1st Advantage MortgageIn Rich County, Utah, the typical household earns $79,009 a year and the typical rent is $760. Your income, debts and credit decide what you qualify for. Get offers in writing, compare the total repaid, and never pay a fee up front.
On this page
- Rich County, UT: the basics
- How much Rich County households make
- Jobs and commutes in Rich County
- Housing costs in Rich County
- Neighboring counties at a glance
- Towns and communities in Rich County
- Rich County households compared
- Reading the Rich County data as a borrower
- What a median Rich County budget can carry
- Before you sign
- Utah rules that apply in Rich County
- Related local guides
- Frequently asked questions
Rich County, UT: the basics
With an estimated 2,631 residents (ACS 2020 to 2024), Rich County ranks 26th of 29 in Utah for population. Spread over 1,029 square miles, that works out to roughly 2.6 residents per square mile. It sits outside every metropolitan statistical area in the July 2023 OMB delineation. The Census Bureau counts 5 places in the county (4 incorporated, 1 census-designated); the largest is Randolph, with about 722 residents, or 27% of the county. Because Rich County is small, the survey's margins of error are wide; treat the numbers as approximate.
How much Rich County households make
Half of Rich County households take in less than $79,009 a year and half take in more, 17% below the Utah median of $95,166. In the state ranking that is 14th of 29.
| Band | Rich County | Compared with Utah |
|---|---|---|
| Under $35,000 | 17.3% | +3.3 pts |
| $35,000 to $99,999 | 46.8% | +8.3 pts |
| $100,000 to $199,999 | 29.0% | -4.5 pts |
| $200,000 or more | 6.8% | -7.1 pts |
The spread is wide: 36% of Rich County households make $100,000 or more, and 17% make less than $35,000. The poverty rate is 3.8%, 5 points lower than the state's 8.5%. For a borrower in Rich County, the county median is only context: a lender looks at the income you can document, so pay stubs, benefit letters or tax returns matter more than any average.
Jobs and commutes in Rich County
Education and health care employs 17% of working residents, the largest share; agriculture, forestry and mining is next with 15%. Agriculture, forestry and mining stands out: 15% of workers here, versus 1% statewide. Averaged over the five survey years, 0.0% of the labor force was out of work and looking. 17% of commuters travel 45 minutes or more each way, and 19% work from home. Only 0.0% of homes here go without a vehicle.
| Industry | Share of Rich County workers | vs Utah |
|---|---|---|
| Education and health care | 17.3% | -5.2 pts |
| Agriculture, forestry and mining | 15.0% | +13.6 pts |
| Retail trade | 11.7% | +0.3 pts |
| Other services | 11.0% | +6.7 pts |
| Construction | 9.3% | +1.2 pts |
| Professional and administrative services | 8.2% | -4.9 pts |
If your hours swing with the season or with overtime, size a loan payment against your base pay, not your best month.
Housing costs in Rich County
Renters in Rich County pay a median of $760 a month, 49% below the Utah figure of $1,496. Rent takes 30% or more of income for 19% of renter households here. With a median value of $334,600, a typical Rich County house costs 4.2 times what the median household earns in a year. The ownership rate is 85%. The median year built is 1992.
| Home costs | Rich County | Utah | U.S. middle county |
|---|---|---|---|
| Median gross rent | $760/mo | $1,496/mo | $877/mo |
| Median home value | $334,600 | $489,400 | $185,300 |
| Owners | 85% | 70% | 75% |
| Rent-burdened renters | 19% | 47% | 45% |
| Burdened owners | 27% | 25% | n/a |
| Mobile homes | 18.0% | 2.9% | n/a |
Because most Rich 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.
Neighboring counties at a glance
Cache County is closest, 27 miles from center to center; the sixth, Franklin County, is 48 miles off. Morgan County leads the group on income ($130,929), Franklin County trails ($71,950), and Rich County out-earns 2 of the six. The list crosses into Idaho, Wyoming, where different lending rules and regulators apply.
| Nearby county | Center to center | Household income | Gross rent | Owner-occupied |
|---|---|---|---|---|
| Rich County | - | $79,009 | $760/mo | 85% |
| Cache County, UT | 27 mi | $81,665 | $1,213/mo | 64% |
| Morgan County, UT | 41 mi | $130,929 | $1,492/mo | 89% |
| Weber County, UT | 41 mi | $90,005 | $1,379/mo | 74% |
| Uinta County, WY | 42 mi | $82,980 | $900/mo | 77% |
| Bear Lake County, ID | 46 mi | $75,260 | $632/mo | 90% |
| Franklin County, ID | 48 mi | $71,950 | $894/mo | 78% |
Towns and communities in Rich County
Here are the 5 most populous of the county's 5 Census places, with income and rent from the same 2020 to 2024 survey. About 82% of Rich County residents live in one of the 5. This guide covers each of the 5 places and the rural areas around them.
| Name | Kind | Pop. | Income | Rent | Miles |
|---|---|---|---|---|---|
| Randolph | town | 722 | $87,632 | $683 | 4 mi |
| Garden City | town | 608 | $51,875 | n/a | 23 mi |
| Laketown | town | 437 | $79,211 | n/a | 15 mi |
| Woodruff | town | 371 | $63,750 | n/a | 8 mi |
| Garden | CDP | 24 | n/a | n/a | 19 mi |
Rich County households compared
24% of Rich County adults 25 and older hold a bachelor's degree or more. About 7% go without health insurance.
| Residents | Rich County | Utah | Middle U.S. county |
|---|---|---|---|
| Median age | 38.1 | 32.0 | 41.5 |
| Bachelor's or higher | 24.4% | 37.7% | 22.2% |
| No high school diploma | 1.9% | 6.6% | n/a |
| No health insurance | 7.1% | 8.4% | 7.8% |
| No vehicle | 0.0% | 4.1% | 5.4% |
| Work from home | 18.9% | 17.6% | 8.7% |
| Poverty rate | 3.8% | 8.5% | 13.2% |
| Unemployment (ACS) | 0.0% | 3.6% | 4.4% |
| One-way commute | Share of Rich County workers |
|---|---|
| Under 15 min | 54.1% |
| 15 to 29 min | 17.1% |
| 30 to 44 min | 11.8% |
| 45 to 59 min | 6.6% |
| 60+ min | 10.3% |
Reading the Rich County data as a borrower
What the Rich County figures suggest, and what to check first:
- 18% mobile homes. Many are not titled as real estate, so home-equity options may not apply; an unsecured loan is the usual route.
- Getting ready. Gather pay stubs or benefit letters before you apply (checklist).
- Consolidating cards in Rich County. Compare the total repaid, not the monthly figure (how).
What a median Rich County budget can carry
Here is the Rich County median household run through a simple DTI check. Your numbers will differ.
- Monthly gross at the median, Rich County: $6,584
- Rent at the median, $760, takes 12% of that
- Under a 40% cap, $2,634 total minus rent leaves $1,874
Lenders set their own limits and look beyond the ratio. The DTI calculator uses your figures instead of Rich County's.
Before you sign
A short checklist for Rich County borrowers:
- Borrow the amount the job needs; extra cash adds interest.
- Ask each lender for the APR and all fees in writing.
- Verify the Utah license before giving out your Social Security number.
- Lock paid-off cards after consolidating so balances stay at zero.
Utah rules that apply in Rich County
The Utah Department of Financial Institutions is the place to verify any lender's Utah license. A CFPB complaint gets forwarded to the company for a response. Statewide data and rules: Utah guide.
Related local guides
The Utah guide covers the whole state.
Frequently asked questions
How much do households in Rich County earn?
The median is $79,009; 36% earn $100,000 or more and 17% under $35,000. A lender uses your own documented income, not this figure.
Is Rich County expensive for renters?
Median rent is $760 against $1,496 statewide, and 19% of renter households are cost-burdened.
I own my home in Rich County. Personal loan or HELOC?
A HELOC uses the house as collateral; a personal loan usually does not. With 85% of homes owner-occupied here, many readers can compare both in writing.
I live in a small Rich County town. Is this my guide?
Yes. If your town has no city guide, this county page is the local one; it covers Randolph, Garden City, Laketown, Woodruff, Garden.
Are Rich 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.