1st Advantage MortgageFremont County households have a median income of $64,904 and median rent of $898 a month (ACS 2020 to 2024). Whatever your own numbers, compare written offers on APR, fees and total cost, and verify the lender is licensed in Wyoming before sharing details.
On this page
- Getting oriented in Fremont County
- Income in Fremont County compared with Wyoming
- What it costs to live in Fremont County
- Jobs and commutes in Fremont County
- Fremont County towns compared
- How Fremont County compares with nearby counties
- Budget math at the Fremont County median
- Before borrowing in Fremont County
- People and households in Fremont County
- Four steps for Fremont County borrowers
- Lender oversight for Fremont County
- Nearby and statewide guides
- Frequently asked questions
Getting oriented in Fremont County
The latest five-year Census estimate puts Fremont County's population at 39,533; only 4 of Wyoming's 23 county-level areas are larger. Spread over 9,184 square miles, that works out to roughly 4.3 residents per square mile. Under the July 2023 OMB definitions, Fremont County is not part of any metropolitan area. The Census Bureau counts 14 places in the county (6 incorporated, 8 census-designated); the largest is Riverton, with about 10,856 residents, or 27% of the county.
Income in Fremont County compared with Wyoming
At $64,904, the typical Fremont County household income sits near the median U.S. county ($65,681). Only 16 Wyoming counties post a higher median.
| Band | Fremont County | Compared with Wyoming |
|---|---|---|
| Under $35,000 | 23.8% | +2.1 pts |
| $35,000 to $99,999 | 46.3% | +5.0 pts |
| $100,000 to $199,999 | 25.4% | -3.1 pts |
| $200,000 or more | 4.5% | -4.0 pts |
Some 24% of households here live on less than $35,000 a year; 30% have six-figure incomes. 12.8% of residents fall below the federal poverty line (statewide: 10.5%). Income inequality, measured by the Gini index, comes to 0.406 here. For a borrower in Fremont 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.
What it costs to live in Fremont County
A typical Fremont County rental runs $898 a month including utilities, which is 9% below Wyoming. Rent takes 30% or more of income for 38% of renter households here. The median owner-occupied home is valued at $268,800, about 4.1 times the median household income. The ownership rate is 70%.
| Measure | Fremont County | Wyoming | Median U.S. county |
|---|---|---|---|
| Median gross rent | $898/mo | $992/mo | $877/mo |
| Median home value | $268,800 | $309,700 | $185,300 |
| Owners | 70% | 72% | 75% |
| Rent-burdened renters | 38% | 43% | 45% |
| Burdened owners | 30% | 26% | n/a |
| Mobile homes | 17.2% | 11.5% | n/a |
Jobs and commutes in Fremont County
The biggest employer of Fremont County residents, by industry, is education and health care at 29% of workers, followed by retail trade (11%). The sharpest difference from the state is in education and health care, at 29% locally and 24% for Wyoming. Averaged over the five survey years, 7.4% of the labor force was out of work and looking. 8% of commuters travel 45 minutes or more each way, and 10% work from home.
| Industry (employed residents 16+) | Fremont County | Gap to Wyoming |
|---|---|---|
| Education and health care | 28.9% | +4.4 pts |
| Retail trade | 10.9% | +0.1 pts |
| Arts, lodging and food service | 10.9% | +1.9 pts |
| Agriculture, forestry and mining | 7.8% | -1.3 pts |
| Construction | 7.0% | -1.5 pts |
| Public administration | 7.0% | +0.4 pts |
A lender verifies what your own job pays. The county's industry mix tells you about the local economy, not about your application.
Fremont County towns compared
Here are the 14 most populous of the county's 14 Census places, with income and rent from the same 2020 to 2024 survey. About 64% of Fremont County residents live in one of the 14. Incomes vary by place: $83,929 at the median in Boulder Flats, $36,875 in Fort Washakie. Median rent ranges from $453 in Arapahoe to $1,069 in Boulder Flats. No Fremont County place has a separate guide yet; this county page serves all 14.
| Community | Type | Residents | Household income (median) | Rent (median) | Distance |
|---|---|---|---|---|---|
| Riverton | city | 10,856 | $55,208 | $921 | 12 mi |
| Lander | city | 7,432 | $74,813 | $896 | 17 mi |
| Ethete | CDP | 1,326 | $80,833 | $548 | 7 mi |
| Arapahoe | CDP | 1,240 | $70,000 | $453 | 9 mi |
| Fort Washakie | CDP | 1,219 | $36,875 | $519 | 16 mi |
| Dubois | town | 801 | $59,571 | $1,005 | 62 mi |
| Shoshoni | town | 677 | $57,096 | $775 | 28 mi |
| Boulder Flats | CDP | 564 | $83,929 | $1,069 | 14 mi |
| Hudson | town | 401 | $50,000 | $850 | 11 mi |
| Pavillion | town | 318 | $51,563 | $1,125 | 14 mi |
| Johnstown | CDP | 253 | $41,875 | n/a | 6 mi |
| Crowheart | CDP | 115 | $101,719 | n/a | 37 mi |
| Atlantic City | CDP | 27 | n/a | n/a | 39 mi |
| Jeffrey City | CDP | 0 | n/a | n/a | 56 mi |
CDP: census-designated place, an unincorporated community mapped for statistics.
How Fremont County compares with nearby counties
Distances run center to center, from Hot Springs County at 47 miles out to Big Horn County at 106. Sublette County leads the group on income ($83,597), Hot Springs County trails ($61,250), and Fremont County out-earns 2 of the six.
| County | Distance | Median income | Median rent | Owners |
|---|---|---|---|---|
| Fremont County | - | $64,904 | $898/mo | 70% |
| Hot Springs County, WY | 47 mi | $61,250 | $887/mo | 73% |
| Sublette County, WY | 69 mi | $83,597 | $1,209/mo | 84% |
| Washakie County, WY | 74 mi | $65,714 | $720/mo | 74% |
| Natrona County, WY | 93 mi | $72,156 | $1,016/mo | 74% |
| Sweetwater County, WY | 97 mi | $75,034 | $911/mo | 75% |
| Big Horn County, WY | 106 mi | $62,101 | $823/mo | 76% |
Budget math at the Fremont County median
The debt-to-income ratio is the main affordability test lenders use. Applied to Fremont County's medians:
- Median income divided by twelve: $5,409 before taxes
- Median rent: $898, or 17 cents of every gross dollar
- $1,265: what a 40% ratio leaves once rent is paid
Subtract what you already pay on other debts. A new payment should fit in what remains, with some to spare.
Before borrowing in Fremont County
What the Fremont County figures suggest, and what to check first:
- Health costs. With 17% of the county uninsured, an interest-free hospital payment plan usually beats a loan (medical bills).
- 17% mobile homes. Many are not titled as real estate, so home-equity options may not apply; an unsecured loan is the usual route.
- Check your file. An error fixed before you apply can change the offers a Fremont County borrower sees (free reports).
People and households in Fremont County
Degree holders: 27% of adults over 25. The uninsured rate is 17.5%, against 11.3% for Wyoming.
| Indicator | Fremont County | All of Wyoming | U.S. county median |
|---|---|---|---|
| Median age | 39.7 | 39.1 | 41.5 |
| Bachelor's or higher | 26.5% | 30.6% | 22.2% |
| No high school diploma | 6.3% | 5.8% | n/a |
| No health insurance | 17.5% | 11.3% | 7.8% |
| No vehicle | 4.4% | 4.1% | 5.4% |
| Work from home | 9.7% | 9.4% | 8.7% |
| Poverty rate | 12.8% | 10.5% | 13.2% |
| Unemployment (ACS) | 7.4% | 3.7% | 4.4% |
| Trip time | Share |
|---|---|
| Under 15 min | 54.1% |
| 15 to 29 min | 27.1% |
| 30 to 44 min | 10.9% |
| 45 to 59 min | 4.6% |
| 60+ min | 3.3% |
Four steps for Fremont County borrowers
Four checks before you sign anything:
- Know the exact dollar figure you need before talking to a lender.
- Ask each lender for the APR and all fees in writing.
- Confirm the lender is licensed in Wyoming.
- Pick the shortest term whose payment still fits.
Lender oversight for Fremont County
No county office licenses personal lenders. For Fremont County, check the Wyoming Division of Banking. Federal complaints: consumerfinance.gov. 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 Fremont County household make?
About $64,904 a year at the median (ACS 2020-24), 15% below the Wyoming median.
Is Fremont County expensive for renters?
Median rent is $898 against $992 statewide, and 38% of renter households are cost-burdened.
Should Fremont County homeowners use home equity instead?
Maybe, but weigh the risk: 70% of Fremont County homes are owner-occupied, and a home-equity loan or line is secured by the house while a personal loan usually is not.
I live in a small Fremont County town. Is this my guide?
Yes. If your town has no city guide, this county page is the local one; it covers Riverton, Lander, Ethete, Arapahoe, Fort Washakie and 9 more.
Does my county matter to the questionnaire?
Only your state does. Whether you live in Fremont County or elsewhere in Wyoming, the same rules apply.