1st Advantage MortgageIn Kane County, Utah, the typical household earns $77,092 a year and the typical rent is $1,072. 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
- Kane County, UT: the basics
- Jobs and commutes in Kane County
- Household income in Kane County
- Kane County housing compared with Utah
- Counties near Kane County
- Places inside Kane County
- Budget math at the Kane County median
- Who lives in Kane County, in numbers
- Reading the Kane County data as a borrower
- Checking a lender's license in Utah
- Steps before you apply in Kane County
- Nearby and statewide guides
- Frequently asked questions
Kane County, UT: the basics
Kane County is home to about 8,170 people, according to the Census Bureau's 2020 to 2024 American Community Survey, which makes it the 23rd most populous of 29 county-level areas in Utah. Land area is 3,994 square miles (2024 Gazetteer), so density runs near 2 per square mile. It sits outside every metropolitan statistical area in the July 2023 OMB delineation. Of the 5 Census places inside Kane County, Kanab leads by population with about 5,081; 5 of the 5 are incorporated. With so few households sampled, Kane County estimates can move a lot between releases.
Jobs and commutes in Kane County
The biggest employer of Kane County residents, by industry, is education and health care at 20% of workers, followed by other services (19%). Compared with Utah, the county leans toward other services (19% against 4%). Averaged over the five survey years, 3.7% of the labor force was out of work and looking. 7% of commuters travel 45 minutes or more each way, and 20% work from home.
| Top industries | Kane County share | +/- vs Utah |
|---|---|---|
| Education and health care | 19.9% | -2.6 pts |
| Other services | 19.0% | +14.6 pts |
| Retail trade | 9.2% | -2.2 pts |
| Arts, lodging and food service | 8.7% | +0.6 pts |
| Finance, insurance and real estate | 8.6% | +1.5 pts |
| Construction | 7.6% | -0.5 pts |
A lender verifies what your own job pays. The county's industry mix tells you about the local economy, not about your application.
Household income in Kane County
Kane County households have a median income of $77,092 (ACS 2020 to 2024), which ranks 16th of 29 in Utah.
| Yearly household income | Kane County | Gap to Utah |
|---|---|---|
| Under $35,000 | 15.4% | +1.3 pts |
| $35,000 to $99,999 | 50.3% | +11.7 pts |
| $100,000 to $199,999 | 26.7% | -6.8 pts |
| $200,000 or more | 7.6% | -6.3 pts |
The spread is wide: 34% of Kane County households make $100,000 or more, and 15% make less than $35,000. Census counts 9.5% of Kane County residents in poverty, against 8.5% across Utah. Income inequality, measured by the Gini index, comes to 0.407 here. If your income is irregular, as it often is with tips, gig work or seasonal jobs, plan around your leaner months rather than the Kane County median.
Kane County housing compared with Utah
Median gross rent, utilities included, comes to $1,072 in Kane County versus $1,496 statewide. 35% of renting households spend 30% or more of income on rent, and 13% spend half or more. Home values center on $410,900, or 5.3 years of median income. Owners occupy 80% of homes. Half the housing stock was built before 1994.
| Cost | Kane County | Utah figure | Median county, U.S. |
|---|---|---|---|
| Median gross rent | $1,072/mo | $1,496/mo | $877/mo |
| Median home value | $410,900 | $489,400 | $185,300 |
| Owners | 80% | 70% | 75% |
| Rent-burdened renters | 35% | 47% | 45% |
| Burdened owners | 29% | 25% | n/a |
| Mobile homes | 9.4% | 2.9% | n/a |
| Vacant units | 46% | 8% | 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).
Counties near Kane County
The six counties whose centers lie closest to Kane County's, from 43 to 100 miles away. 1 of the six report a higher median household income than Kane County; Washington County is highest at $80,632 and Piute County lowest at $48,393. The list crosses into Arizona, where different lending rules and regulators apply.
| County | Distance | Median income | Median rent | Owners |
|---|---|---|---|---|
| Kane County | - | $77,092 | $1,072/mo | 80% |
| Garfield County, UT | 43 mi | $61,875 | $817/mo | 70% |
| Piute County, UT | 75 mi | $48,393 | $950/mo | 95% |
| Wayne County, UT | 82 mi | $76,607 | $884/mo | 79% |
| Washington County, UT | 92 mi | $80,632 | $1,566/mo | 72% |
| Iron County, UT | 93 mi | $66,247 | $1,065/mo | 68% |
| Coconino County, AZ | 100 mi | $72,966 | $1,473/mo | 60% |
Places inside Kane County
The table lists the 5 largest of 5 Census places in Kane County, by population. Together all 5 hold about 7,139 people, so roughly 13% of residents live outside any named place. Kanab has the highest median household income on the list ($85,486) and Big Water the lowest ($48,750), counting places with at least 500 residents. No Kane County place has a separate guide yet; this county page serves all 5.
| Place in county | Status | Population (ACS) | Median HH income | Monthly rent | Distance from center |
|---|---|---|---|---|---|
| Kanab | city | 5,081 | $85,486 | $986 | 43 mi |
| Orderville | town | 803 | $82,688 | n/a | 46 mi |
| Big Water | town | 502 | $48,750 | $1,204 | 16 mi |
| Glendale | town | 493 | $50,625 | n/a | 44 mi |
| Alton | town | 260 | $71,250 | n/a | 40 mi |
Budget math at the Kane County median
The debt-to-income ratio is the main affordability test lenders use. Applied to Kane County's medians:
- $6,424 a month: gross income for a household at the Kane County median
- Rent at the median, $1,072, takes 17% of that
- Under a 36% cap, $2,313 total minus rent leaves $1,241
- 43% debt-to-income limit: $1,690 left for all other debt payments
Lenders set their own limits and look beyond the ratio. The DTI calculator uses your figures instead of Kane County's.
Who lives in Kane County, in numbers
College graduates make up 29% of the adult population. The uninsured rate is 5.3%, against 8.4% for Utah.
| Residents | Kane County | Utah | Middle U.S. county |
|---|---|---|---|
| Median age | 43.3 | 32.0 | 41.5 |
| Bachelor's or higher | 28.8% | 37.7% | 22.2% |
| No high school diploma | 6.1% | 6.6% | n/a |
| No health insurance | 5.3% | 8.4% | 7.8% |
| No vehicle | 2.9% | 4.1% | 5.4% |
| Work from home | 19.5% | 17.6% | 8.7% |
| Poverty rate | 9.5% | 8.5% | 13.2% |
| Unemployment (ACS) | 3.7% | 3.6% | 4.4% |
| Commute length | Kane County |
|---|---|
| Under 15 min | 60.3% |
| 15 to 29 min | 21.6% |
| 30 to 44 min | 11.3% |
| 45 to 59 min | 1.5% |
| 60+ min | 5.3% |
Reading the Kane County data as a borrower
A few patterns in the Kane County data, and the practical point behind each:
- Consolidating cards in Kane County. Compare the total repaid, not the monthly figure (how).
- 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).
Checking a lender's license in Utah
The Utah Department of Financial Institutions is the place to verify any lender's Utah license. Problems with a lender can also go to the CFPB. See the Utah state guide for the statewide picture.
Steps before you apply in Kane County
Quick steps for Kane County:
- Borrow the amount the job needs; extra cash adds interest.
- Line up offers side by side: APR, fees in dollars, total cost.
- Look the lender up with the state regulator first.
- Ask a Kane County credit union about member loans.
Nearby and statewide guides
The Utah guide covers the whole state.
Frequently asked questions
How much do households in Kane County earn?
The median is $77,092; 34% earn $100,000 or more and 15% under $35,000. A lender uses your own documented income, not this figure.
Is Kane County expensive for renters?
Median rent is $1,072 against $1,496 statewide, and 35% of renter households are cost-burdened.
What are the biggest places in Kane County?
By population: Kanab, Orderville, Big Water, Glendale, Alton. The county has 5 Census places in all.
Is the fit check different in Kane County?
No. It is identical everywhere, and it never looks at your neighborhood.
Who do I complain to about a lender in Kane County?
Start with the Utah Department of Financial Institutions, then the CFPB complaint portal. Keep copies of every message.