1st Advantage MortgageIn Millard County, Utah, the typical household earns $73,639 a year and the typical rent is $882. 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
- Who lives in Millard County
- How much Millard County households make
- How Millard County residents earn a living
- Rent, home values and ownership in Millard County
- Millard County next to its neighbors
- Places inside Millard County
- Budget math at the Millard County median
- What the numbers mean for Millard County borrowers
- More Millard County figures
- Checking a lender's license in Utah
- Four steps for Millard County borrowers
- Related local guides
- Frequently asked questions
Who lives in Millard County
With an estimated 13,315 residents (ACS 2020 to 2024), Millard County ranks 18th of 29 in Utah for population. It covers 6,785 square miles of land, or about 2 people per square mile. Under the July 2023 OMB definitions, Millard County is not part of any metropolitan area. The Census Bureau counts 13 places in the county (10 incorporated, 3 census-designated); the largest is Delta, with about 3,705 residents, or 28% of the county.
How much Millard County households make
Half of Millard County households take in less than $73,639 a year and half take in more, 23% below the Utah median of $95,166. Only 20 Utah counties post a higher median.
| Household income | Millard County | vs Utah |
|---|---|---|
| Under $35,000 | 19.9% | +5.9 pts |
| $35,000 to $99,999 | 49.6% | +11.1 pts |
| $100,000 to $199,999 | 26.8% | -6.7 pts |
| $200,000 or more | 3.7% | -10.2 pts |
About 20% of households earn under $35,000, while 30% clear $100,000. The poverty rate is 7.7%, 1 point lower 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.
How Millard County residents earn a living
Education and health care employs 18% of working residents, the largest share; retail trade is next with 15%. Compared with Utah, the county leans toward agriculture, forestry and mining (11% against 1%). Averaged over the five survey years, 5.5% of the labor force was out of work and looking. 8% of commuters travel 45 minutes or more each way, and 8% work from home. 2.0% of households have no vehicle.
| Industry (employed residents 16+) | Millard County | Gap to Utah |
|---|---|---|
| Education and health care | 17.8% | -4.7 pts |
| Retail trade | 14.9% | +3.6 pts |
| Agriculture, forestry and mining | 11.3% | +9.9 pts |
| Transportation, warehousing and utilities | 11.0% | +5.7 pts |
| Manufacturing | 9.4% | -0.8 pts |
| Professional and administrative services | 7.2% | -6.0 pts |
Industry shapes paperwork. Salaried and public jobs are easy to verify, while hourly, tipped, commission or contract earners in Millard County should have bank statements and tax returns ready.
Rent, home values and ownership in Millard County
Renters in Millard County pay a median of $882 a month, 41% below the Utah figure of $1,496. 46% of renting households spend 30% or more of income on rent, and 13% spend half or more. Home values center on $284,700, or 3.9 years of median income. Owners occupy 82% of homes. Half the housing stock was built before 1974.
| Housing | Millard County | Utah statewide | Typical U.S. county |
|---|---|---|---|
| Median gross rent | $882/mo | $1,496/mo | $877/mo |
| Median home value | $284,700 | $489,400 | $185,300 |
| Owners | 82% | 70% | 75% |
| Rent-burdened renters | 46% | 47% | 45% |
| Burdened owners | 26% | 25% | n/a |
| Vacant units | 14% | 8% | n/a |
Because most Millard County households own, home repairs are a frequent reason to borrow. An unsecured personal loan leaves the house out of the deal, while a HELOC uses it as collateral.
Millard County next to its neighbors
Distances run center to center, from Beaver County at 42 miles out to Sanpete County at 88. Juab County leads the group on income ($101,786), Piute County trails ($48,393), and Millard County out-earns 3 of the six.
| Neighbor | Distance | Income | Rent | Own |
|---|---|---|---|---|
| Millard County | - | $73,639 | $882/mo | 82% |
| Beaver County, UT | 42 mi | $79,360 | $981/mo | 81% |
| Juab County, UT | 55 mi | $101,786 | $907/mo | 84% |
| Piute County, UT | 69 mi | $48,393 | $950/mo | 95% |
| Sevier County, UT | 73 mi | $74,884 | $912/mo | 78% |
| Iron County, UT | 73 mi | $66,247 | $1,065/mo | 68% |
| Sanpete County, UT | 88 mi | $70,083 | $954/mo | 74% |
Places inside Millard County
Here are the 13 most populous of the county's 13 Census places, with income and rent from the same 2020 to 2024 survey. About 80% of Millard County residents live in one of the 13. Among places of 500 or more people, median income runs from $66,442 in Fillmore to $84,844 in Hinckley. Median rent ranges from $772 in Fillmore to $1,074 in Hinckley. None of the 13 has its own city guide, so this page covers all of them.
| Town or CDP | Type | People | Median household income | Median gross rent | Miles from center |
|---|---|---|---|---|---|
| Delta | city | 3,705 | $78,506 | $1,044 | 42 mi |
| Fillmore | city | 2,676 | $66,442 | $772 | 43 mi |
| Hinckley | town | 855 | $84,844 | $1,074 | 36 mi |
| Oak City | town | 854 | $73,479 | n/a | 51 mi |
| Holden | town | 467 | $77,031 | $1,117 | 47 mi |
| Scipio | town | 466 | $75,313 | n/a | 59 mi |
| Kanosh | town | 465 | $80,357 | n/a | 39 mi |
| Leamington | town | 329 | $79,000 | n/a | 60 mi |
| Deseret | CDP | 270 | n/a | n/a | 34 mi |
| Meadow | town | 245 | $54,375 | n/a | 39 mi |
| Sutherland | CDP | 183 | n/a | n/a | 40 mi |
| Lynndyl | town | 124 | $54,688 | n/a | 55 mi |
| Oasis | CDP | 66 | n/a | n/a | 36 mi |
CDPs are unincorporated communities the Census Bureau defines for counting.
Budget math at the Millard County median
Here is the Millard County median household run through a simple DTI check. Your numbers will differ.
- $6,137 a month: gross income for a household at the Millard County median
- Rent at the median, $882, takes 14% of that
- $1,327: what a 36% ratio leaves once rent is paid
Two-income households and single earners in Millard County land in very different places on this math, so run it for your own budget.
What the numbers mean for Millard County borrowers
What the Millard County figures suggest, and what to check first:
- Hospital bills in Millard County. For the 12% of residents without coverage, the provider's charity-care program comes before any loan (details).
- Rent squeeze. 46% of renters spend 30%+ of income on rent; borrow only if the loan cuts what you pay overall.
- Fraud. Gift cards, wire transfers or fees to unlock a loan mean walk away (report it).
More Millard County figures
Degree holders: 24% of adults over 25. The uninsured rate is 11.5%, against 8.4% for Utah.
| Residents | Millard County | Utah | Middle U.S. county |
|---|---|---|---|
| Median age | 34.4 | 32.0 | 41.5 |
| Bachelor's or higher | 24.3% | 37.7% | 22.2% |
| No high school diploma | 8.3% | 6.6% | n/a |
| No health insurance | 11.5% | 8.4% | 7.8% |
| No vehicle | 2.0% | 4.1% | 5.4% |
| Work from home | 7.7% | 17.6% | 8.7% |
| Poverty rate | 7.7% | 8.5% | 13.2% |
| Unemployment (ACS) | 5.5% | 3.6% | 4.4% |
| Minutes to work | Millard County workers |
|---|---|
| Under 15 min | 54.7% |
| 15 to 29 min | 26.5% |
| 30 to 44 min | 10.7% |
| 45 to 59 min | 2.9% |
| 60+ min | 5.2% |
Checking a lender's license in Utah
Millard County borrowers fall under statewide rules, enforced by the Utah Department of Financial Institutions. A CFPB complaint gets forwarded to the company for a response. The Utah guide covers state rules in more detail.
Four steps for Millard County borrowers
A short checklist for Millard County borrowers:
- Size the loan to the bill, not to the most a lender offers.
- Shop at least three lenders, including one Millard County-area credit union.
- Verify the Utah license before giving out your Social Security number.
- Lock paid-off cards after consolidating so balances stay at zero.
Related local guides
The Utah guide covers the whole state.
Frequently asked questions
What is the median household income in Millard County?
$73,639 a year in the 2020 to 2024 Census survey, versus $95,166 for Utah. It ranks 21st of 29 in the state.
What do renters pay in Millard County?
$882 a month at the median, about 14% of median household income.
I own my home in Millard County. Personal loan or HELOC?
A HELOC uses the house as collateral; a personal loan usually does not. With 82% of homes owner-occupied here, many readers can compare both in writing.
Does this page cover Delta?
Yes, along with the other 12 Census places in Millard County, such as Fillmore, Hinckley, Oak City.
Are Millard 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.