City · 33,431 residents · Campbell County, Wyoming

Gillette , Wyoming

In Gillette, a typical home is worth $264,500 and typical rent is $976 a month. Compared with all of Campbell County, typical household income is 10% lower and the typical home value is 5% lower.

Typical home value

$264,500

5% below the county

15% below Wyoming
- Gillette
- Campbell
- Wyoming
Typical rent

$976a month

3% below the county

About the same as Wyoming
- Gillette
- Campbell
- Wyoming
Typical household income

$81,316a year

10% below the county

7% above Wyoming
- Gillette
- Campbell
- Wyoming
Households that own their home

73%

4 points below the county

1 points above Wyoming
- Gillette
- Campbell
- Wyoming

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

Market now, with Zillow data

Zillow data

Typical home value: $339,035; 3% less than 12 months ago; Typical home value from Zillow, September 2021 to September 2026: from $285,251 to $339,035.
Typical rent: $1,265 a month; 3.7% more than 12 months ago; Typical rent from Zillow, June 2023 to September 2026: from $1,150 to $1,265.

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

Gillette is in Campbell 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 Campbell County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Gillette apart

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

Nearby, in Torrington, the typical home value is $197,500: 25% less than in Gillette ($264,500).
According to Zillow, in the 12 months to September 2026 the typical home value in Gillette fell 3%; in Wyoming, it rose 1.5%.
Nearby, in Powell, the typical rent is $764: 22% less than in Gillette ($976).
Gillette has the 2nd largest share of rent-burdened renters of the 16 cities in Wyoming with more than 5,000 people (53%).

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

The homes here

Housing in Gillette

What homes there are in Gillette, 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

Kind of home: Gillette and its comparisons
Measure	Gillette	Campbell County	Wyoming	United States
Detached house	51%	56%	68%	61%
Attached house	9%	6%	5%	6%
Building of 2 to 4	9%	7%	6%	8%
Apartments (5 or more)	15%	11%	9%	19%
Mobile home	17%	20%	12%	6%
Boat, RV and other	Unreliable estimate	Unreliable estimate	0%	0%

The detached house is still the most common home in Gillette, but it weighs less than in Campbell County: 51% against 56%.

Year built

Year built: Gillette and its comparisons
Measure	Gillette	Campbell County	Wyoming	United States
Before 1960	3%	4%	23%	26%
1960–1979	28%	26%	26%	24%
1980–1999	27%	30%	25%	25%
2000–2009	27%	26%	14%	14%
2010 or later	16%	14%	12%	11%

The typical year built in Gillette is 1991, about the same as in Campbell County (1991).

Homes in Gillette are smaller: 69% have 3 bedrooms or more; in Campbell County, 74%.

What it costs here

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

Value of owner-occupied homes

Value of owner-occupied homes: Gillette and its comparisons
Measure	Gillette
Under $100K	13%
$100K–$200K	12%
$200K–$300K	39%
$300K–$500K	29%
$500K–$750K	5%
$750K–$1M	Unreliable estimate
$1M or more	Unreliable estimate

The FHA loan limit for Campbell County is $541,287, and about 94% of owner-occupied homes in Gillette are worth less than that.

Monthly rent with utilities

Monthly rent with utilities: Gillette and its comparisons
Measure	Gillette
Under $500	Unreliable estimate
$500–$999	49%
$1,000–$1,499	40%
$1,500–$1,999	Unreliable estimate
$2,000–$2,499	Unreliable estimate
$2,500–$2,999	Unreliable
$3,000 or more	Unreliable estimate

With a mortgage

$1,746 a month

Campbell County: $1,841 a month

Without a mortgage

$594 a month

Campbell County: $593 a month

Owners with a mortgage

63%

Campbell County: 61%

Owning costs less in Gillette: with a mortgage, the typical cost is $1,746 a month; in Campbell County, $1,841. Without one, $594.

How it changed

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

Change since 2015–2019

Change since 2015–2019: Gillette and its comparisons
Measure	Gillette	Campbell County	Wyoming	United States
Typical home value	+22%	+25%	+41%	+53%
Typical rent	No clear change	No clear change	+16%	+33%
Typical household income	No clear change	+9%	+19%	+29%

Homes in Gillette gained value more slowly than in Campbell County: 22% since 2015–2019, against 25%.

The typical rent in Gillette stayed about the same over that time: the difference is within the Census margin of error.

How people live

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

How people live: Gillette and its comparisons
Measure	Gillette	Campbell County	Wyoming	United States
Rental vacancy	16.1%	14.5%	6.0%	5.5%
Homeowner vacancy	Unreliable estimate	Unreliable estimate	0.9%	0.9%
More than one person per room	Unreliable estimate	Unreliable estimate	1.9%	3.4%
People per household	2.60	2.60	2.34	2.53
Drive alone	81%	78%	75%	69%
Carpool	10%	12%	9%	9%
Public transit	Unreliable estimate	Unreliable estimate	1%	3%
Walk or bike	3%	3%	4%	3%
Work from home	4%	6%	9%	15%
Other means	Unreliable estimate	Unreliable estimate	1%	2%
Typical commute	10 to 19 minutes	10 to 19 minutes	10 to 19 minutes	20 to 29 minutes

The rental vacancy rate in Gillette is 16.1%, higher than in Campbell County (14.5%).

A household in Gillette has 2.60 people on average, about the same as in Campbell County (2.60).

To get to work, 81% of workers in Gillette drive alone; in Campbell County, 78%.

Do the math

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

A typical home is tight for the typical income

We start with a typical home in Gillette, worth $264,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 31% of the typical household income in Gillette, which is $81,316 a year. For that payment to be 28% of income, a household would need to earn about $90,617 a year.

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

The simple kitchen of an apartment, with an electric stove, a refrigerator and wood cabinets.

Change the price, the down payment or the loan: the payment updates right away.

Your numbers

Home priceLocal data

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

Your credit score

620 or higher580 to 619500 to 579Under 500

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

Down payment

That is $9,258 (3.5% of the price). The usual minimum for this loan is 3.5%.

Interest rate%

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

Term

30 years20 years15 years

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

Adjust advanced details

Property tax per year$Estimate: the typical effective rate in Gillette is 0.6% of the home's value (Census ACS).Home insurance per year$An example, not official data: get quotes from several insurers.HOA dues per month$Add the FHA upfront mortgage insurance premium to the loan

Estimated monthly payment

Local data

$2,114

at 7.18% · 30 years

Loan amount: $259,709
Total interest: $373,660
Paid off in: November 2056

Includes $4,467 FHA upfront mortgage insurance premium.

Does it fit the income?

Comfortable
up to $1,897 a month
Tight
$1,897 to $2,439 a month
Your payment · 31%
Hard
more than $2,439 a month

Compared with the typical household income in Gillette ($81,316 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as

Payment partsBalance and interestPayment table

Monthly payment breakdown
Principal & interest	$1,759
Property tax	$128
Home insurance	$110
FHA mortgage insurance (MIP)	$117

You need at least $9,258 for the down payment, plus closing costs.

Next step

See which down payment help you qualify for in Gillette

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

Gillette and Campbell County

Gillette is in Campbell 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).

Gillette's own numbers

Typical home value: $264,500
Typical monthly rent: $976
Typical yearly household income: $81,316
Households that own their home: 73%
Effective property tax rate: 0.58%

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

Numbers for all of Campbell County

FHA limit, one-unit home: $541,287
Conventional limit, one unit: $832,750
HUD fair market rent, 2 bedrooms: $1,039
Price change over 5 years (FHFA): +39%
Homes in a high flood-risk zone: 0.6%

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 Campbell County.

Everything about Campbell County

Buying

Buying a home in Gillette

A typical home in Gillette is worth $264,500: 5% below the county and 15% below Wyoming. With the typical household income in Gillette ($81,316 a year), a typical home costs 3.3 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.

Gillette 3.3 years
Campbell 3.1 years
Wyoming 4.1 years
United States 4.1 years

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

How prices have changed in Campbell County

According to FHFA’s house price index, home prices in Campbell County rose 43% in the 10 years through 2025.

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

2016: −2.7%
2017: −3.0%
2018: +3.5%
2019: +2.4%
2020: +2.9%
2021: +5.7%
2022: +12.8%
2023: +6.5%
2024: +4.8%
2025: +4.3%

Change in FHFA’s price index in Campbell County, Wyoming and the United States
Period	County	Wyoming	U.S.
Last year (2025)	+4.3%	+4.1%	+2.9%
5 years (2020–2025)	+39%	+44%	+47%
10 years (2015–2025)	+43%	+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

Gillette next to Campbell 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

Gillette $264,500
Campbell $279,100
Wyoming $309,700
United States $332,700

Typical monthly rent

Gillette $976
Campbell $1,009
Wyoming $992
United States $1,413

Typical yearly household income

Gillette $81,316
Campbell $89,869
Wyoming $76,176
United States $80,734

See the full table

Gillette next to Campbell County and Wyoming
Measure	Gillette	Campbell County	Wyoming	U.S.
Typical home value	$264,500 5% below the county	$279,100	$309,700	$332,700
Typical monthly rent	$976 3% below the county	$1,009	$992	$1,413
Typical yearly household income	$81,316 10% below the county	$89,869	$76,176	$80,734
Households that own their home	73% 4 points below the county	78%	72%	65%
Typical yearly property tax	$1,525 5% below the county	$1,599	$1,767	$3,119
Effective property tax rate	0.58% 0.01 points above the county	0.57%	0.57%	0.94%
Renters with high rent for their income	53% 3 points above the county	50%	43%	51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Campbell 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 Gillette

For a typical $264,500 home in Gillette, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Gillette's typical property tax, an example home insurance and mortgage insurance when it applies.

FHA, 3.5% down $2,114a month
Least cash to close

Down payment
$9,258

Cash to close
$17,193

Rate
7.18%

Mortgage insurance
FHA MIP · $117
Conventional, 5% down $2,066a month

Down payment
$13,225

Cash to close
$21,160

Rate
7.18%

Mortgage insurance
PMI · $126
Conventional, 20% down, no PMI $1,672a month

Down payment
$52,900

Cash to close
$60,835

Rate
7.18%

Mortgage insurance
None
ITIN, 15% down (example) $1,916a month

Down payment
$39,675

Cash to close
$47,610

Rate
8.18%

Mortgage insurance
None

Four ways to pay for a typical home in Gillette
Loan	Monthly payment	Down payment	Loan amount	Rate	Mortgage insurance	Cash to close	Minimum score
FHA, 3.5% down Least cash to close	$2,114	$9,258	$259,709	7.18%	FHA MIP · $117	$17,193	580
Conventional, 5% down	$2,066	$13,225	$251,275	7.18%	PMI · $126	$21,160	620*
Conventional, 20% down, no PMI	$1,672	$52,900	$211,600	7.18%	None	$60,835	620*
ITIN, 15% down (example)	$1,916	$39,675	$224,825	8.18%	None	$47,610	Set by the lender

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 Gillette and for Campbell County.

Property tax

Effective rate in Gillette

0.58%of the home’s value each year

$1,525 a year for the typical owner in Gillette.

Gillette 0.58%
Campbell 0.57%
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 Campbell County

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

Homes in the high-risk zone: 0.6%; 125
Of those, with NFIP insurance: 7.2%

Homes in the high-risk zone and with NFIP insurance: Campbell County, Wyoming and the U.S.
Measure	County	Wyoming	U.S.
Homes in the high-risk zone	0.6%	1.8%	3.5%
Of those, with NFIP insurance	7.2%	15%	48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Gillette

Typical rent in Gillette is $976 a month: 3% below the county. In Gillette, 53% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Campbell County, by unit size. To pay the 2-bedroom one ($1,039 a month) without spending more than 30% of your income, you would need to earn $19.98 an hour working full time.

HUD fair market rent for all of Campbell County

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

HUD fair market rent in Campbell County (Fiscal year 2027)
Size	Fair rent a month	Hourly wage	Yearly income
Studio	$810	$15.58	$32,400
1 bedroom	$851	$16.37	$34,040
2 bedrooms	$1,039	$19.98	$41,560
3 bedrooms	$1,413	$27.17	$56,520
4 bedrooms	$1,737	$33.40	$69,480

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 Gillette

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Gillette has 2 ZIP codes with their own.

For 2 bedrooms it runs from $1,000 in 82716 to $1,100 in 82718.

1 of the 2 is above the fair market rent for Campbell County ($1,039).

Fair market rent by ZIP code and size in Gillette, fiscal year 2027.

82716	$780	$820	$1,000	$1,360	$1,670
82718	$860	$900	$1,100	$1,500	$1,840

ZIP code 2 bd3 bd
82716 $1,000$1,360
82718 $1,100$1,500

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Gillette 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) (external site) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file (external site)

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Gillette

HUD lists 16 buildings with rents for lower incomes in Gillette. These are the largest.

Parkside Apts 2513 Dogwood Ave, Gillette 82718 94 low-income homes · For families (307) 687-1998
Parkside Apts 103 E Walnut St, Gillette 82718 93 low-income homes · 1 bd: 24 · 2 bd: 69 · In service since 2007 · For families
Desert Run Apts 1001 Desert Hills Cir, Gillette 82716 75 low-income homes · 2 bd: 19 · 3 bd: 46 · 4 bd: 10 · In service since 2003 · For families
Antelope Ridge Apts 2501 Ledoux Ave, Gillette 82718 71 low-income homes · 1 bd: 16 · 2 bd: 32 · 3 bd: 23 · In service since 2009 · For families
Elm Court Apts 822 N Gurley Ave, Gillette 82716 71 low-income homes · 1 bd: 16 · 2 bd: 31 · 3 bd: 24 · In service since 2008 · For families

See all 16 buildings in Campbell County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Gillette

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 Campbell County. The nearest ones are below; many serve by phone or online.

Local programs None For Gillette or Campbell County
Housing authorities None Named for Gillette or Campbell County
Counseling agencies None HUD-approved, with an office in Campbell County
Local legal help None Serves Campbell County

Two women and a girl laugh together at the bus stop.

HUD counseling is free or low-cost

Assistance programs in Gillette

No down payment, repair or rent-help program on our list is for Gillette or Campbell County. The ones below are statewide in Wyoming: they work in Gillette 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 Gillette

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

WH
Wyoming Housing Network, Inc.

2345 E 2nd St, Casper · 106 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 Gillette

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 Gillette

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

All housing agencies in Wyoming Source: HUD

Legal help in Gillette

No legal help resource on our list is for Gillette or Campbell County in particular.

If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.

Cities

Nearby cities

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

Everything about Campbell County Housing in Wyoming

Neighboring counties

If Campbell 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 Gillette.

All guides

A couple spread mulch under the avocado trees of their family orchard, he on the tractor and she with a shovel.

Questions

Housing questions about Gillette

Short answers with the numbers for Gillette and all of Campbell 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 Gillette?

The typical home value in Gillette is $264,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Campbell County it is $279,100.

How much does it cost to rent in Gillette?

Typical rent in Gillette is $976 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Campbell County is $1,039.

What is the FHA loan limit in Gillette?

Gillette uses the FHA limit for all of Campbell 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 Gillette?

The typical homeowner in Gillette pays $1,525 a year, according to the U.S. Census Bureau. That is 0.58% of the home’s value; in Campbell County, the rate is 0.57%.

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

We found no HUD-approved counseling agencies with an office in Campbell 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).

Gillette , Wyoming

Gillette in numbers

Market now, with Zillow data

What sets Gillette apart

Housing in Gillette

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

Your numbers

Gillette and Campbell County

Buying a home in Gillette

Years of income to pay for a typical home

How prices have changed in Campbell County

Gillette next to Campbell County, Wyoming and the U.S.

Four ways to pay for a typical home in Gillette

Two costs that change from place to place

Property tax

Flood risk in Campbell County

Renting in Gillette

HUD fair market rent for all of Campbell County

Fair market rent by ZIP code in Gillette

Low-income apartments in Gillette

Help to buy or rent in Gillette

Assistance programs in Gillette

Home$tretch Down Payment Assistance

Amortizing DPA Loan Product

Mortgage Credit Certificate (MCC)

Housing counselors near Gillette

Help in Spanish near Gillette

Housing authorities of Gillette

Legal help in Gillette

Nearby cities

Neighboring counties

Guides for your next step

Housing questions about Gillette

How much does a typical home cost in Gillette?

How much does it cost to rent in Gillette?

What is the FHA loan limit in Gillette?

How much property tax do owners pay in Gillette?

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