1st Advantage MortgageLaramie County households have a median income of $80,173 and median rent of $1,160 a month (ACS 2020 to 2024). Those figures describe the county, not you: compare at least three written offers by APR and total cost, and confirm the lender's license before you apply.
On this page
- Laramie County at a glance
- How much Laramie County households make
- The Laramie County job picture
- What it costs to live in Laramie County
- Counties near Laramie County
- Laramie County towns compared
- Budget math at the Laramie County median
- Laramie County residents: age, schooling, coverage
- Reading the Laramie County data as a borrower
- Steps before you apply in Laramie County
- Wyoming rules that apply in Laramie County
- Nearby and statewide guides
- Frequently asked questions
Laramie County at a glance
Laramie County is home to about 101,060 people, according to the Census Bureau's 2020 to 2024 American Community Survey, which makes it the 1st most populous of 23 county-level areas in Wyoming. Spread over 2,686 square miles, that works out to roughly 37.6 residents per square mile. The federal metro definitions (OMB, July 2023) place it in the Cheyenne, WY metropolitan area. Of the 10 Census places inside Laramie County, Cheyenne leads by population with about 65,239; 4 of the 10 are incorporated.
How much Laramie County households make
The median household income in Laramie County is $80,173; statewide it is $76,176, so Laramie County runs 5% above Wyoming as a whole. In the state ranking that is 8th of 23.
| Income band | Share in Laramie County | Difference from Wyoming |
|---|---|---|
| Under $35,000 | 19.4% | -2.3 pts |
| $35,000 to $99,999 | 42.2% | +1.0 pts |
| $100,000 to $199,999 | 30.7% | +2.2 pts |
| $200,000 or more | 7.7% | -0.9 pts |
About 19% of households earn under $35,000, while 38% clear $100,000. Census counts 8.9% of Laramie County residents in poverty, against 10.5% across Wyoming. None of these numbers decides a Laramie County application. Lenders weigh your own documented income against your own debts.
The Laramie County job picture
By the Census industry count, 23% of employed Laramie County residents work in education and health care and 14% in retail trade. Public administration stands out: 11% of workers here, versus 7% statewide. The survey's unemployment rate for Laramie County averages 3.7% over 2020 to 2024 (state: 3.7%). 7% of commuters travel 45 minutes or more each way, and 9% work from home.
| Sector | Laramie County | Compared with Wyoming |
|---|---|---|
| Education and health care | 22.8% | -1.7 pts |
| Retail trade | 14.3% | +3.4 pts |
| Public administration | 11.5% | +4.8 pts |
| Arts, lodging and food service | 8.9% | -0.1 pts |
| Construction | 8.7% | +0.2 pts |
| Professional and administrative services | 8.6% | +0.8 pts |
Shorter commutes usually mean lower vehicle costs, which can leave more room for a payment, or for paying a loan off early.
What it costs to live in Laramie County
A typical Laramie County rental runs $1,160 a month including utilities, which is 17% above Wyoming. 47% of renting households spend 30% or more of income on rent, and 21% spend half or more. Home values center on $348,700, or 4.3 years of median income. The ownership rate is 71%. Half the housing stock was built before 1980.
| Home costs | Laramie County | Wyoming | U.S. middle county |
|---|---|---|---|
| Median gross rent | $1,160/mo | $992/mo | $877/mo |
| Median home value | $348,700 | $309,700 | $185,300 |
| Owners | 71% | 72% | 75% |
| Rent-burdened renters | 47% | 43% | 45% |
| Burdened owners | 29% | 26% | n/a |
| Mobile homes | 8.0% | 11.5% | n/a |
| Vacant units | 5% | 12% | n/a |
Counties near Laramie County
The six counties whose centers lie closest to Laramie County's, from 50 to 61 miles away. Income ranges from $56,712 in Kimball County to $97,097 in Weld County; 1 of these neighbors top Laramie County's median. The list crosses into Colorado, Nebraska, where different lending rules and regulators apply.
| County | Distance | Median income | Median rent | Owners |
|---|---|---|---|---|
| Laramie County | - | $80,173 | $1,160/mo | 71% |
| Kimball County, NE | 50 mi | $56,712 | $846/mo | 75% |
| Banner County, NE | 51 mi | $78,839 | $975/mo | 68% |
| Weld County, CO | 53 mi | $97,097 | $1,539/mo | 76% |
| Goshen County, WY | 57 mi | $58,929 | $778/mo | 73% |
| Platte County, WY | 60 mi | $67,718 | $781/mo | 76% |
| Albany County, WY | 61 mi | $61,917 | $931/mo | 50% |
Laramie County towns compared
Here are the 10 most populous of the county's 10 Census places, with income and rent from the same 2020 to 2024 survey. About 84% of Laramie County residents live in one of the 10. Ranchettes has the highest median household income on the list ($121,445) and Fox Farm-College the lowest ($48,516), counting places with at least 500 residents. Median rent ranges from $713 in Pine Bluffs to $1,579 in Warren AFB. Live in one of these Laramie County communities, or between them? This is your local guide.
| Name | Kind | Pop. | Income | Rent | Miles |
|---|---|---|---|---|---|
| Cheyenne | city | 65,239 | $78,839 | $1,118 | 13 mi |
| Ranchettes | CDP | 5,949 | $121,445 | $831 | 8 mi |
| South Greeley | CDP | 4,631 | $56,844 | $1,376 | 16 mi |
| Fox Farm-College | CDP | 4,019 | $48,516 | $1,093 | 14 mi |
| Warren AFB | CDP | 2,936 | $69,432 | $1,579 | 15 mi |
| Pine Bluffs | town | 1,370 | $67,905 | $713 | 31 mi |
| Burns | town | 397 | $61,071 | $1,614 | 17 mi |
| Albin | town | 230 | $170,154 | n/a | 30 mi |
| Hillsdale | CDP | 25 | n/a | n/a | 11 mi |
| Carpenter | CDP | 0 | n/a | n/a | 23 mi |
Budget math at the Laramie County median
The debt-to-income ratio is the main affordability test lenders use. Applied to Laramie County's medians:
- $80,173 a year is $6,681 of gross monthly income
- Less median rent of $1,160, which is 17% of it
- 36% debt-to-income limit: $1,245 left for all other debt payments
- At 43%, room after rent is $1,713 a month
Car, student loan and card payments come out of that room first. Try your own numbers in the calculator.
Laramie County residents: age, schooling, coverage
Degree holders: 33% of adults over 25. 9.5% of residents have no health coverage.
| Residents | Laramie County | Wyoming | Middle U.S. county |
|---|---|---|---|
| Median age | 38.5 | 39.1 | 41.5 |
| Bachelor's or higher | 33.1% | 30.6% | 22.2% |
| No high school diploma | 5.0% | 5.8% | n/a |
| No health insurance | 9.5% | 11.3% | 7.8% |
| No vehicle | 5.0% | 4.1% | 5.4% |
| Work from home | 9.1% | 9.4% | 8.7% |
| Poverty rate | 8.9% | 10.5% | 13.2% |
| Unemployment (ACS) | 3.7% | 3.7% | 4.4% |
| Commute length | Laramie County |
|---|---|
| Under 15 min | 49.7% |
| 15 to 29 min | 37.0% |
| 30 to 44 min | 6.2% |
| 45 to 59 min | 2.8% |
| 60+ min | 4.2% |
Reading the Laramie County data as a borrower
What the Laramie County figures suggest, and what to check first:
- Tight rental budgets. With 47% of Laramie County renters cost-burdened, test a new payment against a lean month.
- Know your credit. Review all three bureau reports for free (AnnualCreditReport.com).
- Fraud. Gift cards, wire transfers or fees to unlock a loan mean walk away (report it).
Steps before you apply in Laramie County
Quick steps for Laramie County:
- Price the Laramie County expense first and borrow that amount, no more.
- Line up offers side by side: APR, fees in dollars, total cost.
- Verify the Wyoming license before giving out your Social Security number.
- Pick the shortest term whose payment still fits.
Wyoming rules that apply in Laramie County
Consumer lenders serving Laramie County are licensed by the state, not the county; in Wyoming that is the Wyoming Division of Banking. Banks and credit unions have their own regulators, and the CFPB takes complaints about any lender. Statewide data and rules: Wyoming guide.
Nearby and statewide guides
For statewide rules and data, see the Wyoming guide.
Frequently asked questions
Is Laramie County a high-income county?
Its $80,173 median ranks 8th of 23 Wyoming counties and compares with $65,681 for the median U.S. county.
Is Laramie County expensive for renters?
Median rent is $1,160 against $992 statewide, and 47% of renter households are cost-burdened.
Should Laramie County homeowners use home equity instead?
Maybe, but weigh the risk: 71% of Laramie County homes are owner-occupied, and a home-equity loan or line is secured by the house while a personal loan usually is not.
What are the biggest places in Laramie County?
By population: Cheyenne, Ranchettes, South Greeley, Fox Farm-College, Warren AFB. The county has 10 Census places in all.
Is the fit check different in Laramie County?
No. It is identical everywhere, and it never looks at your neighborhood.