Your Sublette County, WY personal loan guide

Sublette County, WY: the basics

With an estimated 8,838 residents (ACS 2020 to 2024), Sublette County ranks 16th of 23 in Wyoming for population. It covers 4,886 square miles of land, or about 2 people per square mile. It sits outside every metropolitan statistical area in the July 2023 OMB delineation. Largest place: Pinedale, about 2,048 residents (23% of Sublette County); 7 Census places in all. At 8,838 people, Sublette County is a small survey sample, so small differences in these figures may be noise.

Homes and rents, Sublette County

A typical Sublette County rental runs $1,209 a month including utilities, which is 22% above Wyoming. By the Census definition, 48% of Sublette County renters are cost-burdened. Home values center on $376,200, or 4.5 years of median income. In Sublette County, 84% of occupied homes are owned by the people living in them.

With 84% of Sublette County homes owner-occupied, equity is a real alternative for many readers; just remember a missed HELOC payment puts the home at risk.

Work, industries and travel time in Sublette County

Agriculture, forestry and mining employs 20% of working residents, the largest share; education and health care is next with 12%. Agriculture, forestry and mining stands out: 20% of workers here, versus 9% statewide. Averaged over the five survey years, 2.3% of the labor force was out of work and looking. Long commutes are the exception here: 12% of workers spend 45 minutes or longer getting to work.

Shorter commutes usually mean lower vehicle costs, which can leave more room for a payment, or for paying a loan off early.

Where Sublette County differs from the rest of Wyoming

The 3 Sublette County numbers that rank furthest from typical in Wyoming, and what each means for a borrower:

• On the housing vacancy rate, Sublette County sits near the top of Wyoming at 30%, the highest of 23. High vacancy often reflects seasonal or second homes.
• Households without a vehicle: 1.8% in Sublette County. Only 1 of 23 Wyoming counties are lower. Car ownership is close to universal, and so are repair bills.
• Median gross rent: $1,209/mo in Sublette County. Only 1 of 23 Wyoming counties are higher. High rent is the first thing a lender's ratio will see.

Sublette County income bands

Median household income in Sublette County: $83,597 (10% above Wyoming, $76,176). That places it 5th among Wyoming's 23 county-level areas.

20% under $35,000 and 44% at $100,000 or more: that is the Sublette County income split. 6.9% of residents fall below the federal poverty line (statewide: 10.5%). Gini index for Sublette County: 0.544. If your income is irregular, as it often is with tips, gig work or seasonal jobs, plan around your leaner months rather than the Sublette County median.

Counties near Sublette County

Distances run center to center, from Lincoln County at 54 miles out to Sweetwater County at 93. 2 of the six report a higher median household income than Sublette County; Teton County is highest at $124,172 and Fremont County lowest at $64,904. The list crosses into Idaho, where different lending rules and regulators apply.

Census places in Sublette County

The table lists the 7 largest of 7 Census places in Sublette County, by population. Together all 7 hold about 4,085 people, so roughly 54% of residents live outside any named place. Among places of 500 or more people, median income runs from $58,500 in Pinedale to $67,411 in Big Piney. Rent is cheapest in Marbleton ($688) and steepest in Pinedale ($1,309). None of the 7 has its own city guide, so this page covers all of them.

Local borrowing considerations for Sublette County

The county's numbers point to a few situations that come up often for Sublette County borrowers.

• Consolidation math. With 44% at six figures, card consolidation is common; it pays only if total cost falls (guide).
• 48% rent-burdened. A payment on top of high rent needs a cushion; size it with the calculator.
• Consolidating cards in Sublette County. Compare the total repaid, not the monthly figure (how).

Who lives in Sublette County, in numbers

College graduates make up 32% of the adult population. The uninsured rate is 8.0%, against 11.3% for Wyoming.

What a median Sublette County budget can carry

How much room does a median Sublette County budget have? Take median income, subtract median rent, and check what is left under a few common debt-to-income limits.

• Start: $6,966 gross per month ($83,597 / 12)
• Rent at the median, $1,209, takes 17% of that
• At 36%, room after rent is $1,299 a month
• With a 43% ceiling, about $1,787 remains for car, card, student and any new loan payments

Lenders set their own limits and look beyond the ratio. The DTI calculator uses your figures instead of Sublette County's.

Four steps for Sublette County borrowers

Four checks before you sign anything:

• Write down what the expense costs; a smaller loan costs less.
• Shop at least three lenders, including one Sublette County-area credit union.
• Only work with lenders licensed for Wyoming borrowers.
• Confirm the first due date before setting up autopay.

Who licenses lenders for Sublette County residents

Sublette County borrowers fall under statewide rules, enforced by the Wyoming Division of Banking. If a Sublette County lender ignores a dispute, the CFPB complaint portal is the federal backstop. More on Wyoming: Wyoming personal loans.

Keep exploring

For statewide rules and data, see the Wyoming guide.

• Wyoming state guide