1st Advantage MortgageThe median Logan County household earns $51,829, and 16% 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 Colorado before sharing details.
On this page
- Logan County by the numbers
- Housing costs in Logan County
- Household income in Logan County
- Employment and commuting in Logan County
- Cities, towns and CDPs in Logan County
- The counties around Logan County
- Logan County residents: age, schooling, coverage
- Borrowing situations common in Logan County
- A Logan County household budget, worked through
- Before you sign
- Lender oversight for Logan County
- Nearby and statewide guides
- Frequently asked questions
Logan County by the numbers
Logan County is home to about 20,892 people, according to the Census Bureau's 2020 to 2024 American Community Survey, which makes it the 25th most populous of 64 county-level areas in Colorado. Spread over 1,839 square miles, that works out to roughly 11.4 residents per square mile. No metropolitan area includes Logan County in the 2023 federal delineation, so its numbers stand on their own rather than as part of a metro. The Census Bureau counts 8 places in the county (6 incorporated, 2 census-designated); the largest is Sterling, with about 13,172 residents, or 63% of the county.
Housing costs in Logan County
Renters in Logan County pay a median of $1,013 a month, 42% below the Colorado figure of $1,761. By the Census definition, 49% of Logan County renters are cost-burdened. With a median value of $245,300, a typical Logan County house costs 4.7 times what the median household earns in a year. The ownership rate is 66%.
| Measure | Logan County | Colorado | Median U.S. county |
|---|---|---|---|
| Median gross rent | $1,013/mo | $1,761/mo | $877/mo |
| Median home value | $245,300 | $539,400 | $185,300 |
| Owners | 66% | 66% | 75% |
| Rent-burdened renters | 49% | 53% | 45% |
| Burdened owners | 32% | 30% | n/a |
| Mobile homes | 9.8% | 3.5% | n/a |
Household income in Logan County
Half of Logan County households take in less than $51,829 a year and half take in more, 46% below the Colorado median of $95,470. Only 56 Colorado counties post a higher median.
| Households earning | Logan County | +/- vs Colorado |
|---|---|---|
| Under $35,000 | 30.6% | +14.3 pts |
| $35,000 to $99,999 | 44.8% | +9.0 pts |
| $100,000 to $199,999 | 21.2% | -9.7 pts |
| $200,000 or more | 3.4% | -13.6 pts |
About 31% of households earn under $35,000, while 25% clear $100,000. The poverty rate is 15.8%, 6 points higher than the state's 9.4%. A household earning below the $51,829 median should test any payment carefully; one earning above it should still pick the shortest term it can manage.
Employment and commuting in Logan County
Education and health care employs 23% of working residents, the largest share; retail trade is next with 15%. Agriculture, forestry and mining stands out: 11% of workers here, versus 2% statewide. The survey's unemployment rate for Logan County averages 5.4% over 2020 to 2024 (state: 4.6%). Long commutes are the exception here: 8% of workers spend 45 minutes or longer getting to work. Only 6.9% of homes here go without a vehicle.
| Industry (employed residents 16+) | Logan County | Gap to Colorado |
|---|---|---|
| Education and health care | 22.8% | +0.9 pts |
| Retail trade | 14.6% | +4.4 pts |
| Agriculture, forestry and mining | 10.6% | +8.8 pts |
| Arts, lodging and food service | 10.0% | +1.0 pts |
| Public administration | 7.8% | +3.1 pts |
| Construction | 7.3% | -0.8 pts |
A lender verifies what your own job pays. The county's industry mix tells you about the local economy, not about your application.
Cities, towns and CDPs in Logan County
8 Census places fall mainly inside Logan County; the 8 biggest are below. They account for 14,831 residents, leaving about 29% of the county in unincorporated, unnamed areas. This guide covers each of the 8 places and the rural areas around them.
| Town or CDP | Type | People | Median household income | Median gross rent | Miles from center |
|---|---|---|---|---|---|
| Sterling | city | 13,172 | $43,283 | $1,031 | 9 mi |
| Fleming | town | 614 | $52,143 | $952 | 14 mi |
| Merino | town | 286 | $61,875 | $1,118 | 22 mi |
| Iliff | town | 268 | $57,500 | $1,125 | 2 mi |
| Peetz | town | 265 | $52,500 | $831 | 16 mi |
| Crook | town | 157 | $31,944 | $845 | 18 mi |
| Atwood | CDP | 62 | $40,694 | n/a | 16 mi |
| Padroni | CDP | 7 | n/a | n/a | 6 mi |
The counties around Logan County
Six nearby counties, 34 to 50 miles away by the straight-line distance between their centers. All of the six report a higher median household income than Logan County; Morgan County is highest at $73,278 and Sedgwick County lowest at $52,386. Some neighbors are in Nebraska. Lender licensing is state by state, so a loan for a Logan County resident follows Colorado rules.
| County | Distance | Median income | Median rent | Owners |
|---|---|---|---|---|
| Logan County | - | $51,829 | $1,013/mo | 66% |
| Cheyenne County, NE | 34 mi | $60,348 | $821/mo | 67% |
| Sedgwick County, CO | 40 mi | $52,386 | $774/mo | 72% |
| Phillips County, CO | 40 mi | $64,674 | $999/mo | 72% |
| Kimball County, NE | 46 mi | $56,712 | $846/mo | 75% |
| Deuel County, NE | 48 mi | $70,096 | $872/mo | 82% |
| Morgan County, CO | 50 mi | $73,278 | $1,025/mo | 67% |
Logan County residents: age, schooling, coverage
College graduates make up 20% of the adult population. The uninsured rate is 7.2%, against 7.7% for Colorado.
| Measure | Logan County | Colorado statewide | Typical U.S. county |
|---|---|---|---|
| Median age | 39.2 | 37.7 | 41.5 |
| Bachelor's or higher | 20.1% | 45.7% | 22.2% |
| No high school diploma | 10.1% | 7.1% | n/a |
| No health insurance | 7.2% | 7.7% | 7.8% |
| No vehicle | 6.9% | 5.2% | 5.4% |
| Work from home | 8.9% | 21.0% | 8.7% |
| Poverty rate | 15.8% | 9.4% | 13.2% |
| Unemployment (ACS) | 5.4% | 4.6% | 4.4% |
| Commute length | Logan County |
|---|---|
| Under 15 min | 55.1% |
| 15 to 29 min | 28.0% |
| 30 to 44 min | 8.6% |
| 45 to 59 min | 3.7% |
| 60+ min | 4.7% |
Borrowing situations common in Logan County
What the Logan County figures suggest, and what to check first:
- Rent squeeze. 49% of renters spend 30%+ of income on rent; borrow only if the loan cuts what you pay overall.
- Debt consolidation. One fixed payment can save money only if the written APR and fees beat what you pay now (guide).
- Credit reports. Pull free reports at AnnualCreditReport.com and dispute errors before applying.
A Logan County household budget, worked through
The debt-to-income ratio is the main affordability test lenders use. Applied to Logan County's medians:
- $51,829 a year is $4,319 of gross monthly income
- 23% goes to median rent ($1,013)
- Under a 36% cap, $1,555 total minus rent leaves $542
Two-income households and single earners in Logan County land in very different places on this math, so run it for your own budget.
Before you sign
Steps that save money for Logan County residents:
- Size the loan to the bill, not to the most a lender offers.
- Ask each lender for the APR and all fees in writing.
- A Colorado license check takes minutes; do it first.
- Pick the shortest term whose payment still fits.
Lender oversight for Logan County
Consumer lenders serving Logan County are licensed by the state, not the county; in Colorado that is the Colorado Division of Banking. Consumer lending in Colorado is also overseen by the Colorado Attorney General's office, which administers the state's Uniform Consumer Credit Code. Federal complaints: consumerfinance.gov. See the Colorado state guide for the statewide picture.
Nearby and statewide guides
The Colorado guide covers the whole state.
Frequently asked questions
What does a typical Logan County household make?
About $51,829 a year at the median (ACS 2020-24), 46% below the Colorado median.
What do renters pay in Logan County?
$1,013 a month at the median, about 23% of median household income.
I live in a small Logan County town. Is this my guide?
Yes. If your town has no city guide, this county page is the local one; it covers Sterling, Fleming, Merino, Iliff, Peetz and 3 more.
Are Logan County applicants treated differently?
No. Everyone answers the same questions and is screened on the same objective points; lending partners set their own criteria under fair-lending laws.
Who regulates personal lenders for Logan County residents?
The Colorado Division of Banking licenses consumer lenders in Colorado; the CFPB takes complaints about any lender, and the FTC wants to hear about fee-first offers.