1st Advantage MortgageThe median York County household earns $77,757, and 9% of residents live below the poverty line. 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
- York County, NE: the basics
- The York County job picture
- Paychecks and income spread in York County
- Renting and owning in York County
- Towns and communities in York County
- York County next to its neighbors
- Room for a loan payment in York County
- People and households in York County
- Local borrowing considerations for York County
- Who licenses lenders for York County residents
- Four steps for York County borrowers
- Nearby and statewide guides
- Frequently asked questions
York County, NE: the basics
York County is home to about 14,286 people, according to the Census Bureau's 2020 to 2024 American Community Survey, which makes it the 21st most populous of 93 county-level areas in Nebraska. Land area is 573 square miles (2024 Gazetteer), so density runs near 25 per square mile. It sits outside every metropolitan statistical area in the July 2023 OMB delineation. Of the 9 Census places inside York County, York leads by population with about 8,141; 9 of the 9 are incorporated.
The York County job picture
By the Census industry count, 22% of employed York County residents work in education and health care and 13% in manufacturing. Agriculture, forestry and mining stands out: 10% of workers here, versus 4% statewide. ACS puts five-year average unemployment at 1.5% in York County. About 80% drive to work alone and 4% have trips of 45 minutes or more.
| Top industries | York County share | +/- vs Nebraska |
|---|---|---|
| Education and health care | 21.8% | -2.7 pts |
| Manufacturing | 13.4% | +3.0 pts |
| Retail trade | 11.5% | +0.9 pts |
| Agriculture, forestry and mining | 10.1% | +5.9 pts |
| Arts, lodging and food service | 9.4% | +2.1 pts |
| Construction | 7.4% | +0.3 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 York County
At $77,757, the typical York County household income is 18% above the median U.S. county ($65,681). That places it 16th among Nebraska's 93 county-level areas.
| Yearly household income | York County | Gap to Nebraska |
|---|---|---|
| Under $35,000 | 20.4% | -0.3 pts |
| $35,000 to $99,999 | 45.3% | +3.4 pts |
| $100,000 to $199,999 | 26.8% | -1.1 pts |
| $200,000 or more | 7.4% | -2.0 pts |
Some 20% of households here live on less than $35,000 a year; 34% have six-figure incomes. The poverty rate is 9.2%, 1 point lower than the state's 10.6%. None of these numbers decides a York County application. Lenders weigh your own documented income against your own debts.
Renting and owning in York County
Median gross rent, utilities included, comes to $877 in York County versus $1,072 statewide. 34% of renting households spend 30% or more of income on rent, and 21% spend half or more. With a median value of $189,400, a typical York County house costs 2.4 times what the median household earns in a year. The ownership rate is 76%. The median home was built in 1968, so roofs, wiring and heating systems are a common source of repair bills.
| Housing | York County | Nebraska statewide | Typical U.S. county |
|---|---|---|---|
| Median gross rent | $877/mo | $1,072/mo | $877/mo |
| Median home value | $189,400 | $238,600 | $185,300 |
| Owners | 76% | 67% | 75% |
| Rent-burdened renters | 34% | 45% | 45% |
| Burdened owners | 24% | 22% | n/a |
| Mobile homes | 3.5% | 2.9% | n/a |
| Vacant units | 10% | 8% | n/a |
In an owner-heavy county like York 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.
Towns and communities in York County
9 Census places fall mainly inside York County; the 9 biggest are below. They account for 11,021 residents, leaving about 23% of the county in unincorporated, unnamed areas. Among places of 500 or more people, median income runs from $63,265 in York to $118,438 in McCool Junction. Live in one of these York County communities, or between them? This is your local guide.
| Town or CDP | Type | People | Median household income | Median gross rent | Miles from center |
|---|---|---|---|---|---|
| York | city | 8,141 | $63,265 | $862 | 0 mi |
| Henderson | city | 1,049 | $82,500 | n/a | 13 mi |
| McCool Junction | village | 718 | $118,438 | $910 | 9 mi |
| Bradshaw | village | 346 | $72,900 | $1,121 | 8 mi |
| Benedict | village | 280 | $57,500 | $725 | 9 mi |
| Gresham | village | 249 | $45,938 | $725 | 15 mi |
| Waco | village | 178 | $76,250 | n/a | 7 mi |
| Thayer | village | 32 | $66,250 | n/a | 9 mi |
| Lushton | village | 28 | n/a | n/a | 12 mi |
York County next to its neighbors
Six nearby counties, 22 to 34 miles away by the straight-line distance between their centers. 3 of the six report a higher median household income than York County; Hamilton County is highest at $83,994 and Merrick County lowest at $68,354.
| Nearby county | Center to center | Household income | Gross rent | Owner-occupied |
|---|---|---|---|---|
| York County | - | $77,757 | $877/mo | 76% |
| Polk County, NE | 22 mi | $69,768 | $681/mo | 79% |
| Hamilton County, NE | 22 mi | $83,994 | $794/mo | 83% |
| Seward County, NE | 24 mi | $82,444 | $980/mo | 72% |
| Fillmore County, NE | 24 mi | $76,295 | $716/mo | 80% |
| Merrick County, NE | 31 mi | $68,354 | $750/mo | 82% |
| Clay County, NE | 34 mi | $78,986 | $645/mo | 82% |
Room for a loan payment in York County
Here is the York County median household run through a simple DTI check. Your numbers will differ.
- $6,480 a month: gross income for a household at the York County median
- Housing at the median rent of $877 uses 14%
- At 36%, room after rent is $1,456 a month
Car, student loan and card payments come out of that room first. Try your own numbers in the calculator.
People and households in York County
College graduates make up 26% of the adult population. 5.4% of residents have no health coverage.
| Measure | York County | Nebraska statewide | Typical U.S. county |
|---|---|---|---|
| Median age | 38.6 | 37.2 | 41.5 |
| Bachelor's or higher | 25.7% | 34.6% | 22.2% |
| No high school diploma | 6.9% | 7.8% | n/a |
| No health insurance | 5.4% | 7.2% | 7.8% |
| No vehicle | 6.4% | 5.4% | 5.4% |
| Work from home | 6.7% | 11.0% | 8.7% |
| Poverty rate | 9.2% | 10.6% | 13.2% |
| Unemployment (ACS) | 1.5% | 3.0% | 4.4% |
| Trip time | Share |
|---|---|
| Under 15 min | 65.8% |
| 15 to 29 min | 21.6% |
| 30 to 44 min | 8.7% |
| 45 to 59 min | 1.5% |
| 60+ min | 2.3% |
Local borrowing considerations for York County
Where the York County numbers stand out, and why it matters for a loan:
- Debt consolidation. One fixed payment can save money only if the written APR and fees beat what you pay now (guide).
- Getting ready. Gather pay stubs or benefit letters before you apply (checklist).
- Check your file. An error fixed before you apply can change the offers a York County borrower sees (free reports).
Who licenses lenders for York County residents
No county office licenses personal lenders. For York County, check the Nebraska Department of Banking and Finance. Banks and credit unions have their own regulators, and the CFPB takes complaints about any lender. See the Nebraska state guide for the statewide picture.
Four steps for York County borrowers
Steps that save money for York County residents:
- Price the York County expense first and borrow that amount, no more.
- Collect three written offers and compare APR and total repaid.
- A Nebraska license check takes minutes; do it first.
- Lock paid-off cards after consolidating so balances stay at zero.
Nearby and statewide guides
For statewide rules and data, see the Nebraska guide.
Frequently asked questions
What does a typical York County household make?
About $77,757 a year at the median (ACS 2020-24), 2% above the Nebraska median.
Is York County expensive for renters?
Median rent is $877 against $1,072 statewide, and 34% of renter households are cost-burdened.
I live in a small York County town. Is this my guide?
Yes. If your town has no city guide, this county page is the local one; it covers York, Henderson, McCool Junction, Bradshaw, Benedict and 4 more.
Will a York County address affect my match?
Beyond confirming Nebraska as your state, no. Your answers about amount, credit, income and payments are all that count.
Where can someone in York County check a lender's license?
With the Nebraska Department of Banking and Finance. If a lender is unlicensed or asks for a fee before funding, walk away.