1st Advantage MortgageAbout 64% of Cache County homes are owner-occupied, and the median household income is $81,665. 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
- Cache County at a glance
- Paychecks and income spread in Cache County
- Housing costs in Cache County
- Jobs and commutes in Cache County
- Neighboring counties at a glance
- Cities, towns and CDPs in Cache County
- Room for a loan payment in Cache County
- What the numbers mean for Cache County borrowers
- Cache County residents: age, schooling, coverage
- Utah rules that apply in Cache County
- Four steps for Cache County borrowers
- More guides for Cache County
- Frequently asked questions
Cache County at a glance
Roughly 140,046 residents live in Cache County, Utah, 6th by population among the state's 29 counties and county equivalents. It covers 1,165 square miles of land, or about 120 people per square mile. The federal metro definitions (OMB, July 2023) place it in the Logan, UT-ID metropolitan area. Of the 24 Census places inside Cache County, Logan leads by population with about 54,907; 19 of the 24 are incorporated.
Paychecks and income spread in Cache County
Cache County households have a median income of $81,665 (ACS 2020 to 2024), which ranks 11th of 29 in Utah.
| Income band | Share in Cache County | Difference from Utah |
|---|---|---|
| Under $35,000 | 16.4% | +2.4 pts |
| $35,000 to $99,999 | 44.4% | +5.9 pts |
| $100,000 to $199,999 | 29.3% | -4.2 pts |
| $200,000 or more | 9.9% | -4.0 pts |
Some 16% of households here live on less than $35,000 a year; 39% have six-figure incomes. The poverty rate is 12.0%, 3 points higher than the state's 8.5%. Income from any regular source can count, including Social Security, pensions and disability benefits, as long as you can document it.
Housing costs in Cache County
A typical Cache County rental runs $1,213 a month including utilities, which is 19% below Utah. By the Census definition, 45% of Cache County renters are cost-burdened. With a median value of $444,400, a typical Cache County house costs 5.4 times what the median household earns in a year. 64% of Cache County households own their home and 36% rent. The median year built is 1992.
| Cost | Cache County | Utah figure | Median county, U.S. |
|---|---|---|---|
| Median gross rent | $1,213/mo | $1,496/mo | $877/mo |
| Median home value | $444,400 | $489,400 | $185,300 |
| Owners | 64% | 70% | 75% |
| Rent-burdened renters | 45% | 47% | 45% |
| Burdened owners | 23% | 25% | n/a |
| Vacant units | 5% | 8% | n/a |
Jobs and commutes in Cache County
The biggest employer of Cache County residents, by industry, is education and health care at 25% of workers, followed by manufacturing (17%). Manufacturing stands out: 17% of workers here, versus 10% statewide. ACS puts five-year average unemployment at 2.6% in Cache County. 7% of commuters travel 45 minutes or more each way, and 14% work from home. Households without a car make up 3.1% of the total (4.1% statewide).
| Sector | Cache County | Compared with Utah |
|---|---|---|
| Education and health care | 24.6% | +2.1 pts |
| Manufacturing | 17.4% | +7.2 pts |
| Professional and administrative services | 12.9% | -0.2 pts |
| Retail trade | 11.6% | +0.2 pts |
| Arts, lodging and food service | 8.2% | +0.1 pts |
| Construction | 6.3% | -1.8 pts |
A lender verifies what your own job pays. The county's industry mix tells you about the local economy, not about your application.
Neighboring counties at a glance
The six counties whose centers lie closest to Cache County's, from 27 to 51 miles away. 2 of the six report a higher median household income than Cache County; Morgan County is highest at $130,929 and Franklin County lowest at $71,950. The list crosses into Idaho, where different lending rules and regulators apply.
| Nearby county | Center to center | Household income | Gross rent | Owner-occupied |
|---|---|---|---|---|
| Cache County | - | $81,665 | $1,213/mo | 64% |
| Rich County, UT | 27 mi | $79,009 | $760/mo | 85% |
| Franklin County, ID | 31 mi | $71,950 | $894/mo | 78% |
| Weber County, UT | 33 mi | $90,005 | $1,379/mo | 74% |
| Bear Lake County, ID | 44 mi | $75,260 | $632/mo | 90% |
| Morgan County, UT | 45 mi | $130,929 | $1,492/mo | 89% |
| Oneida County, ID | 51 mi | $74,954 | $859/mo | 88% |
Cities, towns and CDPs in Cache County
Here are the 14 most populous of the county's 24 Census places, with income and rent from the same 2020 to 2024 survey. About 97% of Cache County residents live in one of the 24. Mendon has the highest median household income on the list ($148,261) and Logan the lowest ($60,687), counting places with at least 500 residents. Rent is cheapest in Mendon ($785) and steepest in Amalga ($2,120). None of the 24 has its own city guide, so this page covers all of them.
| Place | Type | Population | Median income | Median rent | From county center |
|---|---|---|---|---|---|
| Logan | city | 54,907 | $60,687 | $1,149 | 5 mi |
| Smithfield | city | 14,408 | $97,537 | $1,311 | 8 mi |
| North Logan | city | 11,460 | $89,891 | $1,658 | 4 mi |
| Hyrum | city | 10,401 | $88,725 | $1,269 | 9 mi |
| Providence | city | 8,947 | $118,072 | $1,560 | 4 mi |
| Nibley | city | 7,952 | $108,072 | $1,667 | 7 mi |
| Hyde Park | city | 5,540 | $113,102 | $1,273 | 6 mi |
| Wellsville | city | 4,157 | $104,351 | $1,250 | 13 mi |
| Richmond | city | 3,000 | $110,428 | $1,063 | 13 mi |
| Lewiston | city | 2,408 | $98,583 | $921 | 18 mi |
| River Heights | city | 2,282 | $117,708 | $1,092 | 4 mi |
| Millville | city | 1,800 | $114,773 | $840 | 5 mi |
| Benson | CDP | 1,776 | $93,194 | $953 | 9 mi |
| Mendon | city | 1,482 | $148,261 | $785 | 12 mi |
A CDP is a named community without its own municipal government.
Room for a loan payment in Cache County
Lenders compare monthly debt payments with gross monthly income, the debt-to-income ratio. For a Cache County household at the medians it works out like this; treat it as an illustration only.
- $6,805 a month: gross income for a household at the Cache County median
- Rent at the median, $1,213, takes 18% of that
- $1,713: what a 43% ratio leaves once rent is paid
Subtract what you already pay on other debts. A new payment should fit in what remains, with some to spare.
What the numbers mean for Cache County borrowers
Where the Cache County numbers stand out, and why it matters for a loan:
- 45% rent-burdened. A payment on top of high rent needs a cushion; size it with the calculator.
- Credit reports. Pull free reports at AnnualCreditReport.com and dispute errors before applying.
- Getting ready. Gather pay stubs or benefit letters before you apply (checklist).
Cache County residents: age, schooling, coverage
College graduates make up 42% of the adult population. 6.9% of residents have no health coverage.
| Cache County | Utah | U.S. county median | |
|---|---|---|---|
| Median age | 26.2 | 32.0 | 41.5 |
| Bachelor's or higher | 42.2% | 37.7% | 22.2% |
| No high school diploma | 5.5% | 6.6% | n/a |
| No health insurance | 6.9% | 8.4% | 7.8% |
| No vehicle | 3.1% | 4.1% | 5.4% |
| Work from home | 14.0% | 17.6% | 8.7% |
| Poverty rate | 12.0% | 8.5% | 13.2% |
| Unemployment (ACS) | 2.6% | 3.6% | 4.4% |
| One-way commute | Share of Cache County workers |
|---|---|
| Under 15 min | 49.3% |
| 15 to 29 min | 35.6% |
| 30 to 44 min | 7.8% |
| 45 to 59 min | 3.2% |
| 60+ min | 3.9% |
Utah rules that apply in Cache County
Before sharing details with a lender, a Cache County resident can confirm its license with the Utah Department of Financial Institutions. Federal complaints: consumerfinance.gov. Statewide data and rules: Utah guide.
Four steps for Cache County borrowers
Quick steps for Cache County:
- Size the loan to the bill, not to the most a lender offers.
- Compare the total repaid on every offer, not just the payment.
- A Utah license check takes minutes; do it first.
- Read the final agreement; it must match the offer.
More guides for Cache County
The Utah guide covers the whole state.
Frequently asked questions
How much do households in Cache County earn?
The median is $81,665; 39% earn $100,000 or more and 16% under $35,000. A lender uses your own documented income, not this figure.
Is Cache County expensive for renters?
Median rent is $1,213 against $1,496 statewide, and 45% of renter households are cost-burdened.
Does this page cover Logan?
Yes, along with the other 23 Census places in Cache County, such as Smithfield, North Logan, Hyrum.
Will a Cache County address affect my match?
Beyond confirming Utah as your state, no. Your answers about amount, credit, income and payments are all that count.
Where can someone in Cache County check a lender's license?
With the Utah Department of Financial Institutions. If a lender is unlicensed or asks for a fee before funding, walk away.