Utah · GEOID 49029

Morgan County

2024 ACS 5-year estimates · population 12,802 · 3,942 housing units

Median household income

$130,929

State $95,803

Median home value

$654,900

State $503,262

Median gross rent

$1,492

State $1,499

Homeownership rate

88.8%

State 70.2%

Renter cost-burden rate

23.0%

≥30% of income

Owner cost-burden rate

19.6%

≥30% of income

Homeowner vacancy

0.0%

Of owner-occupied + for-sale units

Rental vacancy

9.0%

Of renter-occupied + for-rent units

Overall vacancy

4.0%

All housing units

Price-to-income ratio

5.00

Affordable: 2.0–3.0

Section 1

Community Profile

Population, demographics, household composition, and income.

Community Data Summary

	Morgan County	Utah
Population	12,802	3,392,331
Population density (per sq. mi.)	21.01	—
Median household income	$130,929	$95,803
HUD Area Median Income (4-person, 100%)	$117,900	—
Households	3,785	—
Average household size	3.38 people	—
Owner-occupied	88.8%	70.2%
Renter-occupied	11.2%	29.8%
Race	94.0% White · 0.1% Black	0.0% White · 0.0% Black

Source: ACS 5-year 2024 (Tables DP05, S1101, DP04, S1901) and Census Gazetteer (land area); HUD FY2026 Income Limits.

Racial composition

Morgan County compared with Utah.

Source: ACS 5-year 2024, Table DP05.

Educational attainment (population 25+)

38.4% hold a bachelor's degree or higher (state: 37.7%).

Source: ACS 5-year 2024, Table S1501.

Median Household Income by Tenure

Owner-occupied vs. renter-occupied household income, county and state.

Source: ACS 5-year 2024, Table B25119.

Median Household Income by Age of Householder

Median household income by age group of householder.

Source: ACS 5-year 2024, Table B19049.

Median Household Income by Number of Earners

Median household income for families with each earner count.

Source: ACS 5-year 2024, Table S1903.

Household Size

Distribution of households by number of people.

Source: ACS 5-year 2024, Table S2501.

Income by Number of Earners

Earners	Share	Median income	Attainable monthly housing cost	Attainable home
0 earners	13.3%	$74,806	$1,870	$247,434
1 earner	20.2%	$114,875	$2,872	$396,584
2 earners	46.9%	$150,190	$3,755	$528,039
3+ earners	19.7%	$190,875	$4,772	$679,482

Attainable monthly housing cost = 30% of gross income ÷ 12. Attainable home price assumes 30% housing budget, 30-yr mortgage at 7%, 5% down.

Source: ACS 5-year 2024, Table S1903; affordability formula derived.

Households

3,785

Average size: 3.38 people

Households with children

1,573

41.6% of households

Per-capita income

$46,133

Poverty rate: 0.8%

Section 2

Residential Market Analysis

Housing stock characteristics — tenure, type, age, size, vacancy, rents.

Tenure

88.8% owner-occupied vs. state average 70.2%.

Source: ACS 5-year 2024, Table DP04.

Structure type

Single-family share 97.2% · Missing middle (2–19 units) 2.5%.

Source: ACS 5-year 2024, Table B25024.

Housing stock by decade

35.5% built before 1980 · Median structure age 1,997.00 yrs.

Source: ACS 5-year 2024, Table S2504.

Housing size mismatch

Compares the share of housing units by bedroom count against the share of households by size — a common diagnostic of housing supply/demand alignment.

Source: ACS 5-year 2024, Tables B25041 (bedrooms) and S2501 (household size).

Home value distribution

Owner-occupied homes by value bracket. Median: $654,900.

Source: ACS 5-year 2024, Table DP04.

Monthly Housing Costs

Distribution of monthly housing costs across all occupied units.

Source: ACS 5-year 2024, Table B25104.

Number of Bedrooms

Housing units by number of bedrooms.

Source: ACS 5-year 2024, Table B25041.

Median rent by bedroom

Overall median gross rent: $1,492.

Source: ACS 5-year 2024, Table B25031.

Renters by age

Number of renter householders by age bracket.

Source: ACS 5-year 2024, Table S2502.

Owners by age

Number of owner householders by age bracket.

Source: ACS 5-year 2024, Table S2502.

Vacancy composition

All 157 vacant units split into Census's seven categories. Frictional vacancy (units actively on the market) reflects healthy churn. Structural vacancy (seasonal, migrant, other) sits outside the market for year-round residents — high values change how the headline vacancy rate should be read.

Vacant units by type

For sale 0.0% · For rent 26.8% · Seasonal 12.7% · Other 60.5%.

Source: ACS 5-year 2024, Table B25004.

Frictional vs structural

26.8% of vacancy is frictional (for sale + for rent + rented/sold not yet occupied); 73.2% is structural (seasonal + migrant + other).

Source: ACS 5-year 2024, Table B25004.

Seasonal / recreational share of all housing

0.5%

20 units of 3,942 total

Housing units held for seasonal or recreational use.

"Other vacant" share of all housing

2.4%

95 units of 3,942 total

Census "Other vacant" — units off the market for reasons other than seasonal, migrant, sale, or rental.

Section 3

Workforce Housing Needs Assessment

Affordability, cost burden, and the housing options for households in the workforce income range.

Workforce range — ACS median household income

80% MHI$104,743

100% MHI$130,929

120% MHI$157,115

County-wide median from ACS 5-year estimates. A household at 100% MHI in Morgan County should be able to afford a home up to roughly — (30% housing budget, default mortgage terms).

Workforce range — HUD Area Median Income

	1-person	2-person	4-person
80% AMI	$66,050	$75,450	$94,300
100% AMI	$82,530	$94,320	$117,900
120% AMI	$99,050	$113,200	$141,500

HUD FMR Area: Ogden, UT MSA. 80% AMI uses HUD's published Section 8 Low Income Limits; 100% is HUD MFI; 120% is the standard workforce convention.

Affordability calculator

Follows the standard 30%-of-gross-income affordability rule.

Income basis Household income Interest rate % Down payment % Taxes & insurance / yr

Affordable monthly—

Affordable home price—

Renter cost burden

23.0% of renter households spend ≥30% of income on rent (1.2% spend ≥50%).

Source: ACS 5-year 2024, Table B25070.

Owner cost burden by income

19.6% of homeowners spend ≥30% of income on housing. Bars show counts of cost-burdened owners by income bracket.

Source: ACS 5-year 2024, Table B25106.

Household income — owners vs renters

Distribution of household income for owner-occupied (navy) and renter-occupied (gold) households.

Source: ACS 5-year 2024, Table B25118.

Section 4

Industry & Workforce Wages

Employment, average wages, and the housing each industry's typical earner can afford in Morgan County.

Covered employment

3,156

Across 16 sectors

Establishments

414

QCEW 2024

Avg annual pay (workforce)

$54,674

Employment-weighted across sectors

Top 10 sectors by employment

Annual average employment by NAICS 2-digit sector. Counties with fewer than five covered establishments in a sector may show suppressed totals.

Source: BLS QCEW Annual Averages, 2024.

Attainable housing by industry

Industry	Employment	Avg annual wage	Affordable home price	vs. median value	Affordable monthly rent
NAICS 23 Construction NAICS 23	735	$59,303	$189,726	−$465,174	$1,483
NAICS 61 Educational services NAICS 61	510	$42,233	$126,186	−$528,714	$1,056
NAICS 44-45 Retail trade NAICS 44-45	389	$34,479	$97,323	−$557,577	$862
NAICS 72 Accommodation and food services NAICS 72	236	$17,042	$32,417	−$622,483	$426
NAICS 31-33 Manufacturing NAICS 31-33	230	$78,617	$261,620	−$393,280	$1,965
NAICS 54 Professional, scientific, and technical services NAICS 54	208	$104,474	$357,868	−$297,032	$2,612
NAICS 71 Arts, entertainment, and recreation NAICS 71	186	$41,844	$124,738	−$530,162	$1,046
NAICS 62 Health care and social assistance NAICS 62	156	$42,870	$128,557	−$526,343	$1,072
NAICS 92 Public administration NAICS 92	140	$57,169	$181,783	−$473,117	$1,429
NAICS 42 Wholesale trade NAICS 42	127	$116,114	$401,196	−$253,704	$2,903
NAICS 48-49 Transportation and warehousing NAICS 48-49	81	$61,310	$197,197	−$457,703	$1,533
NAICS 52 Finance and insurance NAICS 52	46	$47,841	$147,061	−$507,839	$1,196
NAICS 51 Information NAICS 51	38	$58,327	$186,093	−$468,807	$1,458
NAICS 81 Other services (except public administration) NAICS 81	33	$50,988	$158,775	−$496,125	$1,275
NAICS 53 Real estate and rental and leasing NAICS 53	25	$46,114	$140,632	−$514,268	$1,153
NAICS 22 Utilities NAICS 22	16	$46,209	$140,986	−$513,914	$1,155

Subsector	Employment	Avg annual wage	Affordable home price	vs. median value	Affordable monthly rent
NAICS 238 Specialty trade contractors NAICS 238	553	$58,845	$188,022	−$466,878	$1,471
NAICS 611 Educational services NAICS 611	510	$42,233	$126,186	−$528,714	$1,056
NAICS 541 Professional, scientific, and technical services NAICS 541	208	$104,474	$357,868	−$297,032	$2,612
NAICS 236 Construction of buildings NAICS 236	135	$55,139	$174,227	−$480,673	$1,378
NAICS 423 Merchant wholesalers, durable goods NAICS 423	113	$115,963	$400,634	−$254,266	$2,899
NAICS 441 Motor vehicle and parts dealers NAICS 441	100	$56,090	$177,767	−$477,133	$1,402
NAICS 621 Ambulatory health care services NAICS 621	96	$59,308	$189,745	−$465,155	$1,483
NAICS 921 Executive, legislative, and other general government support NAICS 921	74	$43,031	$129,156	−$525,744	$1,076
NAICS 332 Fabricated metal product manufacturing NAICS 332	73	$59,963	$192,183	−$462,717	$1,499
NAICS 457 Gasoline stations and fuel dealers NAICS 457	53	$27,914	$72,886	−$582,014	$698
NAICS 237 Heavy and civil engineering construction NAICS 237	47	$76,643	$254,272	−$400,628	$1,916
NAICS 922 Justice, public order, and safety activities NAICS 922	33	$62,713	$202,420	−$452,480	$1,568
NAICS 485 Transit and ground passenger transportation NAICS 485	33	$28,658	$75,655	−$579,245	$716
NAICS 522 Credit intermediation and related activities NAICS 522	29	$49,193	$152,094	−$502,806	$1,230
NAICS 444 Building material and garden equipment and supplies dealers NAICS 444	28	$26,495	$67,604	−$587,296	$662
NAICS 811 Repair and maintenance NAICS 811	28	$54,172	$170,627	−$484,273	$1,354
NAICS 924 Administration of environmental quality programs NAICS 924	21	$78,498	$261,177	−$393,723	$1,962
NAICS 513 Publishing industries NAICS 513	19	$92,965	$315,028	−$339,872	$2,324
NAICS 221 Utilities NAICS 221	16	$46,209	$140,986	−$513,914	$1,155
NAICS 519 Web search portals, libraries, archives, and other information services NAICS 519	15	$14,298	$22,203	−$632,697	$357
NAICS 491 Postal service NAICS 491	13	$78,057	$259,535	−$395,365	$1,951
NAICS 926 Administration of economic programs NAICS 926	12	$91,781	$310,621	−$344,279	$2,295
NAICS 459 Sporting goods, hobby, musical instrument, book, and miscellaneous retailers NAICS 459	11	$29,054	$77,129	−$577,771	$726

Affordable home price assumes the industry's average earner uses 30% of gross income for housing, with a 30-year mortgage at 7%, 5% down, $2,500/yr taxes & insurance, and 0.5% PMI. Adjust the Section 3 calculator for other terms. Affordable rent is 30% of monthly gross pay.

Source: BLS QCEW Annual Averages, 2024; ACS 5-year 2024 (median home value).

Section 5

Wages by Occupation

Selected essential-worker occupations for the MSA or nonmetropolitan area containing this county — jobs, the 10-year change, wages, and the housing each typical earner can afford. Both jobs counts and wages are reported at the MSA / nonmetropolitan-area level (BLS does not publish OEWS at the county level), so every county inside the same area shows the same numbers. For county-accurate employment totals, see Section 4 above.

Occupational wages and affordable housing

Occupation	2025 jobs	2015–2025 change	% change	Hourly wage	Annual wage	Affordable home price	Affordable monthly rent
Fast Food and Counter Workers SOC 35-3023 · prior-year code differs	9,880	1,080	12%	$13.79	$28,690	$75,774	$717
Cashiers SOC 41-2011	3,920	(1,420)	(27%)	$15.25	$31,730	$87,090	$793
Childcare Workers SOC 39-9011	900	(300)	(25%)	$15.50	$32,240	$88,989	$806
Janitors and Cleaners SOC 37-2011	4,240	620	17%	$16.19	$33,670	$94,312	$842
Retail Salespersons SOC 41-2031	8,200	420	5%	$17.49	$36,390	$104,436	$910
Waiters and Waitresses SOC 35-3031	2,620	60	2%	$17.70	$36,820	$106,037	$921
Tellers SOC 43-3071	860	(200)	(19%)	$18.83	$39,160	$114,747	$979
Home Health and Personal Care Aides SOC 31-1131 · prior-year code differs	2,280	(520)	(19%)	$18.96	$39,440	$115,790	$986
Office Clerks, General SOC 43-9061	5,790	1,970	52%	$21.04	$43,760	$131,870	$1,094
Construction Laborers SOC 47-2061	3,140	970	45%	$24.08	$50,090	$155,432	$1,252
Firefighters SOC 33-2011	640	(130)	(17%)	$25.31	$52,650	$164,962	$1,316
Carpenters SOC 47-2031	2,150	260	14%	$25.55	$53,150	$166,823	$1,329
Maintenance and Repair Workers, General SOC 49-9071	2,480	430	21%	$26.84	$55,830	$176,799	$1,396
Heavy and Tractor-Trailer Truck Drivers SOC 53-3032	4,260	670	19%	$29.19	$60,720	$195,001	$1,518
Electricians SOC 47-2111	1,670	500	43%	$31.30	$65,110	$211,342	$1,628
Plumbers, Pipefitters, and Steamfitters SOC 47-2152	1,310	320	32%	$31.31	$65,130	$211,416	$1,628
Elementary School Teachers, Except Special Education SOC 25-2021	2,850	(1,170)	(29%)	—	$70,880	$232,820	$1,772
Paramedics SOC 29-2043 · prior-year code differs	50	(120)	(71%)	$35.30	$73,430	$242,312	$1,836
Police and Sheriff's Patrol Officers SOC 33-3051	820	(60)	(7%)	$36.34	$75,590	$250,352	$1,890
Registered Nurses SOC 29-1141	3,890	1,020	36%	$42.27	$87,930	$296,286	$2,198

Affordable home price uses the same Section 3 formula (30% housing budget, 30-year mortgage at 7%, 5% down, $2,500/yr T&I, 0.5% PMI). Affordable rent is 30% of monthly wages. Negative job-change values are shown in red parentheses. A "prior-year code differs" note flags occupations whose SOC code changed between the two vintages (2010 SOC → 2018 SOC) — the change estimate is best-effort.

Source: BLS OEWS May 2025 (10-year change vs. May 2015). Jobs counts and wages reflect the MSA or nonmetropolitan area containing this county, not the county alone — OEWS is not published at the county level.

Methodology & sources

All figures derive from the 2024 American Community Survey 5-year estimates. State and national comparisons are population-weighted aggregates of county-level estimates (an approximation; ACS publishes its own state and national medians which can differ slightly).

The affordability calculator uses a 30% housing-budget rule with a 30-year mortgage. Defaults are 7% interest, 5% down, $2,500/year taxes and insurance, and 0.5% PMI — adjustable above.

Variables: 49029 · pulled from Full Housing Data Table.xlsx.