In Lander, a typical home is worth $337,100 and typical rent is $896 a month. Compared with all of Fremont County, the typical home value is 25% higher and typical household income is 15% higher.
Typical home value from Zillow, September 2021 to September 2026: from $290,108 to $386,154.
Typical rent
$1,521a month
Typical rent from Zillow, June 2026 to September 2026: from $1,524 to $1,521.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Lander is in Fremont 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 Fremont County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Rawlins, the typical home value is $217,100: 36% less than in Lander ($337,100).
2
The typical home in Lander is worth $337,100,25% more than in Fremont County as a whole ($268,800).
3
Nearby, in Rawlins, the typical rent is $741: 17% less than in Lander ($896).
4
The typical household income in Lander is $74,813,15% more than in Fremont County as a whole ($64,904).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Lander
What homes there are in Lander, 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
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Lander
Fremont County
Wyoming
United States
Kind of home: Lander and its comparisons
Measure
Lander
Fremont County
Wyoming
United States
Detached house
65%
71%
68%
61%
Attached house
6%
3%
5%
6%
Building of 2 to 4
Unreliable estimate
3%
6%
8%
Apartments (5 or more)
Unreliable estimate
6%
9%
19%
Mobile home
13%
17%
12%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Lander, 7 in 10 homes are single-family detached houses; in Fremont County, 7.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Lander
Fremont County
Wyoming
United States
Year built: Lander and its comparisons
Measure
Lander
Fremont County
Wyoming
United States
Before 1960
28%
22%
23%
26%
1960–1979
38%
32%
26%
24%
1980–1999
20%
25%
25%
25%
2000–2009
10%
15%
14%
14%
2010 or later
Unreliable estimate
6%
12%
11%
Homes in Lander are older: the typical year built is 1973; in Fremont County, 1978.
Much as in Fremont County, 58% of homes in Lander have 3 bedrooms or more.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200KUnreliable
$200K–$300K22%
$300K–$500K48%
$500K–$750K15%
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Lander and its comparisons
Measure
Lander
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
22%
$300K–$500K
48%
$500K–$750K
15%
$750K–$1M
Unreliable
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99954%
$1,000–$1,49937%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Lander and its comparisons
Measure
Lander
Under $500
Unreliable estimate
$500–$999
54%
$1,000–$1,499
37%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,699 a month
Fremont County: $1,629 a month
Without a mortgage
$464 a month
Fremont County: $490 a month
Owners with a mortgage
57%
Fremont County: 48%
Owning costs about the same in Lander as in Fremont County: with a mortgage, $1,699 a month; without one, $464.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Lander+56%
Fremont County+37%
Wyoming+41%
United States+53%
Typical rent
LanderNo clear change
Fremont County+14%
Wyoming+16%
United States+33%
Typical household income
Lander+29%
Fremont County+16%
Wyoming+19%
United States+29%
Change since 2015–2019: Lander and its comparisons
Measure
Lander
Fremont County
Wyoming
United States
Typical home value
+56%
+37%
+41%
+53%
Typical rent
No clear change
+14%
+16%
+33%
Typical household income
+29%
+16%
+19%
+29%
Since 2015–2019, homes in Lander gained value faster than in Fremont County: 56% against 37%.
Since 2015–2019, the typical rent in Lander did not change clearly, according to the Census.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Lander and its comparisons
Measure
Lander
Fremont County
Wyoming
United States
Rental vacancy
Unreliable estimate
Unreliable estimate
6.0%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.9%
0.9%
More than one person per room
Unreliable estimate
4.1%
1.9%
3.4%
People per household
2.39
2.56
2.34
2.53
Drive alone
71%
74%
75%
69%
Carpool
11%
10%
9%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
8%
5%
4%
3%
Work from home
8%
10%
9%
15%
Other means
Unreliable estimate
2%
1%
2%
Typical commute
Unreliable estimate
10 to 19 minutes
10 to 19 minutes
20 to 29 minutes
On average, a household in Lander has 2.39 people, fewer than in Fremont County (2.56).
Many here get to work on foot or by bike: 8%, more than in Fremont County (5%).
Do the math
What would you pay each month for a home in Lander?
A typical home costs more than the typical income allows
We start with a typical home in Lander, worth $337,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 43% of the typical household income in Lander, which is $74,813 a year. For that payment to be 28% of income, a household would need to earn about $115,369 a year.
The calculator's FHA and conventional loan limits are those of all of Fremont County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Lander. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $11,799 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$2,692
at 7.18% · 30 years
Loan amount
$330,994
Total interest
$476,222
Paid off in
November 2056
Includes $5,693 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,746 a month
Tight
$1,746 to $2,244 a month
Hard
more than $2,244 a month
Your payment · 43%
Compared with the typical household income in Lander ($74,813 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,242
Property tax
$160
Home insurance
$141
FHA mortgage insurance (MIP)
$149
You need at least $11,799 for the down payment, plus closing costs.
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.
Total monthly payment $2,692; principal and interest $2,242.
The city and its county
Lander and Fremont County
Lander is in Fremont 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).
Lander
Map of Fremont County, Wyoming, with Lander marked. Around it, the neighboring counties.
Lander
Fremont County
Other cities with a page
Lander's own numbers
Typical home value
$337,100
Typical monthly rent
$896
Typical yearly household income
$74,813
Households that own their home
67%
Effective property tax rate
0.57%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Fremont County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$999
Price change over 5 years (FHFA)
+54%
Homes in a high flood-risk zone
0.8%
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 Fremont County.
A typical home in Lander is worth $337,100: 25% above the county and 9% above Wyoming. With the typical household income in Lander ($74,813 a year), a typical home costs 4.5 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.
Lander4.5 years
Fremont4.1 years
Wyoming4.1 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Fremont County
According to FHFA’s house price index, home prices in Fremont County rose 68% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Fremont County.
Yearly change in FHFA’s price index in Fremont County, 2016 to 2025
2016: 0.0% 0.0% 2016
2017: +0.5% +0.5% 2017
2018: +2.0% +2.0% 2018
2019: +4.9% +4.9% 2019
2020: +1.5% +1.5% 2020
2021: +11.7% +11.7% 2021
2022: +19.8% +19.8% 2022
2023: +8.8% +8.8% 2023
2024: +1.3% +1.3% 2024
2025: +4.4% +4.4% 2025
Change in FHFA’s price index in Fremont County, Wyoming and the United States
Period
County
Wyoming
U.S.
Last year (2025)
+4.4%
+4.1%
+2.9%
5 years (2020–2025)
+54%
+44%
+47%
10 years (2015–2025)
+68%
+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
Lander next to Fremont 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
Lander$337,100
Fremont$268,800
Wyoming$309,700
United States$332,700
Typical monthly rent
Lander$896
Fremont$898
Wyoming$992
United States$1,413
Typical yearly household income
Lander$74,813
Fremont$64,904
Wyoming$76,176
United States$80,734
See the full table
Lander next to Fremont County and Wyoming
Measure
Lander
Fremont County
Wyoming
U.S.
Typical home value
$337,100 ▲25% above the county
$268,800
$309,700
$332,700
Typical monthly rent
$896
$898
$992
$1,413
Typical yearly household income
$74,813 ▲15% above the county
$64,904
$76,176
$80,734
Households that own their home
67% ▼3 points below the county
70%
72%
65%
Typical yearly property tax
$1,915 ▲15% above the county
$1,671
$1,767
$3,119
Effective property tax rate
0.57% ▼0.05 points below the county
0.62%
0.57%
0.94%
Renters with high rent for their income
45% ▲8 points above the county
38%
43%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Fremont 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 Lander
For a typical $337,100 home in Lander, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Lander's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,692a month
Least cash to close
Down payment
$11,799
Cash to close
$21,912
Rate
7.18%
Mortgage insurance
FHA MIP · $149
Conventional, 5% down$2,630a month
Down payment
$16,855
Cash to close
$26,968
Rate
7.18%
Mortgage insurance
PMI · $160
Conventional, 20% down, no PMI$2,127a month
Down payment
$67,420
Cash to close
$77,533
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,439a month
Down payment
$50,565
Cash to close
$60,678
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Lander
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,692
$11,799
$330,994
7.18%
FHA MIP · $149
$21,912
580
Conventional, 5% down
$2,630
$16,855
$320,245
7.18%
PMI · $160
$26,968
620*
Conventional, 20% down, no PMI
$2,127
$67,420
$269,680
7.18%
None
$77,533
620*
ITIN, 15% down (example)
$2,439
$50,565
$286,535
8.18%
None
$60,678
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.
Typical rent in Lander is $896 a month: about the same as the county. In Lander, 45% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Fremont County, by unit size. To pay the 2-bedroom one ($999 a month) without spending more than 30% of your income, you would need to earn $19.21 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Fremont County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$797
$15.33
$31,880
1 bedroom
$802
$15.42
$32,080
2 bedrooms
$999
$19.21
$39,960
3 bedrooms
$1,367
$26.29
$54,680
4 bedrooms
$1,670
$32.12
$66,800
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 Lander
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Lander is in ZIP code 82520.
For 2 bedrooms it is $1,000: $1 more than the fair market rent for Fremont County ($999).
Fair market rent by ZIP code and size in Lander, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
82520
$800
$800
$1,000
$1,370
$1,670
ZIP code2 bd3 bd
82520 $1,000$1,370
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Lander 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
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 Fremont County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Lander or Fremont County. The ones below are statewide in Wyoming: they work in Lander the same as in the rest of the state.
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).
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).
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).
No legal help resource on our list is for Lander or Fremont 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.
Short answers with the numbers for Lander and all of Fremont 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 Lander?
The typical home value in Lander is $337,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Fremont County it is $268,800.
How much does it cost to rent in Lander?
Typical rent in Lander is $896 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Fremont County is $999.
What is the FHA loan limit in Lander?
Lander uses the FHA limit for all of Fremont 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 Lander?
The typical homeowner in Lander pays $1,915 a year, according to the U.S. Census Bureau. That is 0.57% of the home’s value; in Fremont County, the rate is 0.62%.
Where can I find free help to buy or rent in Lander?
We found no HUD-approved counseling agencies with an office in Fremont County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
