In Rawlins, a typical home is worth $217,100 and typical rent is $741 a month. Compared with all of Carbon County, typical rent is 12% lower, typical household income is 8% lower, and the share of households that own their home is 5 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $170,127 to $199,379.
Typical rent
$923a month
Typical rent from Zillow, December 2025 to September 2026: from $957 to $923.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Rawlins is in Carbon 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 Carbon County. See the county
What this place has that others do not, from public data, most unusual first.
1
Rawlins has the lowest typical rent of the 16 cities in Wyoming with more than 5,000 people: $741.
2
Rawlins has the 2nd lowest typical home value of the 17 cities in Wyoming with more than 5,000 people ($217,100).
3
71% of households in Rawlins own their home, against 76% in Carbon County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Rawlins
What homes there are in Rawlins, 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
Rawlins
Carbon County
Wyoming
United States
Kind of home: Rawlins and its comparisons
Measure
Rawlins
Carbon County
Wyoming
United States
Detached house
65%
70%
68%
61%
Attached house
Unreliable estimate
3%
5%
6%
Building of 2 to 4
Unreliable estimate
5%
6%
8%
Apartments (5 or more)
Unreliable estimate
7%
9%
19%
Mobile home
11%
15%
12%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Detached houses are the majority in Rawlins (65%), but less so than in Carbon County (70%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Rawlins
Carbon County
Wyoming
United States
Year built: Rawlins and its comparisons
Measure
Rawlins
Carbon County
Wyoming
United States
Before 1960
44%
35%
23%
26%
1960–1979
27%
32%
26%
24%
1980–1999
20%
21%
25%
25%
2000–2009
6%
8%
14%
14%
2010 or later
Unreliable estimate
4%
12%
11%
Homes in Rawlins are smaller: 57% have 3 bedrooms or more; in Carbon County, 61%.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitCould be either sideUnreliable estimate
Under $100K17%
$100K–$200K25%
$200K–$300K40%
$300K–$500K18%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Rawlins and its comparisons
Measure
Rawlins
Under $100K
17%
$100K–$200K
25%
$200K–$300K
40%
$300K–$500K
18%
$500K–$750K
Unreliable
$750K–$1M
Unreliable
$1M or more
Unreliable
The FHA limit for Carbon County is high ($541,287): at least 100% of owner-occupied homes in Rawlins are worth less than $500,000.
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99950%
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Rawlins and its comparisons
Measure
Rawlins
Under $500
Unreliable estimate
$500–$999
50%
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
With a mortgage
$1,505 a month
Carbon County: $1,450 a month
Without a mortgage
$447 a month
Carbon County: $483 a month
Owners with a mortgage
54%
Carbon County: 47%
The typical cost for an owner with a mortgage in Rawlins is $1,505 a month, near the figure in Carbon County ($1,450).
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Rawlins+26%
Carbon County+27%
Wyoming+41%
United States+53%
Typical rent
RawlinsNo clear change
Carbon CountyNo clear change
Wyoming+16%
United States+33%
Typical household income
RawlinsNo clear change
Carbon County+17%
Wyoming+19%
United States+29%
Change since 2015–2019: Rawlins and its comparisons
Measure
Rawlins
Carbon County
Wyoming
United States
Typical home value
+26%
+27%
+41%
+53%
Typical rent
No clear change
No clear change
+16%
+33%
Typical household income
No clear change
+17%
+19%
+29%
From 2015–2019 to 2020–2024, home values in Rawlins rose at about the same pace as in Carbon County: 26% against 27%.
Since 2015–2019, the typical rent in Rawlins did not change clearly, according to the Census.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Rawlins and its comparisons
Measure
Rawlins
Carbon County
Wyoming
United States
Rental vacancy
Unreliable estimate
19.5%
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
2.20
2.27
2.34
2.53
Drive alone
79%
75%
75%
69%
Carpool
17%
13%
9%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
3%
4%
3%
Work from home
Unreliable estimate
7%
9%
15%
Other means
Unreliable estimate
Unreliable estimate
1%
2%
Typical commute
Unreliable estimate
Unreliable estimate
10 to 19 minutes
20 to 29 minutes
By size, households in Rawlins look like those in Carbon County: 2.20 people on average.
More people carpool to work in Rawlins than in Carbon County: 17% against 13%.
Do the math
What would you pay each month for a home in Rawlins?
A typical home is tight for the typical income
We start with a typical home in Rawlins, worth $217,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 32% of the typical household income in Rawlins, which is $64,773 a year. For that payment to be 28% of income, a household would need to earn about $74,455 a year.
The calculator's FHA and conventional loan limits are those of all of Carbon 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 Rawlins. 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 $7,599 (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
$1,737
at 7.18% · 30 years
Loan amount
$213,167
Total interest
$306,698
Paid off in
November 2056
Includes $3,666 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,511 a month
Tight
$1,511 to $1,943 a month
Your payment · 32%
Hard
more than $1,943 a month
Compared with the typical household income in Rawlins ($64,773 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,444
Property tax
$107
Home insurance
$91
FHA mortgage insurance (MIP)
$96
You need at least $7,599 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 $1,737; principal and interest $1,444.
The city and its county
Rawlins and Carbon County
Rawlins is in Carbon 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).
Rawlins
Map of Carbon County, Wyoming, with Rawlins marked. Around it, the neighboring counties.
Rawlins
Carbon County
Other cities with a page
Rawlins's own numbers
Typical home value
$217,100
Typical monthly rent
$741
Typical yearly household income
$64,773
Households that own their home
71%
Effective property tax rate
0.59%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Carbon County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,022
Price change over 5 years (FHFA)
+25%
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 Carbon County.
A typical home in Rawlins is worth $217,100: 3% below the county and 30% below Wyoming. With the typical household income in Rawlins ($64,773 a year), a typical home costs 3.4 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.
Rawlins3.4 years
Carbon3.2 years
Wyoming4.1 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Carbon County
According to FHFA’s house price index, home prices in Carbon County rose 36% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Carbon County.
Yearly change in FHFA’s price index in Carbon County, 2016 to 2025
2016: +1.5% +1.5% 2016
2017: +1.2% +1.2% 2017
2018: +1.1% +1.1% 2018
2019: +0.8% +0.8% 2019
2020: +3.8% +3.8% 2020
2021: +4.8% +4.8% 2021
2022: +12.7% +12.7% 2022
2023: +1.7% +1.7% 2023
2024: +0.7% +0.7% 2024
2025: +3.2% +3.2% 2025
Change in FHFA’s price index in Carbon County, Wyoming and the United States
Period
County
Wyoming
U.S.
Last year (2025)
+3.2%
+4.1%
+2.9%
5 years (2020–2025)
+25%
+44%
+47%
10 years (2015–2025)
+36%
+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
Rawlins next to Carbon 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
Rawlins$217,100
Carbon$222,700
Wyoming$309,700
United States$332,700
Typical monthly rent
Rawlins$741
Carbon$842
Wyoming$992
United States$1,413
Typical yearly household income
Rawlins$64,773
Carbon$70,511
Wyoming$76,176
United States$80,734
See the full table
Rawlins next to Carbon County and Wyoming
Measure
Rawlins
Carbon County
Wyoming
U.S.
Typical home value
$217,100 ▼3% below the county
$222,700
$309,700
$332,700
Typical monthly rent
$741 ▼12% below the county
$842
$992
$1,413
Typical yearly household income
$64,773 ▼8% below the county
$70,511
$76,176
$80,734
Households that own their home
71% ▼5 points below the county
76%
72%
65%
Typical yearly property tax
$1,277
$1,279
$1,767
$3,119
Effective property tax rate
0.59% ▲0.02 points above the county
0.57%
0.57%
0.94%
Renters with high rent for their income
36% ▲5 points above the county
31%
43%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Carbon 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 Rawlins
For a typical $217,100 home in Rawlins, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Rawlins's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,737a month
Least cash to close
Down payment
$7,599
Cash to close
$14,112
Rate
7.18%
Mortgage insurance
FHA MIP · $96
Conventional, 5% down$1,697a month
Down payment
$10,855
Cash to close
$17,368
Rate
7.18%
Mortgage insurance
PMI · $103
Conventional, 20% down, no PMI$1,374a month
Down payment
$43,420
Cash to close
$49,933
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,574a month
Down payment
$32,565
Cash to close
$39,078
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Rawlins
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,737
$7,599
$213,168
7.18%
FHA MIP · $96
$14,112
580
Conventional, 5% down
$1,697
$10,855
$206,245
7.18%
PMI · $103
$17,368
620*
Conventional, 20% down, no PMI
$1,374
$43,420
$173,680
7.18%
None
$49,933
620*
ITIN, 15% down (example)
$1,574
$32,565
$184,535
8.18%
None
$39,078
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 Rawlins is $741 a month: 12% below the county. In Rawlins, 36% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Carbon County, by unit size. To pay the 2-bedroom one ($1,022 a month) without spending more than 30% of your income, you would need to earn $19.65 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 Carbon County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$797
$15.33
$31,880
1 bedroom
$859
$16.52
$34,360
2 bedrooms
$1,022
$19.65
$40,880
3 bedrooms
$1,338
$25.73
$53,520
4 bedrooms
$1,343
$25.83
$53,720
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 Rawlins
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Rawlins is in ZIP code 82301.
For 2 bedrooms it is $1,000: $22 less than the fair market rent for Carbon County ($1,022).
Fair market rent by ZIP code and size in Rawlins, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
82301
$780
$840
$1,000
$1,310
$1,460
ZIP code2 bd3 bd
82301 $1,000$1,310
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Rawlins 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 Carbon 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 Rawlins or Carbon County. The ones below are statewide in Wyoming: they work in Rawlins 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 Rawlins or Carbon 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 Rawlins and all of Carbon 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 Rawlins?
The typical home value in Rawlins is $217,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Carbon County it is $222,700.
How much does it cost to rent in Rawlins?
Typical rent in Rawlins is $741 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Carbon County is $1,022.
What is the FHA loan limit in Rawlins?
Rawlins uses the FHA limit for all of Carbon 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 Rawlins?
The typical homeowner in Rawlins pays $1,277 a year, according to the U.S. Census Bureau. That is 0.59% of the home’s value; in Carbon County, the rate is 0.57%.
Where can I find free help to buy or rent in Rawlins?
We found no HUD-approved counseling agencies with an office in Carbon County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
