1st Advantage MortgageThe median Box Elder County household earns $84,550, and 8% of residents live below the poverty line. Whatever your own numbers, compare written offers on APR, fees and total cost, and verify the lender is licensed in Utah before sharing details.
On this page
- A quick profile of Box Elder County
- Renting and owning in Box Elder County
- Paychecks and income spread in Box Elder County
- The Box Elder County job picture
- Box Elder County towns compared
- Regional comparison for Box Elder County
- Room for a loan payment in Box Elder County
- Before borrowing in Box Elder County
- People and households in Box Elder County
- Who licenses lenders for Box Elder County residents
- Before you sign
- Nearby and statewide guides
- Frequently asked questions
A quick profile of Box Elder County
The latest five-year Census estimate puts Box Elder County's population at 61,246; only 8 of Utah's 29 county-level areas are larger. Spread over 5,781 square miles, that works out to roughly 10.6 residents per square mile. It sits outside every metropolitan statistical area in the July 2023 OMB delineation. The Census Bureau counts 19 places in the county (16 incorporated, 3 census-designated); the largest is Brigham City, with about 19,992 residents, or 33% of the county.
Renting and owning in Box Elder County
Renters in Box Elder County pay a median of $1,116 a month, 25% below the Utah figure of $1,496. 40% of renting households spend 30% or more of income on rent, and 19% spend half or more. With a median value of $403,600, a typical Box Elder County house costs 4.8 times what the median household earns in a year. The ownership rate is 76%. Half the housing stock was built before 1983.
| Cost | Box Elder County | Utah figure | Median county, U.S. |
|---|---|---|---|
| Median gross rent | $1,116/mo | $1,496/mo | $877/mo |
| Median home value | $403,600 | $489,400 | $185,300 |
| Owners | 76% | 70% | 75% |
| Rent-burdened renters | 40% | 47% | 45% |
| Burdened owners | 26% | 25% | n/a |
In an owner-heavy county like Box Elder 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.
Paychecks and income spread in Box Elder County
Box Elder County households have a median income of $84,550 (ACS 2020 to 2024), which ranks 10th of 29 in Utah.
| Income band | Share in Box Elder County | Difference from Utah |
|---|---|---|
| Under $35,000 | 15.3% | +1.3 pts |
| $35,000 to $99,999 | 44.6% | +6.1 pts |
| $100,000 to $199,999 | 32.8% | -0.8 pts |
| $200,000 or more | 7.3% | -6.6 pts |
Some 15% of households here live on less than $35,000 a year; 40% have six-figure incomes. 8.4% of residents fall below the federal poverty line (statewide: 8.5%). The Gini index of income inequality is 0.386 (0 is perfect equality). Income from any regular source can count, including Social Security, pensions and disability benefits, as long as you can document it.
The Box Elder County job picture
Manufacturing employs 22% of working residents, the largest share; education and health care is next with 18%. Compared with Utah, the county leans toward manufacturing (22% against 10%). ACS puts five-year average unemployment at 3.2% in Box Elder County. Long commutes are the exception here: 12% of workers spend 45 minutes or longer getting to work.
| Industry (employed residents 16+) | Box Elder County | Gap to Utah |
|---|---|---|
| Manufacturing | 21.6% | +11.4 pts |
| Education and health care | 17.6% | -4.9 pts |
| Retail trade | 11.3% | 0.0 pts |
| Construction | 10.4% | +2.3 pts |
| Professional and administrative services | 7.1% | -6.0 pts |
| Public administration | 6.4% | +1.7 pts |
A lender verifies what your own job pays. The county's industry mix tells you about the local economy, not about your application.
Box Elder County towns compared
Here are the 14 most populous of the county's 19 Census places, with income and rent from the same 2020 to 2024 survey. About 89% of Box Elder County residents live in one of the 19. Mantua has the highest median household income on the list ($142,188) and Brigham City the lowest ($71,308), counting places with at least 500 residents. Median rent ranges from $868 in Garland to $2,000 in Mantua. None of the 19 has its own city guide, so this page covers all of them.
| Place | Type | Population | Median income | Median rent | From county center |
|---|---|---|---|---|---|
| Brigham City | city | 19,992 | $71,308 | $1,070 | 53 mi |
| Tremonton | city | 11,477 | $74,741 | $1,220 | 46 mi |
| Perry | city | 5,843 | $112,639 | $992 | 54 mi |
| Garland | city | 2,660 | $74,375 | $868 | 47 mi |
| Willard | city | 2,212 | $97,782 | $1,648 | 55 mi |
| Mantua | town | 1,677 | $142,188 | $2,000 | 59 mi |
| Elwood | town | 1,547 | $101,771 | $1,333 | 48 mi |
| South Willard | CDP | 1,532 | $119,327 | n/a | 56 mi |
| Honeyville | city | 1,275 | $87,083 | $1,325 | 50 mi |
| Thatcher | CDP | 1,170 | $100,750 | n/a | 38 mi |
| Riverside | CDP | 1,135 | $73,246 | n/a | 49 mi |
| Bear River City | city | 867 | $97,895 | $1,125 | 48 mi |
| Corinne | city | 783 | $76,429 | $1,092 | 49 mi |
| Fielding | town | 746 | $81,250 | $975 | 50 mi |
A CDP is a named community without its own municipal government.
Regional comparison for Box Elder County
Six nearby counties, 48 to 74 miles away by the straight-line distance between their centers. 2 of the six report a higher median household income than Box Elder County; Davis County is highest at $110,884 and Cassia County lowest at $70,830. The list crosses into Idaho, where different lending rules and regulators apply.
| County | Distance | Median income | Median rent | Owners |
|---|---|---|---|---|
| Box Elder County | - | $84,550 | $1,116/mo | 76% |
| Oneida County, ID | 48 mi | $74,954 | $859/mo | 88% |
| Cassia County, ID | 54 mi | $70,830 | $1,000/mo | 69% |
| Davis County, UT | 60 mi | $110,884 | $1,621/mo | 77% |
| Weber County, UT | 66 mi | $90,005 | $1,379/mo | 74% |
| Cache County, UT | 68 mi | $81,665 | $1,213/mo | 64% |
| Franklin County, ID | 74 mi | $71,950 | $894/mo | 78% |
Room for a loan payment in Box Elder County
Lenders compare monthly debt payments with gross monthly income, the debt-to-income ratio. For a Box Elder County household at the medians it works out like this; treat it as an illustration only.
- Median income divided by twelve: $7,046 before taxes
- Housing at the median rent of $1,116 uses 16%
- $1,350: what a 35% ratio leaves once rent is paid
- Under a 45% cap, $3,171 total minus rent leaves $2,055
Car, student loan and card payments come out of that room first. Try your own numbers in the calculator.
Before borrowing in Box Elder County
What the Box Elder County figures suggest, and what to check first:
- Strong incomes, long terms. 40% of Box Elder County households earn $100,000+. The risk is a term that outlasts the need.
- Check your file. An error fixed before you apply can change the offers a Box Elder County borrower sees (free reports).
- Debt consolidation. One fixed payment can save money only if the written APR and fees beat what you pay now (guide).
People and households in Box Elder County
College graduates make up 27% of the adult population. 8.0% of residents have no health coverage.
| Indicator | Box Elder County | All of Utah | U.S. county median |
|---|---|---|---|
| Median age | 33.3 | 32.0 | 41.5 |
| Bachelor's or higher | 26.7% | 37.7% | 22.2% |
| No high school diploma | 7.6% | 6.6% | n/a |
| No health insurance | 8.0% | 8.4% | 7.8% |
| No vehicle | 4.0% | 4.1% | 5.4% |
| Work from home | 11.5% | 17.6% | 8.7% |
| Poverty rate | 8.4% | 8.5% | 13.2% |
| Unemployment (ACS) | 3.2% | 3.6% | 4.4% |
| Minutes to work | Box Elder County workers |
|---|---|
| Under 15 min | 41.8% |
| 15 to 29 min | 24.7% |
| 30 to 44 min | 21.2% |
| 45 to 59 min | 6.7% |
| 60+ min | 5.6% |
Who licenses lenders for Box Elder County residents
No county office licenses personal lenders. For Box Elder County, check the Utah Department of Financial Institutions. A CFPB complaint gets forwarded to the company for a response. Statewide data and rules: Utah guide.
Before you sign
Before you apply, wherever you live in Box Elder County:
- Get a written quote for whatever you are paying for in Box Elder County.
- Line up offers side by side: APR, fees in dollars, total cost.
- Verify the Utah license before giving out your Social Security number.
- Keep a small cushion so one surprise bill does not mean another loan.
Nearby and statewide guides
The Utah guide covers the whole state.
Frequently asked questions
What does a typical Box Elder County household make?
About $84,550 a year at the median (ACS 2020-24), 11% below the Utah median.
Is Box Elder County expensive for renters?
Median rent is $1,116 against $1,496 statewide, and 40% of renter households are cost-burdened.
I own my home in Box Elder 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.
I live in a small Box Elder County town. Is this my guide?
Yes. If your town has no city guide, this county page is the local one; it covers Brigham City, Tremonton, Perry, Garland, Willard and 14 more.
Does my county matter to the questionnaire?
Only your state does. Whether you live in Box Elder County or elsewhere in Utah, the same rules apply.