I know females are lighter than males, but never have I seen a female this color.
Beautiful photo of a "unique sparrow with incredible variation between populations"...... so says the Merlin Bird ID software from Cornell University. The software has two photos of a Dark-eyed Junco: one is of an "Adult Male (Pink Sided) while the other photo is of a "Female/Immature (Oregon) Dark-eyed Junco. Both photos are nearly identical to your photo in terms of coloration. All I can add is that my two bird feeders here in Surrey, BC Canada are inundated with Juncos, some of which have the exact same color variation depicted in both your photo and the two photos in the Merlin Bird ID software. If you do not have this software (it is free for download) I recommend you get a copy. I have mine loaded on an iPad Mini (easy to carry in the field). I have not investigated if an Android version of the software with accompanying maps is available too. Regards, Garth