1st Advantage MortgageMorgan County households have a median income of $130,929 and median rent of $1,492 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 Utah license first.
On this page
- Morgan County by the numbers
- Work, industries and travel time in Morgan County
- Household income in Morgan County
- What it costs to live in Morgan County
- The counties around Morgan County
- Places inside Morgan County
- Budget math at the Morgan County median
- More Morgan County figures
- Before borrowing in Morgan County
- Before you sign
- Who licenses lenders for Morgan County residents
- Related local guides
- Frequently asked questions
Morgan County by the numbers
With an estimated 12,802 residents (ACS 2020 to 2024), Morgan County ranks 19th of 29 in Utah for population. Land area is 609 square miles (2024 Gazetteer), so density runs near 21 per square mile. For statistical purposes it belongs to the Ogden, UT metro area, as delineated by the Office of Management and Budget in July 2023. Of the 3 Census places inside Morgan County, Morgan leads by population with about 4,409; 1 of the 3 are incorporated.
Work, industries and travel time in Morgan County
Education and health care employs 22% of working residents, the largest share; manufacturing is next with 11%. Compared with Utah, the county leans toward public administration (9% against 5%). The survey's unemployment rate for Morgan County averages 2.3% over 2020 to 2024 (state: 3.6%). About 73% drive to work alone and 13% have trips of 45 minutes or more. Households without a car make up 0.3% of the total (4.1% statewide).
| Industry (employed residents 16+) | Morgan County | Gap to Utah |
|---|---|---|
| Education and health care | 21.9% | -0.6 pts |
| Manufacturing | 11.2% | +1.0 pts |
| Retail trade | 10.9% | -0.4 pts |
| Professional and administrative services | 9.8% | -3.3 pts |
| Construction | 9.4% | +1.4 pts |
| Public administration | 8.6% | +3.9 pts |
If your hours swing with the season or with overtime, size a loan payment against your base pay, not your best month.
Household income in Morgan County
Half of Morgan County households take in less than $130,929 a year and half take in more, 38% above the Utah median of $95,166.
| Band | Morgan County | Compared with Utah |
|---|---|---|
| Under $35,000 | 3.4% | -10.6 pts |
| $35,000 to $99,999 | 30.7% | -7.8 pts |
| $100,000 to $199,999 | 45.4% | +11.9 pts |
| $200,000 or more | 20.5% | +6.6 pts |
Some 3% of households here live on less than $35,000 a year; 66% have six-figure incomes. Census counts 1.4% of Morgan County residents in poverty, against 8.5% across Utah. If your income is irregular, as it often is with tips, gig work or seasonal jobs, plan around your leaner months rather than the Morgan County median.
What it costs to live in Morgan County
A typical Morgan County rental runs $1,492 a month including utilities. By the Census definition, 23% of Morgan County renters are cost-burdened. Home values center on $654,900, or 5.0 years of median income. 89% of Morgan County households own their home and 11% rent. Half the housing stock was built before 1997.
| Morgan County | Utah | U.S. county median | |
|---|---|---|---|
| Median gross rent | $1,492/mo | $1,496/mo | $877/mo |
| Median home value | $654,900 | $489,400 | $185,300 |
| Owners | 89% | 70% | 75% |
| Rent-burdened renters | 23% | 47% | 45% |
| Burdened owners | 28% | 25% | n/a |
| Mobile homes | 0.2% | 2.9% | 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).
The counties around Morgan County
Six nearby counties, 20 to 45 miles away by the straight-line distance between their centers. Summit County leads the group on income ($138,114), Rich County trails ($79,009), and Morgan County out-earns 5 of the six.
| Nearby county | Center to center | Household income | Gross rent | Owner-occupied |
|---|---|---|---|---|
| Morgan County | - | $130,929 | $1,492/mo | 89% |
| Weber County, UT | 20 mi | $90,005 | $1,379/mo | 74% |
| Davis County, UT | 33 mi | $110,884 | $1,621/mo | 77% |
| Salt Lake County, UT | 34 mi | $97,494 | $1,592/mo | 66% |
| Summit County, UT | 35 mi | $138,114 | $1,987/mo | 80% |
| Rich County, UT | 41 mi | $79,009 | $760/mo | 85% |
| Cache County, UT | 45 mi | $81,665 | $1,213/mo | 64% |
Places inside Morgan County
3 Census places fall mainly inside Morgan County; the 3 biggest are below. They account for 8,945 residents, leaving about 30% of the county in unincorporated, unnamed areas. Incomes vary by place: $150,313 at the median in Mountain Green, $115,735 in Morgan. Live in one of these Morgan County communities, or between them? This is your local guide.
| Community | Type | Residents | Household income (median) | Rent (median) | Distance |
|---|---|---|---|---|---|
| Morgan | city | 4,409 | $115,735 | $1,537 | 6 mi |
| Mountain Green | CDP | 3,976 | $150,313 | $1,423 | 12 mi |
| Enterprise | CDP | 560 | $148,105 | n/a | 8 mi |
Budget math at the Morgan County median
How much room does a median Morgan County budget have? Take median income, subtract median rent, and check what is left under a few common debt-to-income limits.
- Start: $10,911 gross per month ($130,929 / 12)
- Median rent: $1,492, or 14 cents of every gross dollar
- 36% debt-to-income limit: $2,436 left for all other debt payments
- Under a 43% cap, $4,692 total minus rent leaves $3,200
Subtract what you already pay on other debts. A new payment should fit in what remains, with some to spare.
More Morgan County figures
38% of Morgan County adults 25 and older hold a bachelor's degree or more. The uninsured rate is 4.8%, against 8.4% for Utah.
| Morgan County | Utah | U.S. county median | |
|---|---|---|---|
| Median age | 33.3 | 32.0 | 41.5 |
| Bachelor's or higher | 38.4% | 37.7% | 22.2% |
| No high school diploma | 2.2% | 6.6% | n/a |
| No health insurance | 4.8% | 8.4% | 7.8% |
| No vehicle | 0.3% | 4.1% | 5.4% |
| Work from home | 13.7% | 17.6% | 8.7% |
| Poverty rate | 1.4% | 8.5% | 13.2% |
| Unemployment (ACS) | 2.3% | 3.6% | 4.4% |
| One-way commute | Share of Morgan County workers |
|---|---|
| Under 15 min | 28.0% |
| 15 to 29 min | 31.6% |
| 30 to 44 min | 27.0% |
| 45 to 59 min | 9.9% |
| 60+ min | 3.5% |
Before borrowing in Morgan County
Where the Morgan County numbers stand out, and why it matters for a loan:
- Six-figure budgets. For the 66% earning $100,000 or more, lifestyle creep, not approval, is the usual problem.
- 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.
Before you sign
Before you apply, wherever you live in Morgan County:
- Get a written quote for whatever you are paying for in Morgan County.
- Prequalify with soft pulls where offered, then compare in writing.
- Look the lender up with the state regulator first.
- Pick the shortest term whose payment still fits.
Who licenses lenders for Morgan County residents
Morgan County borrowers fall under statewide rules, enforced by the Utah Department of Financial Institutions. Federal complaints: consumerfinance.gov. Statewide data and rules: Utah guide.
Related local guides
For statewide rules and data, see the Utah guide.
Frequently asked questions
What is the median household income in Morgan County?
$130,929 a year in the 2020 to 2024 Census survey, versus $95,166 for Utah. It ranks 2nd of 29 in the state.
What do renters pay in Morgan County?
$1,492 a month at the median, about 14% of median household income.
I live in a small Morgan County town. Is this my guide?
Yes. If your town has no city guide, this county page is the local one; it covers Morgan, Mountain Green, Enterprise.
Are Morgan 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.
Where can someone in Morgan 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.