1st Advantage MortgageAbout 78% of Campbell County homes are owner-occupied, and the median household income is $89,869. Your income, debts and credit decide what you qualify for. Get offers in writing, compare the total repaid, and never pay a fee up front.
On this page
- A quick profile of Campbell County
- What it costs to live in Campbell County
- How much Campbell County households make
- The Campbell County job picture
- Campbell County and the counties next door
- The communities that make up Campbell County
- What a median Campbell County budget can carry
- More Campbell County figures
- Local borrowing considerations for Campbell County
- Steps before you apply in Campbell County
- Checking a lender's license in Wyoming
- Nearby and statewide guides
- Frequently asked questions
A quick profile of Campbell County
Campbell County is home to about 47,240 people, according to the Census Bureau's 2020 to 2024 American Community Survey, which makes it the 3rd most populous of 23 county-level areas in Wyoming. It covers 4,802 square miles of land, or about 10 people per square mile. Under the July 2023 OMB definitions, Campbell County is not part of any metropolitan area. Of the 3 Census places inside Campbell County, Gillette leads by population with about 33,431; 2 of the 3 are incorporated.
What it costs to live in Campbell County
Renters in Campbell County pay a median of $1,009 a month, 2% above the Wyoming figure of $992. By the Census definition, 50% of Campbell County renters are cost-burdened. With a median value of $279,100, a typical Campbell County house costs 3.1 times what the median household earns in a year. Owners occupy 78% of homes. The median year built is 1991.
| Home costs | Campbell County | Wyoming | U.S. middle county |
|---|---|---|---|
| Median gross rent | $1,009/mo | $992/mo | $877/mo |
| Median home value | $279,100 | $309,700 | $185,300 |
| Owners | 78% | 72% | 75% |
| Rent-burdened renters | 50% | 43% | 45% |
| Burdened owners | 23% | 26% | n/a |
| Mobile homes | 20.1% | 11.5% | n/a |
| Vacant units | 10% | 12% | 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).
How much Campbell County households make
Half of Campbell County households take in less than $89,869 a year and half take in more, 18% above the Wyoming median of $76,176. That places it 2nd among Wyoming's 23 county-level areas.
| Yearly household income | Campbell County | Gap to Wyoming |
|---|---|---|
| Under $35,000 | 17.5% | -4.2 pts |
| $35,000 to $99,999 | 37.3% | -4.0 pts |
| $100,000 to $199,999 | 35.4% | +6.9 pts |
| $200,000 or more | 9.9% | +1.3 pts |
About 17% of households earn under $35,000, while 45% clear $100,000. 9.4% of residents fall below the federal poverty line (statewide: 10.5%). Income inequality, measured by the Gini index, comes to 0.409 here. For a borrower in Campbell County, the county median is only context: a lender looks at the income you can document, so pay stubs, benefit letters or tax returns matter more than any average.
The Campbell County job picture
The biggest employer of Campbell County residents, by industry, is education and health care at 19% of workers, followed by agriculture, forestry and mining (19%). Compared with Wyoming, the county leans toward agriculture, forestry and mining (19% against 9%). Averaged over the five survey years, 3.5% of the labor force was out of work and looking. 13% of commuters travel 45 minutes or more each way, and 6% work from home. 3.7% of households have no vehicle.
| Sector | Campbell County | Compared with Wyoming |
|---|---|---|
| Education and health care | 18.6% | -5.8 pts |
| Agriculture, forestry and mining | 18.5% | +9.4 pts |
| Retail trade | 9.8% | -1.1 pts |
| Arts, lodging and food service | 8.8% | -0.1 pts |
| Construction | 7.7% | -0.8 pts |
| Professional and administrative services | 6.7% | -1.1 pts |
Shorter commutes usually mean lower vehicle costs, which can leave more room for a payment, or for paying a loan off early.
Campbell County and the counties next door
Nearest neighbors first, measured between county centers (53 to 84 miles). Income ranges from $64,871 in Johnson County to $89,509 in Weston County; none of these neighbors top Campbell County's median. The list crosses into Montana, where different lending rules and regulators apply.
| Adjacent area | How far | HH income (median) | Rent (median) | Owner share |
|---|---|---|---|---|
| Campbell County | - | $89,869 | $1,009/mo | 78% |
| Weston County, WY | 53 mi | $89,509 | $698/mo | 87% |
| Johnson County, WY | 54 mi | $64,871 | $1,029/mo | 82% |
| Crook County, WY | 54 mi | $79,637 | $852/mo | 78% |
| Sheridan County, WY | 79 mi | $71,388 | $939/mo | 71% |
| Converse County, WY | 83 mi | $81,558 | $866/mo | 77% |
| Powder River County, MT | 84 mi | $67,045 | $533/mo | 79% |
The communities that make up Campbell County
Here are the 3 most populous of the county's 3 Census places, with income and rent from the same 2020 to 2024 survey. About 77% of Campbell County residents live in one of the 3. Sleepy Hollow has the highest median household income on the list ($120,504) and Wright the lowest ($69,545), counting places with at least 500 residents. No Campbell County place has a separate guide yet; this county page serves all 3.
| Community | Type | Residents | Household income (median) | Rent (median) | Distance |
|---|---|---|---|---|---|
| Gillette | city | 33,431 | $81,316 | $976 | 6 mi |
| Sleepy Hollow | CDP | 1,632 | $120,504 | n/a | 5 mi |
| Wright | town | 1,443 | $69,545 | n/a | 31 mi |
CDP: census-designated place, an unincorporated community mapped for statistics.
What a median Campbell County budget can carry
The debt-to-income ratio is the main affordability test lenders use. Applied to Campbell County's medians:
- $89,869 a year is $7,489 of gross monthly income
- Median rent: $1,009, or 13 cents of every gross dollar
- With a 36% ceiling, about $1,687 remains for car, card, student and any new loan payments
- With a 43% ceiling, about $2,211 remains for car, card, student and any new loan payments
Subtract what you already pay on other debts. A new payment should fit in what remains, with some to spare.
More Campbell County figures
23% of Campbell County adults 25 and older hold a bachelor's degree or more. About 13% go without health insurance.
| Measure | Campbell County | Wyoming statewide | Typical U.S. county |
|---|---|---|---|
| Median age | 36.3 | 39.1 | 41.5 |
| Bachelor's or higher | 23.3% | 30.6% | 22.2% |
| No high school diploma | 8.0% | 5.8% | n/a |
| No health insurance | 13.2% | 11.3% | 7.8% |
| No vehicle | 3.7% | 4.1% | 5.4% |
| Work from home | 5.7% | 9.4% | 8.7% |
| Poverty rate | 9.4% | 10.5% | 13.2% |
| Unemployment (ACS) | 3.5% | 3.7% | 4.4% |
| Travel time to work | Workers |
|---|---|
| Under 15 min | 45.5% |
| 15 to 29 min | 32.6% |
| 30 to 44 min | 9.1% |
| 45 to 59 min | 4.6% |
| 60+ min | 8.2% |
Local borrowing considerations for Campbell County
What the Campbell County figures suggest, and what to check first:
- Hospital bills in Campbell County. For the 13% of residents without coverage, the provider's charity-care program comes before any loan (details).
- Manufactured homes. 20% of Campbell County housing units are mobile homes, and their repairs are often paid with unsecured loans. Get the quote in writing.
- Six-figure budgets. For the 45% earning $100,000 or more, lifestyle creep, not approval, is the usual problem.
- Rent squeeze. 50% of renters spend 30%+ of income on rent; borrow only if the loan cuts what you pay overall.
Steps before you apply in Campbell County
Quick steps for Campbell County:
- Know the exact dollar figure you need before talking to a lender.
- Prequalify with soft pulls where offered, then compare in writing.
- A Wyoming license check takes minutes; do it first.
- Lock paid-off cards after consolidating so balances stay at zero.
Checking a lender's license in Wyoming
No county office licenses personal lenders. For Campbell County, check the Wyoming Division of Banking. A CFPB complaint gets forwarded to the company for a response. The Wyoming guide covers state rules in more detail.
Nearby and statewide guides
The Wyoming guide covers the whole state.
Frequently asked questions
What does a typical Campbell County household make?
About $89,869 a year at the median (ACS 2020-24), 18% above the Wyoming median.
What do renters pay in Campbell County?
$1,009 a month at the median, about 13% of median household income.
Should Campbell County homeowners use home equity instead?
Maybe, but weigh the risk: 78% of Campbell County homes are owner-occupied, and a home-equity loan or line is secured by the house while a personal loan usually is not.
Which towns does the Campbell County guide cover?
Every community in the county, unincorporated areas included. The largest of its 3 Census places: Gillette, Sleepy Hollow, Wright.
Can Campbell County residents use the questionnaire?
Yes. It asks the same questions in every Wyoming county, lists every requirement up front and does not affect your credit score.