cover?
Every community in the county, unincorporated areas included. The largest of its 5 Census places: Yadkinville, Jonesville, Boonville, East Bend, Smithtown.
Does living in Yadkin 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 Yadkin County resident as anyone. Lenders decide under fair-lending law.