1st Advantage MortgageBeaver County households have a median income of $79,360 and median rent of $981 a month (ACS 2020 to 2024). 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
- Beaver County at a glance
- Paychecks and income spread in Beaver County
- Beaver County housing compared with Utah
- The Beaver County job picture
- Beaver County and the counties next door
- Places inside Beaver County
- People and households in Beaver County
- Borrowing situations common in Beaver County
- Budget math at the Beaver County median
- Who licenses lenders for Beaver County residents
- Checklist for Beaver County applicants
- Nearby and statewide guides
- Frequently asked questions
Beaver County at a glance
With an estimated 7,273 residents (ACS 2020 to 2024), Beaver County ranks 24th of 29 in Utah for population. It covers 2,583 square miles of land, or about 3 people per square mile. It sits outside every metropolitan statistical area in the July 2023 OMB delineation. Beaver is the biggest of its 3 Census places, at roughly 3,681 people (51% of the county total). With so few households sampled, Beaver County estimates can move a lot between releases.
Paychecks and income spread in Beaver County
Half of Beaver County households take in less than $79,360 a year and half take in more, 17% below the Utah median of $95,166. Only 12 Utah counties post a higher median.
| Band | Beaver County | Compared with Utah |
|---|---|---|
| Under $35,000 | 14.2% | +0.1 pts |
| $35,000 to $99,999 | 53.2% | +14.6 pts |
| $100,000 to $199,999 | 27.7% | -5.8 pts |
| $200,000 or more | 4.9% | -9.0 pts |
The spread is wide: 33% of Beaver County households make $100,000 or more, and 14% make less than $35,000. Census counts 6.6% of Beaver County residents in poverty, against 8.5% across Utah. None of these numbers decides a Beaver County application. Lenders weigh your own documented income against your own debts.
Beaver County housing compared with Utah
A typical Beaver County rental runs $981 a month including utilities, which is 34% below Utah. Rent takes 30% or more of income for 27% of renter households here. The median owner-occupied home is valued at $283,700, about 3.6 times the median household income. Owners occupy 81% of homes. Half the housing stock was built before 1976.
| Cost | Beaver County | Utah figure | Median county, U.S. |
|---|---|---|---|
| Median gross rent | $981/mo | $1,496/mo | $877/mo |
| Median home value | $283,700 | $489,400 | $185,300 |
| Owners | 81% | 70% | 75% |
| Rent-burdened renters | 27% | 47% | 45% |
| Burdened owners | 17% | 25% | n/a |
| Mobile homes | 7.0% | 2.9% | 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).
The Beaver County job picture
The biggest employer of Beaver County residents, by industry, is education and health care at 21% of workers, followed by construction (15%). Compared with Utah, the county leans toward construction (15% against 8%). Averaged over the five survey years, 1.7% of the labor force was out of work and looking. 13% of commuters travel 45 minutes or more each way, and 9% work from home.
| Top industries | Beaver County share | +/- vs Utah |
|---|---|---|
| Education and health care | 21.2% | -1.3 pts |
| Construction | 15.1% | +7.1 pts |
| Transportation, warehousing and utilities | 11.4% | +6.0 pts |
| Manufacturing | 10.1% | -0.1 pts |
| Agriculture, forestry and mining | 7.3% | +6.0 pts |
| Retail trade | 7.1% | -4.3 pts |
Industry shapes paperwork. Salaried and public jobs are easy to verify, while hourly, tipped, commission or contract earners in Beaver County should have bank statements and tax returns ready.
Beaver County and the counties next door
Iron County is closest, 31 miles from center to center; the sixth, Juab County, is 97 miles off. Income ranges from $48,393 in Piute County to $101,786 in Juab County; 2 of these neighbors top Beaver County's median.
| Nearby county | Center to center | Household income | Gross rent | Owner-occupied |
|---|---|---|---|---|
| Beaver County | - | $79,360 | $981/mo | 81% |
| Iron County, UT | 31 mi | $66,247 | $1,065/mo | 68% |
| Millard County, UT | 42 mi | $73,639 | $882/mo | 82% |
| Piute County, UT | 60 mi | $48,393 | $950/mo | 95% |
| Washington County, UT | 77 mi | $80,632 | $1,566/mo | 72% |
| Sevier County, UT | 82 mi | $74,884 | $912/mo | 78% |
| Juab County, UT | 97 mi | $101,786 | $907/mo | 84% |
Places inside Beaver County
Here are the 3 most populous of the county's 3 Census places, with income and rent from the same 2020 to 2024 survey. About 84% of Beaver County residents live in one of the 3. Incomes vary by place: $82,368 at the median in Milford, $73,750 in Minersville. No Beaver County place has a separate guide yet; this county page serves all 3.
| Town or CDP | Type | People | Median household income | Median gross rent | Miles from center |
|---|---|---|---|---|---|
| Beaver | city | 3,681 | $75,960 | $988 | 33 mi |
| Milford | city | 1,547 | $82,368 | $1,007 | 13 mi |
| Minersville | town | 873 | $73,750 | n/a | 16 mi |
People and households in Beaver County
College graduates make up 23% of the adult population. About 15% go without health insurance.
| Residents | Beaver County | Utah | Middle U.S. county |
|---|---|---|---|
| Median age | 34.4 | 32.0 | 41.5 |
| Bachelor's or higher | 23.5% | 37.7% | 22.2% |
| No high school diploma | 6.8% | 6.6% | n/a |
| No health insurance | 15.2% | 8.4% | 7.8% |
| No vehicle | 2.9% | 4.1% | 5.4% |
| Work from home | 9.3% | 17.6% | 8.7% |
| Poverty rate | 6.6% | 8.5% | 13.2% |
| Unemployment (ACS) | 1.7% | 3.6% | 4.4% |
| Trip time | Share |
|---|---|
| Under 15 min | 63.4% |
| 15 to 29 min | 10.7% |
| 30 to 44 min | 12.8% |
| 45 to 59 min | 8.9% |
| 60+ min | 4.2% |
Borrowing situations common in Beaver County
Based on the Beaver County data above, these borrowing questions are most likely to matter locally.
- Uninsured care. 15% lack coverage here; nonprofit hospitals must publish an assistance policy, so ask for it first (guide).
- Know your credit. Review all three bureau reports for free (AnnualCreditReport.com).
- Paperwork. ID, proof of income and a bank account are the basics (requirements).
Budget math at the Beaver County median
The debt-to-income ratio is the main affordability test lenders use. Applied to Beaver County's medians:
- $6,613 a month: gross income for a household at the Beaver County median
- Median rent: $981, or 15 cents of every gross dollar
- Under a 35% cap, $2,315 total minus rent leaves $1,334
- Under a 45% cap, $2,976 total minus rent leaves $1,995
Subtract what you already pay on other debts. A new payment should fit in what remains, with some to spare.
Who licenses lenders for Beaver County residents
Licensing happens at the state level, so a lender working with Beaver County borrowers answers to the Utah Department of Financial Institutions. Problems with a lender can also go to the CFPB. Statewide data and rules: Utah guide.
Checklist for Beaver County applicants
Steps that save money for Beaver County residents:
- Borrow the amount the job needs; extra cash adds interest.
- Shop at least three lenders, including one Beaver County-area credit union.
- Confirm the lender is licensed in Utah.
- Lock paid-off cards after consolidating so balances stay at zero.
Nearby and statewide guides
For statewide rules and data, see the Utah guide.
Frequently asked questions
Is Beaver County a high-income county?
Its $79,360 median ranks 13th of 29 Utah counties and compares with $65,681 for the median U.S. county.
What do renters pay in Beaver County?
$981 a month at the median, about 15% of median household income.
I own my home in Beaver County. Personal loan or HELOC?
A HELOC uses the house as collateral; a personal loan usually does not. With 81% of homes owner-occupied here, many readers can compare both in writing.
Which towns does the Beaver County guide cover?
Every community in the county, unincorporated areas included. The largest of its 3 Census places: Beaver, Milford, Minersville.
Are Beaver 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.