In Ranchettes, a typical home is worth $617,500. Compared with all of Laramie County, the typical home value is 77% higher, typical household income is 51% higher, and the share of households that own their home is 24 points higher.
Ranchettes is in Laramie 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 Laramie County. See the county
What this place has that others do not, from public data, most unusual first.
1
Ranchettes has the highest homeownership rate of the 17 cities in Wyoming with more than 5,000 people: 95%.
2
Ranchettes has the highest typical household income of the 17 cities in Wyoming with more than 5,000 people: $121,445.
3
The typical home in Ranchettes is worth $617,500,77% more than in Laramie County as a whole ($348,700).
4
Nearby, in Torrington, the typical home value is $197,500: 68% less than in Ranchettes ($617,500).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Ranchettes
What homes there are in Ranchettes, 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
Ranchettes
Laramie County
Wyoming
United States
Kind of home: Ranchettes and its comparisons
Measure
Ranchettes
Laramie County
Wyoming
United States
Detached house
91%
66%
68%
61%
Attached house
Unreliable estimate
9%
5%
6%
Building of 2 to 4
Unreliable estimate
8%
6%
8%
Apartments (5 or more)
Unreliable estimate
8%
9%
19%
Mobile home
Unreliable estimate
8%
12%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Detached houses, standing on their own, make up 91% of homes here, against 66% in Laramie County.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Ranchettes
Laramie County
Wyoming
United States
Year built: Ranchettes and its comparisons
Measure
Ranchettes
Laramie County
Wyoming
United States
Before 1960
Unreliable estimate
25%
23%
26%
1960–1979
23%
25%
26%
24%
1980–1999
38%
21%
25%
25%
2000–2009
18%
13%
14%
14%
2010 or later
17%
16%
12%
11%
Here half of the homes date from 1994 or later; in Laramie County, from 1980 or later.
In Ranchettes, 91% of homes have 3 bedrooms or more, more than in Laramie County (71%).
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–$300KUnreliable
$300K–$500K24%
$500K–$750K43%
$750K–$1M24%
$1M or moreUnreliable
Value of owner-occupied homes: Ranchettes and its comparisons
Measure
Ranchettes
Under $100K
Unreliable estimate
$100K–$200K
Unreliable
$200K–$300K
Unreliable estimate
$300K–$500K
24%
$500K–$750K
43%
$750K–$1M
24%
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Ranchettes and its comparisons
Measure
Ranchettes
Under $500
Unreliable
$500–$999
Unreliable estimate
$1,000–$1,499
Unreliable
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$2,403 a month
Laramie County: $1,898 a month
Without a mortgage
$753 a month
Laramie County: $624 a month
Owners with a mortgage
54%
Laramie County: 65%
In Ranchettes, 54% of owners have a mortgage, and their typical cost is $2,403 a month, against $1,898 in Laramie County. Without one it drops to $753.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Ranchettes+63%
Laramie County+53%
Wyoming+41%
United States+53%
Typical household income
RanchettesNo clear change
Laramie County+20%
Wyoming+19%
United States+29%
Change since 2015–2019: Ranchettes and its comparisons
Measure
Ranchettes
Laramie County
Wyoming
United States
Typical home value
+63%
+53%
+41%
+53%
Typical rent
No data
+22%
+16%
+33%
Typical household income
No clear change
+20%
+19%
+29%
The typical home value in Ranchettes rose 63% since 2015–2019, more than in Laramie County (53%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Ranchettes and its comparisons
Measure
Ranchettes
Laramie 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
1.0%
1.9%
3.4%
People per household
2.49
2.30
2.34
2.53
Drive alone
74%
79%
75%
69%
Carpool
Unreliable estimate
9%
9%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
2%
4%
3%
Work from home
22%
9%
9%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
10 to 19 minutes
10 to 19 minutes
10 to 19 minutes
20 to 29 minutes
On average, a household in Ranchettes has 2.49 people, more than in Laramie County (2.30).
Working from home is more common in Ranchettes: 22%, against 9% in Laramie County.
Do the math
What would you pay each month for a home in Ranchettes?
A typical home costs more than the typical income allows
We start with a typical home in Ranchettes, worth $617,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 48% of the typical household income in Ranchettes, which is $121,445 a year. For that payment to be 28% of income, a household would need to earn about $209,128 a year. Note: at that price the loan is above the FHA limit for Laramie County ($541,287), so FHA would not insure it; the payment is only a reference.
The calculator's FHA and conventional loan limits are those of all of Laramie 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 Ranchettes. 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 $21,613 (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
$4,880
at 7.18% · 30 years
Loan amount
$606,315
Total interest
$872,345
Paid off in
November 2056
Includes $10,428 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,834 a month
Tight
$2,834 to $3,643 a month
Hard
more than $3,643 a month
Your payment · 48%
Compared with the typical household income in Ranchettes ($121,445 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$4,107
Property tax
$242
Home insurance
$257
FHA mortgage insurance (MIP)
$273
This loan is over the FHA limit
You'd borrow $595,887, but the FHA limit for a one-unit home in Ranchettes is $541,287. You'd need a bigger down payment or a different loan.
You need at least $21,613 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 $4,880; principal and interest $4,107.
The city and its county
Ranchettes and Laramie County
Ranchettes is in Laramie 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).
Ranchettes
Map of Laramie County, Wyoming, with Ranchettes marked. Around it, the neighboring counties.
Ranchettes
Laramie County
Other cities with a page
Ranchettes's own numbers
Typical home value
$617,500
Typical yearly household income
$121,445
Households that own their home
95%
Effective property tax rate
0.47%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Laramie County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,228
Price change over 5 years (FHFA)
+40%
Homes in a high flood-risk zone
1.5%
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 Laramie County.
A typical home in Ranchettes is worth $617,500: 77% above the county and 99% above Wyoming. With the typical household income in Ranchettes ($121,445 a year), a typical home costs 5.1 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.
Ranchettes5.1 years
Laramie4.3 years
Wyoming4.1 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Laramie County
According to FHFA’s house price index, home prices in Laramie County rose 80% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Laramie County.
Yearly change in FHFA’s price index in Laramie County, 2016 to 2025
2016: +5.0% +5.0% 2016
2017: +4.8% +4.8% 2017
2018: +4.5% +4.5% 2018
2019: +7.4% +7.4% 2019
2020: +4.8% +4.8% 2020
2021: +11.1% +11.1% 2021
2022: +14.0% +14.0% 2022
2023: +2.1% +2.1% 2023
2024: +4.1% +4.1% 2024
2025: +3.6% +3.6% 2025
Change in FHFA’s price index in Laramie County, Wyoming and the United States
Period
County
Wyoming
U.S.
Last year (2025)
+3.6%
+4.1%
+2.9%
5 years (2020–2025)
+40%
+44%
+47%
10 years (2015–2025)
+80%
+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
Ranchettes next to Laramie 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
Ranchettes$617,500
Laramie$348,700
Wyoming$309,700
United States$332,700
Typical yearly household income
Ranchettes$121,445
Laramie$80,173
Wyoming$76,176
United States$80,734
See the full table
Ranchettes next to Laramie County and Wyoming
Measure
Ranchettes
Laramie County
Wyoming
U.S.
Typical home value
$617,500 ▲77% above the county
$348,700
$309,700
$332,700
Typical yearly household income
$121,445 ▲51% above the county
$80,173
$76,176
$80,734
Households that own their home
95% ▲24 points above the county
71%
72%
65%
Typical yearly property tax
$2,912 ▲47% above the county
$1,980
$1,767
$3,119
Effective property tax rate
0.47% ▼0.1 points below the county
0.57%
0.57%
0.94%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Laramie 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 Ranchettes
For a typical $617,500 home in Ranchettes, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Ranchettes's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$4,880a month
Above the FHA limit for Laramie County ($541,287)
Down payment
$21,613
Cash to close
$40,138
Rate
7.18%
Mortgage insurance
FHA MIP · $273
Conventional, 5% down$4,766a month
Least cash to close
Down payment
$30,875
Cash to close
$49,400
Rate
7.18%
Mortgage insurance
PMI · $293
Conventional, 20% down, no PMI$3,846a month
Down payment
$123,500
Cash to close
$142,025
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$4,417a month
Down payment
$92,625
Cash to close
$111,150
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Ranchettes
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Above the FHA limit for Laramie County ($541,287)
$4,880
$21,613
$606,316
7.18%
FHA MIP · $273
$40,138
580
Conventional, 5% down Least cash to close
$4,766
$30,875
$586,625
7.18%
PMI · $293
$49,400
620*
Conventional, 20% down, no PMI
$3,846
$123,500
$494,000
7.18%
None
$142,025
620*
ITIN, 15% down (example)
$4,417
$92,625
$524,875
8.18%
None
$111,150
Set by the lender
The option that asks for the least cash to close is Conventional, 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.
The Census Bureau publishes no typical rent for Ranchettes. Below are the fair market rents for Laramie County.
HUD publishes a fair market rent for all of Laramie County, by unit size. To pay the 2-bedroom one ($1,228 a month) without spending more than 30% of your income, you would need to earn $23.62 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 Laramie County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$855
$16.44
$34,200
1 bedroom
$963
$18.52
$38,520
2 bedrooms
$1,228
$23.62
$49,120
3 bedrooms
$1,700
$32.69
$68,000
4 bedrooms
$2,053
$39.48
$82,120
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 Ranchettes
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Ranchettes is in ZIP code 82009.
For 2 bedrooms it is $1,260: $32 more than the fair market rent for Laramie County ($1,228).
Fair market rent by ZIP code and size in Ranchettes, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
82009
$880
$990
$1,260
$1,740
$2,110
ZIP code2 bd3 bd
82009 $1,260$1,740
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Ranchettes 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 Laramie 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 Ranchettes or Laramie County. The ones below are statewide in Wyoming: they work in Ranchettes 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 Ranchettes or Laramie 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 Ranchettes and all of Laramie 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 Ranchettes?
The typical home value in Ranchettes is $617,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Laramie County it is $348,700.
What is the FHA loan limit in Ranchettes?
Ranchettes uses the FHA limit for all of Laramie 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 Ranchettes?
The typical homeowner in Ranchettes pays $2,912 a year, according to the U.S. Census Bureau. That is 0.47% of the home’s value; in Laramie County, the rate is 0.57%.
Where can I find free help to buy or rent in Ranchettes?
We found no HUD-approved counseling agencies with an office in Laramie County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
