Usually its the outer bearing that goes as it is smaller and spins faster. Unless you have been submerging things.
If it rumbles at all when you spin it, it is junk.
They are easy to replace, you just have to drive out the outer bearing races from the inside of the bub with a long punch, then drive in the new ones.
new bearings and dust seals, a handful of grease and about 10 minutes a side.
Your brakes on that side might be toast now though.