In Wyoming, the median household income is $76,176 and 72% of homes are owner-occupied (ACS 2020 to 2024). A safe personal loan starts with a license check, three written offers compared on total cost, and a payment that fits your own budget.
On this page
- Wyoming by the numbers
- What the numbers mean for Wyoming borrowers
- Largest places in Wyoming
- More Wyoming cities and towns
- Counties with the most residents
- How Wyoming earns a living
- More context for Wyoming budgets
- Checking a lender in Wyoming
- Can Wyoming residents use the questionnaire?
- Local guides in Wyoming
- Frequently asked questions
Wyoming by the numbers
Sixteen budget-related measures for Wyoming, set against the national figure and ranked from highest to lowest among the 51 jurisdictions (Census Bureau ACS, 2020 to 2024).
| What we measured | Wyoming | Nation | Place among 51 |
|---|---|---|---|
| Median household income | $76,176 | $80,734 | 30th |
| Working from home | 9% | 15% | 44th |
| Adults 25+ with a bachelor's degree | 31% | 36% | 42nd |
| Age, median | 39.1 | 38.9 | 23rd |
| Gini index (inequality) | 0.454 | 0.483 | 39th |
| Share of households under $35,000 | 22% | 21% | 23rd |
| Share of households at $100,000+ | 37% | 41% | 30th |
| Poverty rate | 10.5% | 12.5% | 37th |
| Unemployment rate (ACS) | 3.7% | 5.2% | 42nd |
| Rent, median gross (monthly) | $992 | $1,413 | 44th |
| Renters paying 30%+ of income on rent | 43% | 51% | 49th |
| Home value, median | $309,700 | $332,700 | 25th |
| Homeownership rate | 72% | 65% | 10th |
| Cost-burdened owners with a mortgage | 26% | 28% | 25th |
| Home value to income ratio | 4.1x | 4.1x | 20th |
| Workers commuting 45+ minutes | 10% | 17% | 44th |
What the numbers mean for Wyoming borrowers
9% of the Wyoming workforce works from home, while 10% face a one-way trip of 45 minutes or longer. Remote and self-employed workers should expect lenders to ask for bank statements or tax returns in place of a simple pay stub.
The Census Bureau's five-year unemployment estimate for Wyoming is 3.7% (U.S.: 5.2%), and 10.5% of residents live below the poverty line. If your job is seasonal or hourly, lenders may ask for more months of statements to see a steady pattern.
The rent burden rate in Wyoming is 43% of renter households (U.S. 51%), on a median rent of $992. Rent-burdened households should put a cushion ahead of any loan, even a small one.
About 72% of Wyoming homes are owner-occupied (10th of 51; U.S. 65%), and the median home is valued at $309,700, or 4.1 times the median household income. 26% of mortgaged owners are housing-cost burdened, versus 28% nationally.
Largest places in Wyoming
Where most Wyoming residents live: the 12 largest cities, towns and census-designated places, with the latest five-year Census figures.
| City or town | County | Residents | Median household income | Rent (median) | Typical home value |
|---|---|---|---|---|---|
| Cheyenne | Laramie County | 65,239 | $78,839 | $1,118 | $333,700 |
| Casper | Natrona County | 58,839 | $70,218 | $1,009 | $260,400 |
| Gillette | Campbell County | 33,431 | $81,316 | $976 | $264,500 |
| Laramie | Albany County | 32,234 | $55,613 | $925 | $319,500 |
| Rock Springs | Sweetwater County | 23,127 | $69,168 | $928 | $256,200 |
| Sheridan | Sheridan County | 19,285 | $62,867 | $936 | $340,600 |
| Evanston | Uinta County | 11,800 | $76,516 | $805 | $280,900 |
| Green River | Sweetwater County | 11,581 | $84,747 | $921 | $263,400 |
| Riverton | Fremont County | 10,856 | $55,208 | $921 | $219,400 |
| Jackson | Teton County | 10,756 | $118,991 | $2,100 | $1,521,900 |
| Cody | Park County | 10,276 | $72,570 | $1,051 | $378,500 |
| Rawlins | Carbon County | 8,129 | $64,773 | $741 | $217,100 |
Of the places the Census Bureau tracks in Wyoming, 11 have 10,000 or more people and 2 have 50,000 or more. The income gap between towns is wide: among places over 20,000, Gillette has the highest median at $81,316 and Laramie the lowest at $55,613. Median rent in that group ranges from $925 in Laramie to $1,118 in Cheyenne.
More Wyoming cities and towns
From Lander (7,432 residents) down to Lovell (2,422).
| Place | Residents | Median household income | Rent (median) |
|---|---|---|---|
| Lander | 7,432 | $74,813 | $896 |
| Powell | 6,503 | $63,523 | $764 |
| Douglas | 6,420 | $83,147 | $841 |
| Torrington | 6,182 | $47,902 | $901 |
| Ranchettes | 5,949 | $121,445 | $831 |
| Worland | 4,794 | $63,357 | $703 |
| South Greeley | 4,631 | $56,844 | $1,376 |
| Buffalo | 4,572 | $62,629 | $1,019 |
| Mills | 4,390 | $50,656 | $1,073 |
| Fox Farm-College | 4,019 | $48,516 | $1,093 |
| Wheatland | 3,550 | $58,750 | $741 |
| Newcastle | 3,348 | $82,734 | $758 |
| Bar Nunn | 3,008 | $98,804 | $1,042 |
| Kemmerer | 2,972 | $76,626 | $824 |
| Glenrock | 2,941 | $64,806 | $862 |
| Warren AFB | 2,936 | $69,432 | $1,579 |
| Afton | 2,908 | $63,586 | $844 |
| Evansville | 2,779 | $76,893 | $1,004 |
| Thermopolis | 2,709 | $65,208 | $835 |
| Lovell | 2,422 | $60,154 | $626 |
Measured as a year of median rent against median household income, housing weighs most in South Greeley (29%) and least in Ranchettes (8%) among these 20 places.
Counties with the most residents
Population and housing costs for the 16 biggest of 23 counties in Wyoming.
| County | Residents | Median household income | Median gross rent | Median home value |
|---|---|---|---|---|
| Laramie County | 101,060 | $80,173 | $1,160 | $348,700 |
| Natrona County | 79,977 | $72,156 | $1,016 | $273,000 |
| Campbell County | 47,240 | $89,869 | $1,009 | $279,100 |
| Sweetwater County | 41,542 | $75,034 | $911 | $251,400 |
| Fremont County | 39,533 | $64,904 | $898 | $268,800 |
| Albany County | 38,249 | $61,917 | $931 | $333,000 |
| Sheridan County | 32,055 | $71,388 | $939 | $394,900 |
| Park County | 30,449 | $73,035 | $925 | $400,500 |
| Teton County | 23,396 | $124,172 | $1,904 | $1,633,900 |
| Uinta County | 20,644 | $82,980 | $900 | $290,000 |
| Lincoln County | 20,486 | $89,330 | $960 | $372,600 |
| Carbon County | 14,463 | $70,511 | $842 | $222,700 |
| Converse County | 13,762 | $81,558 | $866 | $292,700 |
| Goshen County | 12,605 | $58,929 | $778 | $239,600 |
| Big Horn County | 11,828 | $62,101 | $823 | $216,500 |
| Sublette County | 8,838 | $83,597 | $1,209 | $376,200 |
The richest county by median income is Teton County ($124,172); the lowest is Goshen County ($58,929). Check the row for your own county before you decide what payment is comfortable.
How Wyoming earns a living
Which sectors put Wyoming to work? The four biggest are below, alongside national shares.
| Sector | Share of Wyoming workers | National share | Difference |
|---|---|---|---|
| Education, health care and social assistance | 24% | 24% | +1.0 pts |
| Retail trade | 11% | 11% | +0.0 pts |
| Agriculture, forestry, fishing and mining | 9% | 2% | +7.6 pts |
| Arts, entertainment, lodging and food service | 9% | 9% | +0.3 pts |
Relative to the nation, agriculture, forestry, fishing and mining is overrepresented in Wyoming (9% vs 2%). Pay rhythm differs by industry. Shift and seasonal work swings month to month, so size a payment to your slowest normal month.
More context for Wyoming budgets
Wyoming's median household income is $76,176, 30th of 51 and 6% below the U.S. figure of $80,734. A lender never sees the state median, only your own documented income, but the median tells you what a typical payment has to fit inside.
Education and age round out the picture: 31% of Wyoming adults have at least a bachelor's degree (U.S.: 36%), the median age is 39.1, and the Gini index is 0.454.
Census figures put 22% of Wyoming households below $35,000 in yearly income and 9% above $200,000. If your household sits under $30,000 a year, start with credit unions, creditor hardship plans and nonprofit counseling before a personal loan.
Checking a lender in Wyoming
Before you share details with any lender, confirm it may lend in Wyoming. The Wyoming Division of Banking is the state banking agency listed in the Conference of State Bank Supervisors directory.
- Ask for the lender's license number and look it up on NMLS Consumer Access.
- An upfront fee to "secure" a loan is a warning sign the FTC describes here.
- File any complaint with the state agency, or with the CFPB.
Can Wyoming residents use the questionnaire?
Not every state has a lending partner yet. Choose Wyoming on the location step and the questionnaire will tell you right away whether matching is open; if it is not, you can leave an email for the waitlist.
Local guides in Wyoming
City guides for Wyoming are on our list. Until then, this page is the guide for every Wyoming town, and the local guides search will bring you back here.
Frequently asked questions
Where do I check a lender's license in Wyoming?
In Wyoming, the Wyoming Division of Banking is the banking agency named by the Conference of State Bank Supervisors. You can also search a lender on NMLS Consumer Access and file complaints with the CFPB.
What do households in Wyoming earn?
About $76,176. Half of Wyoming households earn more and half less; nationally the midpoint is $80,734.
What is the median rent in Wyoming?
Median gross rent is $992 a month, and 43% of renter households spend 30 percent or more of income on rent (ACS 2020 to 2024). Nationally the figures are $1,413 and 51%.
How common are long commutes in Wyoming?
10% of Wyoming workers travel 45 minutes or more to work, against 17% nationally (ACS 2020 to 2024). Long drives raise fuel and repair costs, so build them into any loan budget.