1st Advantage MortgageWeld County households have a median income of $97,097 and median rent of $1,539 a month (ACS 2020 to 2024). Those figures describe the county, not you: compare at least three written offers by APR and total cost, and confirm the lender's license before you apply.
On this page
- Weld County, CO: the basics
- Household income in Weld County
- Rent, home values and ownership in Weld County
- Jobs and commutes in Weld County
- Weld County towns compared
- Weld County and the counties next door
- Weld County residents: age, schooling, coverage
- Local borrowing considerations for Weld County
- Room for a loan payment in Weld County
- Four steps for Weld County borrowers
- Licensing and complaints for Weld County
- Nearby and statewide guides
- Frequently asked questions
Weld County, CO: the basics
With an estimated 350,396 residents (ACS 2020 to 2024), Weld County ranks 8th of 64 in Colorado for population. It covers 3,985 square miles of land, or about 88 people per square mile. The federal metro definitions (OMB, July 2023) place it in the Greeley, CO metropolitan area. Of the 27 Census places inside Weld County, Greeley leads by population with about 110,806; 25 of the 27 are incorporated.
Household income in Weld County
The median household income in Weld County is $97,097; statewide it is $95,470, so Weld County runs 2% above Colorado as a whole. That places it 12th among Colorado's 64 county-level areas.
| Income band | Share in Weld County | Difference from Colorado |
|---|---|---|
| Under $35,000 | 15.5% | -0.9 pts |
| $35,000 to $99,999 | 36.1% | +0.2 pts |
| $100,000 to $199,999 | 35.1% | +4.3 pts |
| $200,000 or more | 13.3% | -3.7 pts |
The spread is wide: 48% of Weld County households make $100,000 or more, and 16% make less than $35,000. 9.6% of residents fall below the federal poverty line (statewide: 9.4%). The Gini index of income inequality is 0.421 (0 is perfect equality). A household earning below the $97,097 median should test any payment carefully; one earning above it should still pick the shortest term it can manage.
Rent, home values and ownership in Weld County
A typical Weld County rental runs $1,539 a month including utilities, which is 13% below Colorado. 55% of renting households spend 30% or more of income on rent, and 27% spend half or more. The median owner-occupied home is valued at $471,700, about 4.9 times the median household income. Owners occupy 76% of homes. The median year built is 2001.
| Home costs | Weld County | Colorado | U.S. middle county |
|---|---|---|---|
| Median gross rent | $1,539/mo | $1,761/mo | $877/mo |
| Median home value | $471,700 | $539,400 | $185,300 |
| Owners | 76% | 66% | 75% |
| Rent-burdened renters | 55% | 53% | 45% |
| Burdened owners | 33% | 30% | n/a |
| Vacant units | 4% | 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). High rent burdens leave little slack. If you are borrowing to consolidate, make sure the new payment is lower than the ones it replaces.
Jobs and commutes in Weld County
By the Census industry count, 21% of employed Weld County residents work in education and health care and 12% in professional and administrative services. Manufacturing stands out: 10% of workers here, versus 7% statewide. The survey's unemployment rate for Weld County averages 4.8% over 2020 to 2024 (state: 4.6%). Long commutes are common here: 20% of workers spend 45 minutes or longer getting to work. Only 3.6% of homes here go without a vehicle.
| Sector | Weld County | Compared with Colorado |
|---|---|---|
| Education and health care | 20.9% | -0.9 pts |
| Professional and administrative services | 11.9% | -3.6 pts |
| Manufacturing | 10.5% | +3.5 pts |
| Retail trade | 10.4% | +0.2 pts |
| Construction | 10.0% | +2.0 pts |
| Arts, lodging and food service | 7.9% | -1.1 pts |
Industry shapes paperwork. Salaried and public jobs are easy to verify, while hourly, tipped, commission or contract earners in Weld County should have bank statements and tax returns ready.
Weld County towns compared
Here are the 14 most populous of the county's 27 Census places, with income and rent from the same 2020 to 2024 survey. About 86% of Weld County residents live in one of the 27. Frederick has the highest median household income on the list ($129,460) and Pierce the lowest ($61,250), counting places with at least 500 residents. No Weld County place has a separate guide yet; this county page serves all 27.
| Town or CDP | Type | People | Median household income | Median gross rent | Miles from center |
|---|---|---|---|---|---|
| Greeley | city | 110,806 | $69,881 | $1,388 | 23 mi |
| Windsor | town | 37,914 | $127,028 | $1,793 | 28 mi |
| Evans | city | 22,396 | $75,563 | $1,582 | 24 mi |
| Johnstown | town | 18,883 | $128,995 | $1,835 | 33 mi |
| Firestone | town | 18,049 | $120,150 | $2,009 | 41 mi |
| Frederick | town | 16,651 | $129,460 | $2,381 | 44 mi |
| Berthoud | town | 12,411 | $119,385 | $1,795 | 36 mi |
| Severance | town | 10,130 | $124,572 | $2,569 | 25 mi |
| Fort Lupton | city | 8,897 | $80,889 | $1,251 | 39 mi |
| Milliken | town | 8,871 | $107,500 | $2,102 | 30 mi |
| Dacono | city | 6,530 | $104,559 | $1,827 | 45 mi |
| Mead | town | 5,919 | $125,357 | $1,275 | 39 mi |
| Eaton | town | 5,867 | $106,294 | $1,707 | 17 mi |
| La Salle | town | 3,061 | $95,833 | $1,559 | 22 mi |
Weld County and the counties next door
Six nearby counties, 36 to 58 miles away by the straight-line distance between their centers. Income ranges from $56,712 in Kimball County to $123,874 in Broomfield County; 1 of these neighbors top Weld County's median. Some neighbors are in Nebraska and Wyoming. Lender licensing is state by state, so a loan for a Weld County resident follows Colorado rules.
| Nearby county | Center to center | Household income | Gross rent | Owner-occupied |
|---|---|---|---|---|
| Weld County | - | $97,097 | $1,539/mo | 76% |
| Morgan County, CO | 36 mi | $73,278 | $1,025/mo | 67% |
| Adams County, CO | 47 mi | $94,571 | $1,781/mo | 69% |
| Laramie County, WY | 53 mi | $80,173 | $1,160/mo | 71% |
| Broomfield County, CO | 54 mi | $123,874 | $2,126/mo | 63% |
| Kimball County, NE | 57 mi | $56,712 | $846/mo | 75% |
| Larimer County, CO | 58 mi | $93,765 | $1,716/mo | 64% |
Weld County residents: age, schooling, coverage
College graduates make up 33% of the adult population. 8.0% of residents have no health coverage.
| Measure | Weld County | Colorado statewide | Typical U.S. county |
|---|---|---|---|
| Median age | 35.3 | 37.7 | 41.5 |
| Bachelor's or higher | 33.2% | 45.7% | 22.2% |
| No high school diploma | 11.3% | 7.1% | n/a |
| No health insurance | 8.0% | 7.7% | 7.8% |
| No vehicle | 3.6% | 5.2% | 5.4% |
| Work from home | 14.3% | 21.0% | 8.7% |
| Poverty rate | 9.6% | 9.4% | 13.2% |
| Unemployment (ACS) | 4.8% | 4.6% | 4.4% |
| Minutes to work | Weld County workers |
|---|---|
| Under 15 min | 25.1% |
| 15 to 29 min | 32.9% |
| 30 to 44 min | 22.4% |
| 45 to 59 min | 8.8% |
| 60+ min | 10.8% |
Local borrowing considerations for Weld County
A few patterns in the Weld County data, and the practical point behind each:
- Keeping the car running. At 20% with long commutes, repairs are a frequent Weld County emergency; first decide if the car is worth fixing.
- Six-figure budgets. For the 48% earning $100,000 or more, lifestyle creep, not approval, is the usual problem.
- Rent squeeze. 55% of renters spend 30%+ of income on rent; borrow only if the loan cuts what you pay overall.
Room for a loan payment in Weld County
The debt-to-income ratio is the main affordability test lenders use. Applied to Weld County's medians:
- Monthly gross at the median, Weld County: $8,091
- Less median rent of $1,539, which is 19% of it
- With a 43% ceiling, about $1,940 remains for car, card, student and any new loan payments
If your rent is above $1,539, the room shrinks dollar for dollar.
Four steps for Weld County borrowers
Four checks before you sign anything:
- Get a written quote for whatever you are paying for in Weld County.
- Compare the total repaid on every offer, not just the payment.
- A Colorado license check takes minutes; do it first.
- Ask a Weld County credit union about member loans.
Licensing and complaints for Weld County
The Colorado Division of Banking is the place to verify any lender's Colorado license. The Colorado Attorney General's office, which administers the state's Uniform Consumer Credit Code handles consumer-credit questions as well. Problems with a lender can also go to the CFPB. See the Colorado state guide for the statewide picture.
Nearby and statewide guides
For statewide rules and data, see the Colorado guide.
Frequently asked questions
How much do households in Weld County earn?
The median is $97,097; 48% earn $100,000 or more and 16% under $35,000. A lender uses your own documented income, not this figure.
How much is rent in Weld County?
Median gross rent, utilities included, is $1,539 a month; 55% of renters spend 30% or more of income on it.
Which towns does the Weld County guide cover?
Every community in the county, unincorporated areas included. The largest of its 27 Census places: Greeley, Windsor, Evans, Johnstown, Firestone.
Can Weld County residents use the questionnaire?
Yes. It asks the same questions in every Colorado county, lists every requirement up front and does not affect your credit score.
Where can someone in Weld County check a lender's license?
With the Colorado Division of Banking. If a lender is unlicensed or asks for a fee before funding, walk away.