1st Advantage MortgageThe median Park County household earns $73,035, and 9% of residents live below the poverty line. 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
- 30,449 residents: Park County basics
- Work, industries and travel time in Park County
- Park County against other Wyoming counties
- What it costs to live in Park County
- Earnings across Park County households
- Park County towns compared
- Park County next to its neighbors
- Who lives in Park County, in numbers
- Local borrowing considerations for Park County
- Debt-to-income, Park County edition
- Steps before you apply in Park County
- Who licenses lenders for Park County residents
- More guides for Park County
- Frequently asked questions
30,449 residents: Park County basics
With an estimated 30,449 residents (ACS 2020 to 2024), Park County ranks 8th of 23 in Wyoming for population. Its 6,939 square miles average 4 people per square mile, by the 2024 Census Gazetteer. Under the July 2023 OMB definitions, Park County is not part of any metropolitan area. The Census Bureau counts 6 places in the county (3 incorporated, 3 census-designated); the largest is Cody, with about 10,276 residents, or 34% of the county.
Work, industries and travel time in Park County
Education and health care employs 29% of working residents, the largest share; retail trade is next with 12%. Education and health care stands out: 29% of workers here, versus 24% statewide. The survey's unemployment rate for Park County averages 2.2% over 2020 to 2024 (state: 3.7%). Long commutes are the exception here: 6% of workers spend 45 minutes or longer getting to work.
| Sector | Park County | Compared with Wyoming |
|---|---|---|
| Education and health care | 28.6% | +4.2 pts |
| Retail trade | 11.8% | +0.9 pts |
| Professional and administrative services | 9.1% | +1.3 pts |
| Arts, lodging and food service | 8.8% | -0.2 pts |
| Construction | 8.7% | +0.2 pts |
| Agriculture, forestry and mining | 6.6% | -2.5 pts |
If your hours swing with the season or with overtime, size a loan payment against your base pay, not your best month.
Park County against other Wyoming counties
Out of every Wyoming county, Park County is most unusual on these measures.
- Park County ranks 2nd highest of 23 Wyoming counties for median home value: $400,500, against $309,700 statewide. High values mean many owners could borrow against equity; weigh that risk carefully.
- Park County ranks 3rd highest of 23 Wyoming counties for the share of adults with a bachelor's degree: 36%, against 31% statewide. Student loan payments count in a debt-to-income ratio, so list them.
- On median age, Park County sits near the top of Wyoming at 44.9, 4th highest of 23. Older borrowers often rely on fixed incomes, so a fixed payment helps.
- On the share of mobile homes, Park County sits near the bottom of Wyoming at 7.9%, 5th lowest of 23. Few mobile homes means most owners have traditional equity options.
What it costs to live in Park County
$925 a month is the median gross rent in Park County, 7% below the state. Cost-burdened renters, paying 30%-plus of income: 42% in Park County, 43% statewide. With a median value of $400,500, a typical Park County house costs 5.5 times what the median household earns in a year. Owners occupy 75% of homes. Median construction year: 1983.
| Park County | Wyoming | Difference | |
|---|---|---|---|
| Mobile homes | 7.9% | 11.5% | -3.6 pts |
| Owners | 75% | 72% | +3.6 pts |
| Median home value | $400,500 | $309,700 | 29% higher |
| Burdened owners | 29% | 26% | +2.9 pts |
| Rent-burdened renters | 42% | 43% | -1.5 pts |
| Vacant units | 11% | 12% | -1.1 pts |
| Median gross rent | $925/mo | $992/mo | 7% lower |
Because most Park County households own, home repairs are a frequent reason to borrow. An unsecured personal loan leaves the house out of the deal, while a HELOC uses it as collateral.
Earnings across Park County households
Median household income in Park County: $73,035 (4% below Wyoming, $76,176).
| Household income | Park County | vs Wyoming |
|---|---|---|
| Under $35,000 | 23.3% | +1.6 pts |
| $35,000 to $99,999 | 42.7% | +1.4 pts |
| $100,000 to $199,999 | 26.0% | -2.4 pts |
| $200,000 or more | 8.0% | -0.5 pts |
23% under $35,000 and 34% at $100,000 or more: that is the Park County income split. Poverty rate, Park County: 8.9%; Wyoming: 10.5%. If your income is irregular, as it often is with tips, gig work or seasonal jobs, plan around your leaner months rather than the Park County median.
Park County towns compared
Here are the 6 most populous of the county's 6 Census places, with income and rent from the same 2020 to 2024 survey. About 58% of Park County residents live in one of the 6. Cody ($72,570) and Meeteetse ($36,250) mark the top and bottom of Park County's income range among larger places. Median rent ranges from $764 in Powell to $1,051 in Cody. Cody and every other Park County community use this county guide.
| Town or CDP | Type | People | Median household income | Median gross rent | Miles from center |
|---|---|---|---|---|---|
| Cody | city | 10,276 | $72,570 | $1,051 | 26 mi |
| Powell | city | 6,503 | $63,523 | $764 | 45 mi |
| Meeteetse | town | 612 | $36,250 | $774 | 43 mi |
| Ralston | CDP | 107 | $36,285 | n/a | 38 mi |
| Mammoth | CDP | 62 | n/a | n/a | 63 mi |
| Garland | CDP | 59 | n/a | n/a | 50 mi |
CDP: census-designated place, an unincorporated community mapped for statistics.
Park County next to its neighbors
Distances run center to center, from Teton County at 51 miles out to Park County at 81. Park County's $73,035 median trails 3 of the six and beats 3; the range runs $61,250 (Hot Springs County) to $124,172 (Teton County). The list crosses into Montana, where different lending rules and regulators apply.
| County | Distance | Median income | Median rent | Owners |
|---|---|---|---|---|
| Park County | - | $73,035 | $925/mo | 75% |
| Teton County, WY | 51 mi | $124,172 | $1,904/mo | 58% |
| Carbon County, MT | 58 mi | $80,261 | $844/mo | 78% |
| Hot Springs County, WY | 78 mi | $61,250 | $887/mo | 73% |
| Big Horn County, WY | 79 mi | $62,101 | $823/mo | 76% |
| Stillwater County, MT | 81 mi | $84,732 | $961/mo | 83% |
| Park County, MT | 81 mi | $70,047 | $976/mo | 69% |
Who lives in Park County, in numbers
36% of Park County adults 25 and older hold a bachelor's degree or more. 10.9% of residents have no health coverage.
| Residents | Park County | Difference from Wyoming | Difference from middle U.S. county |
|---|---|---|---|
| Median age | 44.9 | +5.8 yrs | +3.4 yrs |
| Bachelor's or higher | 36.0% | +5.4 pts | +13.8 pts |
| Work from home | 11.8% | +2.5 pts | +3.2 pts |
| Poverty rate | 8.9% | -1.6 pts | -4.3 pts |
| Unemployment (ACS) | 2.2% | -1.5 pts | -2.2 pts |
| No vehicle | 2.7% | -1.4 pts | -2.8 pts |
| No high school diploma | 5.0% | -0.9 pts | n/a |
| No health insurance | 10.9% | -0.4 pts | +3.1 pts |
| One-way commute | Share of Park County workers |
|---|---|
| Under 15 min | 63.2% |
| 15 to 29 min | 18.0% |
| 30 to 44 min | 12.6% |
| 45 to 59 min | 2.8% |
| 60+ min | 3.5% |
Local borrowing considerations for Park County
What the Park County figures suggest, and what to check first:
- Medical bills. 11% of Park County residents are uninsured. Before borrowing for care, ask the provider about financial assistance and payment plans.
- Check your file. An error fixed before you apply can change the offers a Park County borrower sees (free reports).
- Fraud. Gift cards, wire transfers or fees to unlock a loan mean walk away (report it).
Debt-to-income, Park County edition
Park County at the medians, through a lender's eyes (what DTI means):
- $73,035 a year is $6,086 of gross monthly income
- Rent at the median, $925, takes 15% of that
- Under a 36% cap, $2,191 total minus rent leaves $1,266
- Under a 43% cap, $2,617 total minus rent leaves $1,692
If your rent is above $925, the room shrinks dollar for dollar.
Steps before you apply in Park County
Before you apply, wherever you live in Park County:
- Price the Park County expense first and borrow that amount, no more.
- Collect three written offers and compare APR and total repaid.
- Check the license, then the reviews, then the offer.
- Lock paid-off cards after consolidating so balances stay at zero.
Who licenses lenders for Park County residents
Park County borrowers fall under statewide rules, enforced by the Wyoming Division of Banking. Federal complaints: consumerfinance.gov. Statewide data and rules: Wyoming guide.
More guides for Park County
No city in Park County has its own guide yet; the state page is next up.
Frequently asked questions
How much do households in Park County earn?
The median is $73,035; 34% earn $100,000 or more and 23% under $35,000. A lender uses your own documented income, not this figure.
Is Park County expensive for renters?
Median rent is $925 against $992 statewide, and 42% of renter households are cost-burdened.
Can Park County owners borrow against a $400,500 home?
Many can, through a home equity loan or line. It is secured by the house, so compare it with an unsecured personal loan before choosing.
I live near Cody. Which guide is mine?
This one. Cody and the rest of Park County have no separate city guide.
Will a Park County address affect my match?
Beyond confirming Wyoming as your state, no. Your answers about amount, credit, income and payments are all that count.