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Utah

Tooele County, UT personal loans: what the local numbers say

By the Personal Loan Compare editorial team · Last reviewed and updated October 28, 2026 · How we write and check

Short answer

Tooele County households have a median income of $106,587 and median rent of $1,189 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
  1. Tooele County by the numbers
  2. Work, industries and travel time in Tooele County
  3. Income in Tooele County compared with Utah
  4. Tooele County housing compared with Utah
  5. Cities, towns and CDPs in Tooele County
  6. How Tooele County compares with nearby counties
  7. A Tooele County household budget, worked through
  8. More Tooele County figures
  9. Borrowing situations common in Tooele County
  10. Licensing and complaints for Tooele County
  11. Checklist for Tooele County applicants
  12. Nearby and statewide guides
  13. Frequently asked questions

Tooele County by the numbers

79,347Population (ACS 2020-24)
$106,587Median household income
$1,189/moMedian gross rent
$431,600Median home value
82%Owner-occupied homes
5%Below the poverty line
7,040 sq miLand area
32.2Median age

Roughly 79,347 residents live in Tooele County, Utah, 7th by population among the state's 29 counties and county equivalents. Land area is 7,040 square miles (2024 Gazetteer), so density runs near 11 per square mile. The federal metro definitions (OMB, July 2023) place it in the Salt Lake City-Murray, UT metropolitan area. Of the 10 Census places inside Tooele County, Tooele leads by population with about 38,405; 7 of the 10 are incorporated.

Work, industries and travel time in Tooele County

Education and health care employs 18% of working residents, the largest share; retail trade is next with 12%. The sharpest difference from the state is in transportation, warehousing and utilities, at 9% locally and 5% for Utah. The survey's unemployment rate for Tooele County averages 3.6% over 2020 to 2024 (state: 3.6%). 27% of commuters travel 45 minutes or more each way, and 16% work from home. 3.1% of households have no vehicle.

Where residents workTooele CountyDifference from Utah
Education and health care18.3%-4.2 pts
Retail trade12.2%+0.9 pts
Manufacturing11.6%+1.4 pts
Professional and administrative services10.4%-2.7 pts
Construction9.7%+1.7 pts
Transportation, warehousing and utilities9.2%+3.8 pts

If your hours swing with the season or with overtime, size a loan payment against your base pay, not your best month.

Income in Tooele County compared with Utah

Tooele County households have a median income of $106,587 (ACS 2020 to 2024), which ranks 5th of 29 in Utah.

Households earningTooele County+/- vs Utah
Under $35,00010.4%-3.6 pts
$35,000 to $99,99935.7%-2.9 pts
$100,000 to $199,99942.0%+8.5 pts
$200,000 or more11.9%-2.0 pts

About 10% of households earn under $35,000, while 54% clear $100,000. The poverty rate is 5.2%, 3 points lower than the state's 8.5%. Income inequality, measured by the Gini index, comes to 0.373 here. Income from any regular source can count, including Social Security, pensions and disability benefits, as long as you can document it.

Tooele County housing compared with Utah

A typical Tooele County rental runs $1,189 a month including utilities, which is 21% below Utah. Rent takes 30% or more of income for 38% of renter households here. The median owner-occupied home is valued at $431,600, about 4.0 times the median household income. The ownership rate is 82%. The median year built is 1998.

Tooele CountyUtahU.S. county median
Median gross rent$1,189/mo$1,496/mo$877/mo
Median home value$431,600$489,400$185,300
Owners82%70%75%
Rent-burdened renters38%47%45%
Burdened owners20%25%n/a
Vacant units4%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).

Cities, towns and CDPs in Tooele County

10 Census places fall mainly inside Tooele County; the 10 biggest are below. They account for 71,179 residents, leaving about 10% of the county in unincorporated, unnamed areas. Erda has the highest median household income on the list ($148,676) and Wendover the lowest ($44,173), counting places with at least 500 residents. Rent is cheapest in Wendover ($675) and steepest in Erda ($1,808). Live in one of these Tooele County communities, or between them? This is your local guide.

NameKindPop.IncomeRentMiles
Tooelecity38,405$96,221$1,21443 mi
Grantsvillecity14,341$101,349$1,16636 mi
Stansbury ParkCDP11,242$126,526$1,70744 mi
Erdacity3,881$148,676$1,80844 mi
Wendovercity1,261$44,173$67550 mi
Stocktontown901$110,625$76439 mi
Rush Valleytown458$87,188$1,10936 mi
DugwayCDP433$99,583$1,14125 mi
Vernontown257$58,917$1,29244 mi
OphirCDP0n/an/a46 mi

CDP: census-designated place, an unincorporated community mapped for statistics.

How Tooele County compares with nearby counties

The six counties whose centers lie closest to Tooele County's, from 55 to 86 miles away. Davis County leads the group on income ($110,884), Box Elder County trails ($84,550), and Tooele County out-earns 5 of the six.

CountyMilesMedian household incomeMedian rentHomeownership
Tooele County-$106,587$1,189/mo82%
Juab County, UT55 mi$101,786$907/mo84%
Davis County, UT62 mi$110,884$1,621/mo77%
Salt Lake County, UT64 mi$97,494$1,592/mo66%
Box Elder County, UT80 mi$84,550$1,116/mo76%
Utah County, UT80 mi$100,671$1,541/mo68%
Weber County, UT86 mi$90,005$1,379/mo74%

A Tooele County household budget, worked through

Tooele County at the medians, through a lender's eyes (what DTI means):

  • Median income divided by twelve: $8,882 before taxes
  • Less median rent of $1,189, which is 13% of it
  • 36% debt-to-income limit: $2,009 left for all other debt payments

Two-income households and single earners in Tooele County land in very different places on this math, so run it for your own budget.

More Tooele County figures

23% of Tooele County adults 25 and older hold a bachelor's degree or more. The uninsured rate is 6.1%, against 8.4% for Utah.

IndicatorTooele CountyAll of UtahU.S. county median
Median age32.232.041.5
Bachelor's or higher22.9%37.7%22.2%
No high school diploma7.9%6.6%n/a
No health insurance6.1%8.4%7.8%
No vehicle3.1%4.1%5.4%
Work from home15.8%17.6%8.7%
Poverty rate5.2%8.5%13.2%
Unemployment (ACS)3.6%3.6%4.4%
Trip timeShare
Under 15 min24.6%
15 to 29 min23.0%
30 to 44 min25.1%
45 to 59 min15.2%
60+ min12.1%

Borrowing situations common in Tooele County

A few patterns in the Tooele County data, and the practical point behind each:

  • Vehicle repairs. 27% of Tooele County workers commute 45+ minutes, so a breakdown can cost a paycheck. Get two written estimates.
  • Consolidation math. With 54% at six figures, card consolidation is common; it pays only if total cost falls (guide).
  • Know your credit. Review all three bureau reports for free (AnnualCreditReport.com).

Licensing and complaints for Tooele County

Before sharing details with a lender, a Tooele County resident can confirm its license with the Utah Department of Financial Institutions. Banks and credit unions have their own regulators, and the CFPB takes complaints about any lender. See the Utah state guide for the statewide picture.

Checklist for Tooele County applicants

Before you apply, wherever you live in Tooele County:

  • Write down what the expense costs; a smaller loan costs less.
  • Compare the total repaid on every offer, not just the payment.
  • Check the license, then the reviews, then the offer.
  • Confirm the first due date before setting up autopay.

Nearby and statewide guides

For statewide rules and data, see the Utah guide.

Frequently asked questions

Is Tooele County a high-income county?

Its $106,587 median ranks 5th of 29 Utah counties and compares with $65,681 for the median U.S. county.

How does Tooele County rent compare with Utah?

$1,189 locally versus $1,496 for the state, 21% below.

What are the biggest places in Tooele County?

By population: Tooele, Grantsville, Stansbury Park, Erda, Wendover. The county has 10 Census places in all.

Can Tooele County residents use the questionnaire?

Yes. It asks the same questions in every Utah county, lists every requirement up front and does not affect your credit score.

Who regulates personal lenders for Tooele 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.

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