1st Advantage MortgageThe median Bingham County household earns $77,878, and 12% of residents live below the poverty line. A loan makes sense only if its total cost beats your alternatives and the payment fits your budget. Check the lender's Idaho license first.
On this page
- Bingham County, ID: the basics
- Housing costs in Bingham County
- How much Bingham County households make
- Employment and commuting in Bingham County
- Regional comparison for Bingham County
- Towns and communities in Bingham County
- Debt-to-income at Bingham County's medians
- What the numbers mean for Bingham County borrowers
- Bingham County residents: age, schooling, coverage
- Idaho rules that apply in Bingham County
- Checklist for Bingham County applicants
- More guides for Bingham County
- Frequently asked questions
Bingham County, ID: the basics
The latest five-year Census estimate puts Bingham County's population at 49,664; only 8 of Idaho's 44 county-level areas are larger. Land area is 2,094 square miles (2024 Gazetteer), so density runs near 24 per square mile. No metropolitan area includes Bingham County in the 2023 federal delineation, so its numbers stand on their own rather than as part of a metro. Of the 10 Census places inside Bingham County, Blackfoot leads by population with about 12,782; 5 of the 10 are incorporated.
Housing costs in Bingham County
Renters in Bingham County pay a median of $874 a month, 29% below the Idaho figure of $1,238. Rent takes 30% or more of income for 40% of renter households here. Home values center on $293,300, or 3.8 years of median income. 81% of Bingham County households own their home and 19% rent. The median home was built in 1978, so roofs, wiring and heating systems are a common source of repair bills.
| Cost | Bingham County | Idaho figure | Median county, U.S. |
|---|---|---|---|
| Median gross rent | $874/mo | $1,238/mo | $877/mo |
| Median home value | $293,300 | $418,600 | $185,300 |
| Owners | 81% | 72% | 75% |
| Rent-burdened renters | 40% | 47% | 45% |
| Burdened owners | 22% | 27% | 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).
How much Bingham County households make
Bingham County households have a median income of $77,878 (ACS 2020 to 2024), which ranks 8th of 44 in Idaho.
| Band | Bingham County | Compared with Idaho |
|---|---|---|
| Under $35,000 | 20.7% | +1.7 pts |
| $35,000 to $99,999 | 42.7% | -1.0 pts |
| $100,000 to $199,999 | 29.1% | +1.1 pts |
| $200,000 or more | 7.5% | -1.8 pts |
The spread is wide: 37% of Bingham County households make $100,000 or more, and 21% make less than $35,000. 11.7% of residents fall below the federal poverty line (statewide: 10.6%). The Gini index of income inequality is 0.420 (0 is perfect equality). None of these numbers decides a Bingham County application. Lenders weigh your own documented income against your own debts.
Employment and commuting in Bingham County
Education and health care employs 21% of working residents, the largest share; retail trade is next with 12%. Compared with Idaho, the county leans toward agriculture, forestry and mining (8% against 4%). Averaged over the five survey years, 5.4% of the labor force was out of work and looking. Long commutes are the exception here: 12% of workers spend 45 minutes or longer getting to work. Households without a car make up 4.5% of the total (3.7% statewide).
| Sector | Bingham County | Compared with Idaho |
|---|---|---|
| Education and health care | 21.3% | -1.1 pts |
| Retail trade | 12.2% | +0.6 pts |
| Manufacturing | 11.9% | +2.4 pts |
| Professional and administrative services | 9.2% | -1.4 pts |
| Construction | 8.6% | -0.7 pts |
| Agriculture, forestry and mining | 7.5% | +3.5 pts |
A lender verifies what your own job pays. The county's industry mix tells you about the local economy, not about your application.
Regional comparison for Bingham County
Bannock County is closest, 37 miles from center to center; the sixth, Caribou County, is 52 miles off. Income ranges from $53,015 in Butte County to $86,679 in Jefferson County; 2 of these neighbors top Bingham County's median.
| Nearby county | Center to center | Household income | Gross rent | Owner-occupied |
|---|---|---|---|---|
| Bingham County | - | $77,878 | $874/mo | 81% |
| Bannock County, ID | 37 mi | $66,499 | $960/mo | 70% |
| Jefferson County, ID | 40 mi | $86,679 | $1,138/mo | 83% |
| Bonneville County, ID | 41 mi | $79,068 | $1,133/mo | 72% |
| Power County, ID | 43 mi | $61,146 | $767/mo | 74% |
| Butte County, ID | 51 mi | $53,015 | $608/mo | 78% |
| Caribou County, ID | 52 mi | $68,782 | $847/mo | 82% |
Towns and communities in Bingham County
The table lists the 10 largest of 10 Census places in Bingham County, by population. Together all 10 hold about 28,197 people, so roughly 43% of residents live outside any named place. Incomes vary by place: $105,625 at the median in Riverside, $44,514 in Fort Hall. Median rent ranges from $579 in Moreland to $1,265 in Shelley. Live in one of these Bingham County communities, or between them? This is your local guide.
| Community | Type | Residents | Household income (median) | Rent (median) | Distance |
|---|---|---|---|---|---|
| Blackfoot | city | 12,782 | $64,032 | $839 | 3 mi |
| Shelley | city | 5,092 | $77,563 | $1,265 | 18 mi |
| Fort Hall | CDP | 2,654 | $44,514 | $672 | 14 mi |
| Aberdeen | city | 2,564 | $82,619 | $650 | 29 mi |
| Groveland | CDP | 1,422 | $76,094 | $1,195 | 1 mi |
| Moreland | CDP | 1,326 | $60,682 | $579 | 2 mi |
| Riverside | CDP | 867 | $105,625 | n/a | 2 mi |
| Basalt | city | 569 | $78,472 | $775 | 14 mi |
| Rockford | CDP | 492 | $111,583 | n/a | 7 mi |
| Firth | city | 429 | $56,250 | $775 | 12 mi |
CDPs are unincorporated communities the Census Bureau defines for counting.
Debt-to-income at Bingham County's medians
Here is the Bingham County median household run through a simple DTI check. Your numbers will differ.
- Start: $6,490 gross per month ($77,878 / 12)
- Housing at the median rent of $874 uses 13%
- At 40%, room after rent is $1,722 a month
Two-income households and single earners in Bingham County land in very different places on this math, so run it for your own budget.
What the numbers mean for Bingham County borrowers
Where the Bingham County numbers stand out, and why it matters for a loan:
- 12% mobile homes. Many are not titled as real estate, so home-equity options may not apply; an unsecured loan is the usual route.
- Consolidating cards in Bingham County. Compare the total repaid, not the monthly figure (how).
- Getting ready. Gather pay stubs or benefit letters before you apply (checklist).
Bingham County residents: age, schooling, coverage
Degree holders: 22% of adults over 25. About 9% go without health insurance.
| People and households | Bingham County | Idaho | Median county |
|---|---|---|---|
| Median age | 35.0 | 37.3 | 41.5 |
| Bachelor's or higher | 21.8% | 31.8% | 22.2% |
| No high school diploma | 11.1% | 8.1% | n/a |
| No health insurance | 8.9% | 9.1% | 7.8% |
| No vehicle | 4.5% | 3.7% | 5.4% |
| Work from home | 6.5% | 13.3% | 8.7% |
| Poverty rate | 11.7% | 10.6% | 13.2% |
| Unemployment (ACS) | 5.4% | 3.7% | 4.4% |
| Travel time to work | Workers |
|---|---|
| Under 15 min | 38.1% |
| 15 to 29 min | 32.4% |
| 30 to 44 min | 18.0% |
| 45 to 59 min | 6.5% |
| 60+ min | 5.0% |
Idaho rules that apply in Bingham County
No county office licenses personal lenders. For Bingham County, check the Idaho Department of Finance. Federal complaints: consumerfinance.gov. See the Idaho state guide for the statewide picture.
Checklist for Bingham County applicants
Four checks before you sign anything:
- Borrow the amount the job needs; extra cash adds interest.
- Prequalify with soft pulls where offered, then compare in writing.
- A Idaho license check takes minutes; do it first.
- Confirm the first due date before setting up autopay.
More guides for Bingham County
For statewide rules and data, see the Idaho guide.
Frequently asked questions
Is Bingham County a high-income county?
Its $77,878 median ranks 8th of 44 Idaho counties and compares with $65,681 for the median U.S. county.
What do renters pay in Bingham County?
$874 a month at the median, about 13% of median household income.
Does this page cover Blackfoot?
Yes, along with the other 9 Census places in Bingham County, such as Shelley, Fort Hall, Aberdeen.
Does my county matter to the questionnaire?
Only your state does. Whether you live in Bingham County or elsewhere in Idaho, the same rules apply.
Who regulates personal lenders for Bingham County residents?
The Idaho Department of Finance licenses consumer lenders in Idaho; the CFPB takes complaints about any lender, and the FTC wants to hear about fee-first offers.