1st Advantage MortgageSevier County households have a median income of $74,884 and median rent of $912 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
- Sevier County, UT: the basics
- How much Sevier County households make
- Rent, home values and ownership in Sevier County
- Employment and commuting in Sevier County
- Sevier County towns compared
- Sevier County and the counties next door
- Sevier County residents: age, schooling, coverage
- Reading the Sevier County data as a borrower
- Debt-to-income at Sevier County's medians
- A Sevier County borrower's checklist
- Lender oversight for Sevier County
- Nearby and statewide guides
- Frequently asked questions
Sevier County, UT: the basics
With an estimated 22,085 residents (ACS 2020 to 2024), Sevier County ranks 14th of 29 in Utah for population. Spread over 1,910 square miles, that works out to roughly 11.6 residents per square mile. It sits outside every metropolitan statistical area in the July 2023 OMB delineation. The Census Bureau counts 12 places in the county (12 incorporated, 0 census-designated); the largest is Richfield, with about 8,224 residents, or 37% of the county.
How much Sevier County households make
The median household income in Sevier County is $74,884; statewide it is $95,166, so Sevier County runs 21% below Utah as a whole.
| Yearly household income | Sevier County | Gap to Utah |
|---|---|---|
| Under $35,000 | 19.0% | +5.0 pts |
| $35,000 to $99,999 | 47.6% | +9.1 pts |
| $100,000 to $199,999 | 28.3% | -5.3 pts |
| $200,000 or more | 5.1% | -8.8 pts |
The spread is wide: 33% of Sevier County households make $100,000 or more, and 19% make less than $35,000. 9.7% of residents fall below the federal poverty line (statewide: 8.5%). Income inequality, measured by the Gini index, comes to 0.382 here. None of these numbers decides a Sevier County application. Lenders weigh your own documented income against your own debts.
Rent, home values and ownership in Sevier County
Median gross rent, utilities included, comes to $912 in Sevier County versus $1,496 statewide. 41% of renting households spend 30% or more of income on rent, and 17% spend half or more. With a median value of $311,200, a typical Sevier County house costs 4.2 times what the median household earns in a year. Owners occupy 78% of homes.
| Cost | Sevier County | Utah figure | Median county, U.S. |
|---|---|---|---|
| Median gross rent | $912/mo | $1,496/mo | $877/mo |
| Median home value | $311,200 | $489,400 | $185,300 |
| Owners | 78% | 70% | 75% |
| Rent-burdened renters | 41% | 47% | 45% |
| Burdened owners | 24% | 25% | n/a |
| Mobile homes | 8.3% | 2.9% | n/a |
| Vacant units | 15% | 8% | 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).
Employment and commuting in Sevier County
Education and health care employs 22% of working residents, the largest share; retail trade is next with 14%. The sharpest difference from the state is in agriculture, forestry and mining, at 8% locally and 1% for Utah. Averaged over the five survey years, 4.4% of the labor force was out of work and looking. Long commutes are the exception here: 8% of workers spend 45 minutes or longer getting to work. Households without a car make up 4.4% of the total (4.1% statewide).
| Industry | Share of Sevier County workers | vs Utah |
|---|---|---|
| Education and health care | 21.9% | -0.6 pts |
| Retail trade | 14.4% | +3.1 pts |
| Construction | 9.7% | +1.6 pts |
| Professional and administrative services | 8.3% | -4.8 pts |
| Transportation, warehousing and utilities | 8.3% | +3.0 pts |
| Public administration | 8.3% | +3.6 pts |
Industry shapes paperwork. Salaried and public jobs are easy to verify, while hourly, tipped, commission or contract earners in Sevier County should have bank statements and tax returns ready.
Sevier County towns compared
12 Census places fall mainly inside Sevier County; the 12 biggest are below. They account for 19,294 residents, leaving about 13% of the county in unincorporated, unnamed areas. Central Valley has the highest median household income on the list ($93,333) and Salina the lowest ($64,129), counting places with at least 500 residents. Median rent ranges from $671 in Elsinore to $1,044 in Monroe. None of the 12 has its own city guide, so this page covers all of them.
| Name | Kind | Pop. | Income | Rent | Miles |
|---|---|---|---|---|---|
| Richfield | city | 8,224 | $74,756 | $915 | 15 mi |
| Monroe | city | 2,616 | $66,172 | $1,044 | 19 mi |
| Salina | city | 2,546 | $64,129 | $753 | 14 mi |
| Aurora | city | 949 | $91,250 | $888 | 14 mi |
| Central Valley | town | 767 | $93,333 | n/a | 16 mi |
| Redmond | town | 767 | $77,083 | n/a | 18 mi |
| Elsinore | town | 750 | $70,500 | $671 | 18 mi |
| Annabella | town | 701 | $82,500 | n/a | 14 mi |
| Glenwood | town | 673 | $83,875 | $675 | 10 mi |
| Joseph | town | 559 | $89,375 | $867 | 24 mi |
| Sigurd | town | 444 | $80,357 | n/a | 12 mi |
| Koosharem | town | 298 | $77,500 | $681 | 17 mi |
Sevier County and the counties next door
Distances run center to center, from Piute County at 33 miles out to Millard County at 73. Income ranges from $48,393 in Piute County to $76,607 in Wayne County; 1 of these neighbors top Sevier County's median.
| County | Miles | Median household income | Median rent | Homeownership |
|---|---|---|---|---|
| Sevier County | - | $74,884 | $912/mo | 78% |
| Piute County, UT | 33 mi | $48,393 | $950/mo | 95% |
| Sanpete County, UT | 45 mi | $70,083 | $954/mo | 74% |
| Wayne County, UT | 56 mi | $76,607 | $884/mo | 79% |
| Emery County, UT | 61 mi | $74,291 | $739/mo | 80% |
| Garfield County, UT | 66 mi | $61,875 | $817/mo | 70% |
| Millard County, UT | 73 mi | $73,639 | $882/mo | 82% |
Sevier County residents: age, schooling, coverage
College graduates make up 23% of the adult population. 9.3% of residents have no health coverage.
| Indicator | Sevier County | All of Utah | U.S. county median |
|---|---|---|---|
| Median age | 36.8 | 32.0 | 41.5 |
| Bachelor's or higher | 22.8% | 37.7% | 22.2% |
| No high school diploma | 6.9% | 6.6% | n/a |
| No health insurance | 9.3% | 8.4% | 7.8% |
| No vehicle | 4.4% | 4.1% | 5.4% |
| Work from home | 9.9% | 17.6% | 8.7% |
| Poverty rate | 9.7% | 8.5% | 13.2% |
| Unemployment (ACS) | 4.4% | 3.6% | 4.4% |
| Trip time | Share |
|---|---|
| Under 15 min | 58.4% |
| 15 to 29 min | 27.9% |
| 30 to 44 min | 6.2% |
| 45 to 59 min | 2.3% |
| 60+ min | 5.2% |
Reading the Sevier County data as a borrower
A few patterns in the Sevier County data, and the practical point behind each:
- Credit reports. Pull free reports at AnnualCreditReport.com and dispute errors before applying.
- Getting ready. Gather pay stubs or benefit letters before you apply (checklist).
- Combining balances. It helps when total cost falls and the cards stay paid down (consolidation).
Debt-to-income at Sevier County's medians
Lenders compare monthly debt payments with gross monthly income, the debt-to-income ratio. For a Sevier County household at the medians it works out like this; treat it as an illustration only.
- Monthly gross at the median, Sevier County: $6,240
- Median rent: $912, or 15 cents of every gross dollar
- With a 36% ceiling, about $1,335 remains for car, card, student and any new loan payments
- 43% debt-to-income limit: $1,771 left for all other debt payments
Two-income households and single earners in Sevier County land in very different places on this math, so run it for your own budget.
A Sevier County borrower's checklist
Steps that save money for Sevier 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.
- A Utah license check takes minutes; do it first.
- Keep a small cushion so one surprise bill does not mean another loan.
Lender oversight for Sevier County
Licensing happens at the state level, so a lender working with Sevier County borrowers answers to the Utah Department of Financial Institutions. Problems with a lender can also go to the CFPB. See the Utah state guide for the statewide picture.
Nearby and statewide guides
The Utah guide covers the whole state.
Frequently asked questions
What does a typical Sevier County household make?
About $74,884 a year at the median (ACS 2020-24), 21% below the Utah median.
Is Sevier County expensive for renters?
Median rent is $912 against $1,496 statewide, and 41% of renter households are cost-burdened.
What are the biggest places in Sevier County?
By population: Richfield, Monroe, Salina, Aurora, Central Valley. The county has 12 Census places in all.
Are Sevier 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 Sevier County residents?
The Utah Department of Financial Institutions licenses consumer lenders in Utah; the CFPB takes complaints about any lender, and the FTC wants to hear about fee-first offers.