1st Advantage MortgageEagle County households have a median income of $104,096 and median rent of $2,019 a month (ACS 2020 to 2024). A loan makes sense only if its total cost beats your alternatives and the payment fits your budget. Check the lender's Colorado license first.
On this page
- Eagle County at a glance
- Eagle County housing compared with Colorado
- Paychecks and income spread in Eagle County
- Jobs and commutes in Eagle County
- The communities that make up Eagle County
- Neighboring counties at a glance
- Room for a loan payment in Eagle County
- Eagle County households compared
- Borrowing situations common in Eagle County
- Who licenses lenders for Eagle County residents
- Before you sign
- Nearby and statewide guides
- Frequently asked questions
Eagle County at a glance
The latest five-year Census estimate puts Eagle County's population at 55,135; only 14 of Colorado's 64 county-level areas are larger. Land area is 1,684 square miles (2024 Gazetteer), so density runs near 33 per square mile. It sits outside every metropolitan statistical area in the July 2023 OMB delineation. The Census Bureau counts 12 places in the county (6 incorporated, 6 census-designated); the largest is Edwards, with about 10,785 residents, or 20% of the county.
Eagle County housing compared with Colorado
A typical Eagle County rental runs $2,019 a month including utilities, which is 15% above Colorado. Rent takes 30% or more of income for 65% of renter households here. With a median value of $839,500, a typical Eagle County house costs 8.1 times what the median household earns in a year. Owners occupy 66% of homes.
| Cost | Eagle County | Colorado figure | Median county, U.S. |
|---|---|---|---|
| Median gross rent | $2,019/mo | $1,761/mo | $877/mo |
| Median home value | $839,500 | $539,400 | $185,300 |
| Owners | 66% | 66% | 75% |
| Rent-burdened renters | 65% | 53% | 45% |
| Burdened owners | 35% | 30% | n/a |
| Mobile homes | 5.0% | 3.5% | n/a |
| Vacant units | 35% | 8% | n/a |
High rent burdens leave little slack. If you are borrowing to consolidate, make sure the new payment is lower than the ones it replaces.
Paychecks and income spread in Eagle County
Eagle County households have a median income of $104,096 (ACS 2020 to 2024), which ranks 7th of 64 in Colorado.
| Income band | Share in Eagle County | Difference from Colorado |
|---|---|---|
| Under $35,000 | 14.9% | -1.4 pts |
| $35,000 to $99,999 | 32.5% | -3.3 pts |
| $100,000 to $199,999 | 31.8% | +0.9 pts |
| $200,000 or more | 20.8% | +3.8 pts |
Some 15% of households here live on less than $35,000 a year; 53% have six-figure incomes. 8.7% of residents fall below the federal poverty line (statewide: 9.4%). The Gini index of income inequality is 0.490 (0 is perfect equality). A household earning below the $104,096 median should test any payment carefully; one earning above it should still pick the shortest term it can manage.
Jobs and commutes in Eagle County
The biggest employer of Eagle County residents, by industry, is arts, lodging and food service at 21% of workers, followed by education and health care (18%). Compared with Colorado, the county leans toward arts, lodging and food service (21% against 9%). The survey's unemployment rate for Eagle County averages 4.7% over 2020 to 2024 (state: 4.6%). Long commutes are the exception here: 12% of workers spend 45 minutes or longer getting to work. Households without a car make up 5.3% of the total (5.2% statewide).
| Sector | Eagle County | Compared with Colorado |
|---|---|---|
| Arts, lodging and food service | 21.0% | +12.0 pts |
| Education and health care | 18.1% | -3.7 pts |
| Retail trade | 12.1% | +1.9 pts |
| Construction | 10.2% | +2.2 pts |
| Professional and administrative services | 9.2% | -6.4 pts |
| Finance, insurance and real estate | 6.9% | -0.3 pts |
Industry shapes paperwork. Salaried and public jobs are easy to verify, while hourly, tipped, commission or contract earners in Eagle County should have bank statements and tax returns ready.
The communities that make up Eagle County
Here are the 12 most populous of the county's 12 Census places, with income and rent from the same 2020 to 2024 survey. About 79% of Eagle County residents live in one of the 12. Among places of 500 or more people, median income runs from $81,909 in Edwards to $115,564 in Gypsum. Live in one of these Eagle County communities, or between them? This is your local guide.
| Town or CDP | Type | People | Median household income | Median gross rent | Miles from center |
|---|---|---|---|---|---|
| Edwards | CDP | 10,785 | $81,909 | $1,845 | 4 mi |
| Gypsum | town | 8,941 | $115,564 | $2,183 | 14 mi |
| Eagle | town | 7,442 | $110,398 | $1,820 | 7 mi |
| Avon | town | 5,972 | $89,027 | $2,192 | 10 mi |
| Vail | town | 4,613 | $98,893 | $1,606 | 18 mi |
| El Jebel | CDP | 2,941 | $103,042 | $3,216 | 26 mi |
| Dotsero | CDP | 1,306 | $84,439 | n/a | 19 mi |
| Minturn | town | 993 | $111,944 | $2,104 | 18 mi |
| Red Cliff | town | 308 | $72,125 | $1,239 | 19 mi |
| Fulford | CDP | 0 | n/a | n/a | 8 mi |
| McCoy | CDP | 0 | n/a | n/a | 20 mi |
| Wolcott | CDP | 0 | n/a | n/a | 5 mi |
A CDP is a named community without its own municipal government.
Neighboring counties at a glance
Nearest neighbors first, measured between county centers (30 to 61 miles). Summit County leads the group on income ($109,773), Grand County trails ($88,612), and Eagle County out-earns 4 of the six.
| Nearby county | Center to center | Household income | Gross rent | Owner-occupied |
|---|---|---|---|---|
| Eagle County | - | $104,096 | $2,019/mo | 66% |
| Summit County, CO | 30 mi | $109,773 | $1,928/mo | 72% |
| Pitkin County, CO | 31 mi | $102,645 | $2,004/mo | 63% |
| Lake County, CO | 34 mi | $96,575 | $1,397/mo | 76% |
| Grand County, CO | 46 mi | $88,612 | $1,493/mo | 73% |
| Clear Creek County, CO | 55 mi | $94,577 | $1,467/mo | 82% |
| Routt County, CO | 61 mi | $106,489 | $1,917/mo | 76% |
Room for a loan payment in Eagle County
Here is the Eagle County median household run through a simple DTI check. Your numbers will differ.
- $104,096 a year is $8,675 of gross monthly income
- Rent at the median, $2,019, takes 23% of that
- With a 36% ceiling, about $1,104 remains for car, card, student and any new loan payments
- $1,711: 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.
Eagle County households compared
Degree holders: 51% of adults over 25. 10.9% of residents have no health coverage.
| Measure | Eagle County | Colorado statewide | Typical U.S. county |
|---|---|---|---|
| Median age | 39.7 | 37.7 | 41.5 |
| Bachelor's or higher | 50.9% | 45.7% | 22.2% |
| No high school diploma | 4.9% | 7.1% | n/a |
| No health insurance | 10.9% | 7.7% | 7.8% |
| No vehicle | 5.3% | 5.2% | 5.4% |
| Work from home | 12.6% | 21.0% | 8.7% |
| Poverty rate | 8.7% | 9.4% | 13.2% |
| Unemployment (ACS) | 4.7% | 4.6% | 4.4% |
| Travel time to work | Workers |
|---|---|
| Under 15 min | 37.0% |
| 15 to 29 min | 34.3% |
| 30 to 44 min | 16.4% |
| 45 to 59 min | 8.4% |
| 60+ min | 3.8% |
Borrowing situations common in Eagle County
What the Eagle County figures suggest, and what to check first:
- Uninsured care. 11% lack coverage here; nonprofit hospitals must publish an assistance policy, so ask for it first (guide).
- Strong incomes, long terms. 53% of Eagle County households earn $100,000+. The risk is a term that outlasts the need.
- Renters under pressure. When 65% pay 30% or more for rent, the smallest loan that solves the problem is the right size.
Who licenses lenders for Eagle County residents
Before sharing details with a lender, a Eagle County resident can confirm its license with the Colorado Division of Banking. Colorado also has the Colorado Attorney General's office, which administers the state's Uniform Consumer Credit Code for consumer credit. A CFPB complaint gets forwarded to the company for a response. More on Colorado: Colorado personal loans.
Before you sign
Four checks before you sign anything:
- Write down what the expense costs; a smaller loan costs less.
- Line up offers side by side: APR, fees in dollars, total cost.
- Look the lender up with the state regulator first.
- Keep a small cushion so one surprise bill does not mean another loan.
Nearby and statewide guides
The Colorado guide covers the whole state.
Frequently asked questions
What does a typical Eagle County household make?
About $104,096 a year at the median (ACS 2020-24), 9% above the Colorado median.
How much is rent in Eagle County?
Median gross rent, utilities included, is $2,019 a month; 65% of renters spend 30% or more of income on it.
Which towns does the Eagle County guide cover?
Every community in the county, unincorporated areas included. The largest of its 12 Census places: Edwards, Gypsum, Eagle, Avon, Vail.
Does my county matter to the questionnaire?
Only your state does. Whether you live in Eagle County or elsewhere in Colorado, the same rules apply.
Where can someone in Eagle County check a lender's license?
With the Colorado Division of Banking. If a lender is unlicensed or asks for a fee before funding, walk away.