1st Advantage MortgageIn Sedgwick County, Colorado, the typical household earns $52,386 a year and the typical rent is $774. 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
- Getting oriented in Sedgwick County
- Income in Sedgwick County compared with Colorado
- Work, industries and travel time in Sedgwick County
- Renting and owning in Sedgwick County
- The counties around Sedgwick County
- Cities, towns and CDPs in Sedgwick County
- More Sedgwick County figures
- What the numbers mean for Sedgwick County borrowers
- Budget math at the Sedgwick County median
- Colorado rules that apply in Sedgwick County
- Four steps for Sedgwick County borrowers
- Related local guides
- Frequently asked questions
Getting oriented in Sedgwick County
Roughly 2,304 residents live in Sedgwick County, Colorado, 58th by population among the state's 64 counties and county equivalents. It covers 548 square miles of land, or about 4 people per square mile. No metropolitan area includes Sedgwick County in the 2023 federal delineation, so its numbers stand on their own rather than as part of a metro. The Census Bureau counts 3 places in the county (3 incorporated, 0 census-designated); the largest is Julesburg, with about 1,181 residents, or 51% of the county. Because Sedgwick County is small, the survey's margins of error are wide; treat the numbers as approximate.
Income in Sedgwick County compared with Colorado
At $52,386, the typical Sedgwick County household income is 20% below the median U.S. county ($65,681). In the state ranking that is 55th of 64.
| Band | Sedgwick County | Compared with Colorado |
|---|---|---|
| Under $35,000 | 34.1% | +17.7 pts |
| $35,000 to $99,999 | 41.2% | +5.4 pts |
| $100,000 to $199,999 | 20.6% | -10.2 pts |
| $200,000 or more | 4.1% | -12.9 pts |
About 34% of households earn under $35,000, while 25% clear $100,000. 13.0% of residents fall below the federal poverty line (statewide: 9.4%). The Gini index of income inequality is 0.442 (0 is perfect equality). For a borrower in Sedgwick 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.
Work, industries and travel time in Sedgwick County
Education and health care employs 21% of working residents, the largest share; retail trade is next with 11%. The sharpest difference from the state is in agriculture, forestry and mining, at 7% locally and 2% for Colorado. ACS puts five-year average unemployment at 2.9% in Sedgwick County. 10% of commuters travel 45 minutes or more each way, and 4% work from home. 4.5% of households have no vehicle.
| Industry | Share of Sedgwick County workers | vs Colorado |
|---|---|---|
| Education and health care | 21.1% | -0.7 pts |
| Retail trade | 11.3% | +1.1 pts |
| Construction | 10.0% | +1.9 pts |
| Arts, lodging and food service | 9.9% | +0.8 pts |
| Agriculture, forestry and mining | 7.4% | +5.7 pts |
| Public administration | 7.4% | +2.7 pts |
Shorter commutes usually mean lower vehicle costs, which can leave more room for a payment, or for paying a loan off early.
Renting and owning in Sedgwick County
A typical Sedgwick County rental runs $774 a month including utilities, which is 56% below Colorado. Rent takes 30% or more of income for 58% of renter households here. Home values center on $149,000, or 2.8 years of median income. 72% of Sedgwick County households own their home and 28% rent. The median home was built in 1954, so roofs, wiring and heating systems are a common source of repair bills.
| Cost | Sedgwick County | Colorado figure | Median county, U.S. |
|---|---|---|---|
| Median gross rent | $774/mo | $1,761/mo | $877/mo |
| Median home value | $149,000 | $539,400 | $185,300 |
| Owners | 72% | 66% | 75% |
| Rent-burdened renters | 58% | 53% | 45% |
| Burdened owners | 31% | 30% | n/a |
Rent pressure is real here, so run any payment through the debt-to-income calculator before you apply.
The counties around Sedgwick County
Nearest neighbors first, measured between county centers (17 to 42 miles). Perkins County leads the group on income ($72,778), Logan County trails ($51,829), and Sedgwick County out-earns 1 of the six. The list crosses into Nebraska, where different lending rules and regulators apply.
| Nearby county | Center to center | Household income | Gross rent | Owner-occupied |
|---|---|---|---|---|
| Sedgwick County | - | $52,386 | $774/mo | 72% |
| Deuel County, NE | 17 mi | $70,096 | $872/mo | 82% |
| Phillips County, CO | 19 mi | $64,674 | $999/mo | 72% |
| Perkins County, NE | 38 mi | $72,778 | $922/mo | 79% |
| Logan County, CO | 40 mi | $51,829 | $1,013/mo | 66% |
| Cheyenne County, NE | 42 mi | $60,348 | $821/mo | 67% |
| Chase County, NE | 42 mi | $68,173 | $800/mo | 79% |
Cities, towns and CDPs in Sedgwick County
The table lists the 3 largest of 3 Census places in Sedgwick County, by population. Together all 3 hold about 1,847 people, so roughly 20% of residents live outside any named place. This guide covers each of the 3 places and the rural areas around them.
| Place in county | Status | Population (ACS) | Median HH income | Monthly rent | Distance from center |
|---|---|---|---|---|---|
| Julesburg | town | 1,181 | $43,500 | $760 | 9 mi |
| Ovid | town | 468 | $44,375 | $906 | 6 mi |
| Sedgwick | town | 198 | $53,750 | n/a | 10 mi |
More Sedgwick County figures
College graduates make up 27% of the adult population. About 10% go without health insurance.
| Sedgwick County | Colorado | U.S. county median | |
|---|---|---|---|
| Median age | 42.6 | 37.7 | 41.5 |
| Bachelor's or higher | 27.2% | 45.7% | 22.2% |
| No high school diploma | 4.8% | 7.1% | n/a |
| No health insurance | 10.0% | 7.7% | 7.8% |
| No vehicle | 4.5% | 5.2% | 5.4% |
| Work from home | 3.7% | 21.0% | 8.7% |
| Poverty rate | 13.0% | 9.4% | 13.2% |
| Unemployment (ACS) | 2.9% | 4.6% | 4.4% |
| Travel time to work | Workers |
|---|---|
| Under 15 min | 54.4% |
| 15 to 29 min | 25.6% |
| 30 to 44 min | 10.5% |
| 45 to 59 min | 4.7% |
| 60+ min | 4.8% |
What the numbers mean for Sedgwick County borrowers
A few patterns in the Sedgwick County data, and the practical point behind each:
- Hospital bills in Sedgwick County. For the 10% of residents without coverage, the provider's charity-care program comes before any loan (details).
- Tight rental budgets. With 58% of Sedgwick County renters cost-burdened, test a new payment against a lean month.
- Combining balances. It helps when total cost falls and the cards stay paid down (consolidation).
Budget math at the Sedgwick County median
Lenders compare monthly debt payments with gross monthly income, the debt-to-income ratio. For a Sedgwick County household at the medians it works out like this; treat it as an illustration only.
- Median income divided by twelve: $4,366 before taxes
- Less median rent of $774, which is 18% of it
- 36% debt-to-income limit: $798 left for all other debt payments
- Under a 43% cap, $1,877 total minus rent leaves $1,103
Subtract what you already pay on other debts. A new payment should fit in what remains, with some to spare.
Colorado rules that apply in Sedgwick County
Licensing happens at the state level, so a lender working with Sedgwick County borrowers answers to the Colorado Division of Banking. Colorado also has the Colorado Attorney General's office, which administers the state's Uniform Consumer Credit Code for consumer credit. A CFPB complaint gets forwarded to the company for a response. More on Colorado: Colorado personal loans.
Four steps for Sedgwick County borrowers
Steps that save money for Sedgwick County residents:
- Size the loan to the bill, not to the most a lender offers.
- Compare the total repaid on every offer, not just the payment.
- Only work with lenders licensed for Colorado borrowers.
- Never pay a fee up front to get a loan.
Related local guides
The Colorado guide covers the whole state.
Frequently asked questions
What is the median household income in Sedgwick County?
$52,386 a year in the 2020 to 2024 Census survey, versus $95,470 for Colorado. It ranks 55th of 64 in the state.
What do renters pay in Sedgwick County?
$774 a month at the median, about 18% of median household income.
I live in a small Sedgwick County town. Is this my guide?
Yes. If your town has no city guide, this county page is the local one; it covers Julesburg, Ovid, Sedgwick.
Will a Sedgwick County address affect my match?
Beyond confirming Colorado as your state, no. Your answers about amount, credit, income and payments are all that count.
Who regulates personal lenders for Sedgwick 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.