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City · 10,276 residents · Park County, Wyoming

Cody , Wyoming

In Cody, a typical home is worth $378,500 and typical rent is $1,051 a month. Compared with all of Park County, typical rent is 14% higher, the typical home value is 5% lower, and the share of households that own their home is 6 points lower.

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  • Typical home value

    $378,500

    5% below the county

    22% above Wyoming

    • Cody
    • Park
    • Wyoming

  • Typical rent

    $1,051a month

    14% above the county

    6% above Wyoming

    • Cody
    • Park
    • Wyoming

  • Typical household income

    $72,570a year

    About the same as the county

    5% below Wyoming

    • Cody
    • Park
    • Wyoming

  • Households that own their home

    69%

    6 points below the county

    2 points below Wyoming

    • Cody
    • Park
    • Wyoming

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$477,546
3.5% less than 12 months ago
Typical rent
$1,538 a month

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Cody is in Park County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Park County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Cody apart

What this place has that others do not, from public data, most unusual first.

  1. Nearby, in Riverton, the typical home value is $219,400: 42% less than in Cody ($378,500).

  2. Nearby, in Powell, the typical rent is $764: 27% less than in Cody ($1,051).

  3. According to Zillow, in the 12 months to September 2026 the typical home value in Cody fell 3.5%; in Wyoming, it rose 1.5%.

  4. 69% of households in Cody own their home, against 75% in Park County.

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in Cody

What homes there are in Cody, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

In Cody, 7 in 10 homes are single-family detached houses; in Park County, 8.

Year built

In Cody, half of the homes were built before 1982; in Park County, before 1983.

There are fewer big homes in Cody than in Park County: 60% have 3 bedrooms or more, against 65%.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$1,517 a month

Park County: $1,682 a month

Without a mortgage

$547 a month

Park County: $567 a month

Owners with a mortgage

54%

Park County: 55%

The typical cost for an owner with a mortgage in Cody is $1,517 a month, less than in Park County ($1,682); without one, $547.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

Since 2015–2019, homes in Cody gained value faster than in Park County: 60% against 49%.

Since 2015–2019, the typical rent in Cody did not change clearly, according to the Census.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureCodyPark CountyWyomingUnited States
Rental vacancy Unreliable estimateUnreliable estimate6.0%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.9%0.9%
More than one person per room Unreliable estimateUnreliable estimate1.9%3.4%
People per household 2.122.212.342.53
Drive alone 82%73%75%69%
Carpool 6%9%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate6%4%3%
Work from home 8%12%9%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute Unreliable estimate10 to 19 minutes10 to 19 minutes20 to 29 minutes

By size, households in Cody look like those in Park County: 2.12 people on average.

To get to work, 82% of workers in Cody drive alone; in Park County, 73%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Cody?

A typical home costs more than the typical income allows

We start with a typical home in Cody, worth $378,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 50% of the typical household income in Cody, which is $72,570 a year. For that payment to be 28% of income, a household would need to earn about $129,808 a year.

The calculator's FHA and conventional loan limits are those of all of Park County.

Your numbers

Local data
$

Starts at the typical home value in Cody. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $13,248 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$3,029

at 7.18% · 30 years

Loan amount
$371,644
Total interest
$534,708
Paid off in
November 2056

Includes $6,392 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,693 a month

  • Tight

    $1,693 to $2,177 a month

  • Hard

    more than $2,177 a month

    Your payment · 50%

Compared with the typical household income in Cody ($72,570 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,029
Principal & interest$2,518
Property tax$186
Home insurance$158
FHA mortgage insurance (MIP)$167

You need at least $13,248 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Cody and Park County

Cody is in Park County, Wyoming. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Cody's own numbers

Typical home value
$378,500
Typical monthly rent
$1,051
Typical yearly household income
$72,570
Households that own their home
69%
Effective property tax rate
0.59%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Park County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,016
Price change over 5 years (FHFA)
+64%
Homes in a high flood-risk zone
2.8%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Park County.

Everything about Park County

Buying

Buying a home in Cody

A typical home in Cody is worth $378,500: 5% below the county and 22% above Wyoming. With the typical household income in Cody ($72,570 a year), a typical home costs 5.2 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Cody 5.2 years
  • Park 5.5 years
  • Wyoming 4.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Park County

According to FHFA’s house price index, home prices in Park County rose 100% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Park County.

Period County Wyoming U.S.
Last year (2025) +3.1% +4.1% +2.9%
5 years (2020–2025) +64% +44% +47%
10 years (2015–2025) +100% +68% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Cody next to Park County, Wyoming and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Cody $378,500
  • Park $400,500
  • Wyoming $309,700
  • United States $332,700
Typical monthly rent
  • Cody $1,051
  • Park $925
  • Wyoming $992
  • United States $1,413
Typical yearly household income
  • Cody $72,570
  • Park $73,035
  • Wyoming $76,176
  • United States $80,734
See the full table
Cody next to Park County and Wyoming
Measure Cody Park County Wyoming U.S.
Typical home value $378,500 $400,500 $309,700 $332,700
Typical monthly rent $1,051 $925 $992 $1,413
Typical yearly household income $72,570 $73,035 $76,176 $80,734
Households that own their home 69% 75% 72% 65%
Typical yearly property tax $2,247 $2,262 $1,767 $3,119
Effective property tax rate 0.59% 0.56% 0.57% 0.94%
Renters with high rent for their income 42% 42% 43% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Park County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Cody

For a typical $378,500 home in Cody, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Cody's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,029a month

    Least cash to close
    Down payment
    $13,248
    Cash to close
    $24,603
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $167

  • Conventional, 5% down $2,959a month

    Down payment
    $18,925
    Cash to close
    $30,280
    Rate
    7.18%
    Mortgage insurance
    PMI · $180

  • Conventional, 20% down, no PMI $2,395a month

    Down payment
    $75,700
    Cash to close
    $87,055
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,745a month

    Down payment
    $56,775
    Cash to close
    $68,130
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Cody and for Park County.

Property tax

Effective rate in Cody

0.59%of the home’s value each year

$2,247 a year for the typical owner in Cody.

  • Cody 0.59%
  • Park 0.56%
  • Wyoming 0.57%

What Wyoming publishes Homeowner's exemption: 25% of value (Wyoming State Legislature (Wyoming Statutes, Title 39))

Exemptions and deadlines in Wyoming

Flood risk in Park County

FEMA does not publish these numbers by city: they are for all of Park County.

Homes in the high-risk zone
2.8%
425
Of those, with NFIP insurance
2.6%
County Wyoming U.S.
Homes in the high-risk zone 2.8% 1.8% 3.5%
Of those, with NFIP insurance 2.6% 15% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Cody

Typical rent in Cody is $1,051 a month: 14% above the county. In Cody, 42% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Park County, by unit size. To pay the 2-bedroom one ($1,016 a month) without spending more than 30% of your income, you would need to earn $19.54 an hour working full time.

HUD fair market rent for all of Park County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $707 $13.60 $28,280
1 bedroom $777 $14.94 $31,080
2 bedrooms $1,016 $19.54 $40,640
3 bedrooms $1,380 $26.54 $55,200
4 bedrooms $1,698 $32.65 $67,920

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Cody

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Cody is in ZIP code 82414.

For 2 bedrooms it is $1,130: $114 more than the fair market rent for Park County ($1,016).

  • 82414 $1,130$1,540

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Cody when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Cody

HUD lists 7 buildings with rents for lower incomes in Cody. These are the largest.

  • Shoshone Court 2111 Pioneer Ave, Cody 82414 40 low-income homes · For families (307) 527-7639
  • Crystal Cove Apts 1619 Big Horn Ave, Cody 82414 24 low-income homes · 1 bd: 24 · In service since 1996 · For older adults
  • Crystal Cove Apts II 1605 Big Horn Ave, Cody 82414 24 low-income homes · 1 bd: 8 · 2 bd: 16 · In service since 1996 · For older adults, families
  • Grandview Apts 2012 Pioneer Ave, Cody 82414 24 low-income homes · 1 bd: 24 · In service since 1999 · For older adults
  • Cedar Bluff Apartments 2732 Cougar Ave, Cody 82414 24 homes, 23 low-income · 1 bd: 4 · 2 bd: 12 · 3 bd: 8 · In service since 2018

See all 12 buildings in Park County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Cody

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

We found no HUD-approved agencies with an office in Park County. The nearest ones are below; many serve by phone or online.

A grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in Cody

No down payment, repair or rent-help program on our list is for Cody or Park County. The ones below are statewide in Wyoming: they work in Cody the same as in the rest of the state.

Which programs do I qualify for? All programs in Wyoming

  • Home$tretch Down Payment Assistance

    Statewide in Wyoming

    Wyoming state authority loan of up to $15,000 for the down payment, at 0% with no monthly payments, repaid when you sell, refinance or after 30 years; alongside WCDA's First-time Homebuyer, Spruce Up or Edge mortgages. Offered by Wyoming Community Development Authority (WCDA).

    Deferred

    See the program Official page

  • Amortizing DPA Loan Product

    Statewide in Wyoming

    Wyoming state authority loan of up to $15,000 for the down payment, closing costs and prepaid expenses, at a fixed rate with low monthly payments for up to 10 years; only with WCDA's Advantage mortgage, which does not require you to be a first-time buyer. Offered by Wyoming Community Development Authority (WCDA).

    Repayable

    See the program Official page

  • Mortgage Credit Certificate (MCC)

    Statewide in Wyoming

    Wyoming state authority certificate that turns part of your mortgage interest into a credit on your federal taxes for the life of the loan, as long as you keep qualifying; for first-time buyers, only with WCDA's HFA Preferred or Advantage mortgages; if you pay the federal recapture tax, you may get a refund from WCDA. Offered by Wyoming Community Development Authority (WCDA).

    Tax credit

    See the program Official page

Housing counselors near Cody

The HUD-approved agencies closest to the center of Cody, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Wyoming Housing Network, Inc.

    2345 E 2nd St, Casper · 180 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (307) 472-5843

All counseling agencies in Wyoming

Help in Spanish near Cody

None of the 1 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Cody

HUD lists no housing authority with an office in Park County. One in a neighboring county or the state’s may serve the area.

All housing agencies in Wyoming Source: HUD

Cities

Other cities in Park County

These cities are also in Park County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Park County Housing in Wyoming

Nearby cities

The cities closest to Cody, with the typical home value.

Neighboring counties

If Park County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Cody.

All guides
Two parents walk hand in hand with their little daughter.

Questions

Housing questions about Cody

Short answers with the numbers for Cody and all of Park County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Cody?

The typical home value in Cody is $378,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Park County it is $400,500.

How much does it cost to rent in Cody?

Typical rent in Cody is $1,051 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Park County is $1,016.

What is the FHA loan limit in Cody?

Cody uses the FHA limit for all of Park County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Cody?

The typical homeowner in Cody pays $2,247 a year, according to the U.S. Census Bureau. That is 0.59% of the home’s value; in Park County, the rate is 0.56%.

Where can I find free help to buy or rent in Cody?

We found no HUD-approved counseling agencies with an office in Park County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).