Español

Este sitio también está en español. Leer en español

City · 23,127 residents · Sweetwater County, Wyoming

Rock Springs , Wyoming

In Rock Springs, a typical home is worth $256,200 and typical rent is $928 a month. Compared with all of Sweetwater County, typical household income is 8% lower.

WhatsApp

  • Typical home value

    $256,200

    About the same as the county

    17% below Wyoming

    • Rock Springs
    • Sweetwater
    • Wyoming

  • Typical rent

    $928a month

    About the same as the county

    6% below Wyoming

    • Rock Springs
    • Sweetwater
    • Wyoming

  • Typical household income

    $69,168a year

    8% below the county

    9% below Wyoming

    • Rock Springs
    • Sweetwater
    • Wyoming

  • Households that own their home

    72%

    2 points below the county

    1 points above Wyoming

    • Rock Springs
    • Sweetwater
    • Wyoming

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

Market now, with Zillow data

Zillow data
Typical home value
$288,146
2.3% less than 12 months ago
Typical rent
$1,138 a month
about the same as 12 months ago

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

Rock Springs is in Sweetwater 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 Sweetwater County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Rock Springs apart

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

  1. Nearby, in Rawlins, the typical rent is $741: 20% less than in Rock Springs ($928).

  2. According to Zillow, in the 12 months to September 2026 the typical home value in Rock Springs fell 2.3%; in Wyoming, it rose 1.5%.

  3. Nearby, in Rawlins, the typical home value is $217,100: 15% less than in Rock Springs ($256,200).

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

The homes here

Housing in Rock Springs

What homes there are in Rock Springs, 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

As in Sweetwater County, most homes in Rock Springs are detached houses (64%).

Year built

By age, homes in Rock Springs look like those in Sweetwater County: the typical year built is 1981.

There are fewer big homes in Rock Springs than in Sweetwater County: 65% have 3 bedrooms or more, against 69%.

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

By price, most homes in Rock Springs sit under the FHA limit for Sweetwater County ($541,287): about 92%.

Monthly rent with utilities

With a mortgage

$1,549 a month

Sweetwater County: $1,648 a month

Without a mortgage

$457 a month

Sweetwater County: $470 a month

Owners with a mortgage

54%

Sweetwater County: 53%

Owning costs less in Rock Springs: with a mortgage, the typical cost is $1,549 a month; in Sweetwater County, $1,648. Without one, $457.

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

Much as in Sweetwater County, the typical home value in Rock Springs rose 21% since 2015–2019.

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

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

MeasureRock SpringsSweetwater CountyWyomingUnited States
Rental vacancy Unreliable estimate10.1%6.0%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 2.362.342.342.53
Drive alone 79%77%75%69%
Carpool 12%13%9%9%
Public transit Unreliable estimate3%1%3%
Walk or bike 3%3%4%3%
Work from home 3%4%9%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute 10 to 19 minutes10 to 19 minutes10 to 19 minutes20 to 29 minutes

Much as in Sweetwater County, a household in Rock Springs has 2.36 people on average.

To get to work, 79% of workers in Rock Springs drive alone; in Sweetwater County, 77%.

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 Rock Springs?

A typical home is tight for the typical income

We start with a typical home in Rock Springs, worth $256,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 36% of the typical household income in Rock Springs, which is $69,168 a year. For that payment to be 28% of income, a household would need to earn about $88,048 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Rock Springs. 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 $8,967 (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

$2,054

at 7.18% · 30 years

Loan amount
$251,560
Total interest
$361,935
Paid off in
November 2056

Includes $4,327 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,614 a month

  • Tight

    $1,614 to $2,075 a month

    Your payment · 36%

  • Hard

    more than $2,075 a month

Compared with the typical household income in Rock Springs ($69,168 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,054
Principal & interest$1,704
Property tax$130
Home insurance$107
FHA mortgage insurance (MIP)$113

You need at least $8,967 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

Rock Springs and Sweetwater County

Rock Springs is in Sweetwater 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).

Rock Springs's own numbers

Typical home value
$256,200
Typical monthly rent
$928
Typical yearly household income
$69,168
Households that own their home
72%
Effective property tax rate
0.61%

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

Numbers for all of Sweetwater 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)
+31%

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 Sweetwater County.

Everything about Sweetwater County

Buying

Buying a home in Rock Springs

A typical home in Rock Springs is worth $256,200: about the same as the county and 17% below Wyoming. With the typical household income in Rock Springs ($69,168 a year), a typical home costs 3.7 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.

  • Rock Springs 3.7 years
  • Sweetwater 3.4 years
  • Wyoming 4.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Sweetwater County

According to FHFA’s house price index, home prices in Sweetwater County rose 39% in the 10 years through 2025.

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

Period County Wyoming U.S.
Last year (2025) +4.6% +4.1% +2.9%
5 years (2020–2025) +31% +44% +47%
10 years (2015–2025) +39% +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

Rock Springs next to Sweetwater 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
  • Rock Springs $256,200
  • Sweetwater $251,400
  • Wyoming $309,700
  • United States $332,700
Typical monthly rent
  • Rock Springs $928
  • Sweetwater $911
  • Wyoming $992
  • United States $1,413
Typical yearly household income
  • Rock Springs $69,168
  • Sweetwater $75,034
  • Wyoming $76,176
  • United States $80,734
See the full table
Rock Springs next to Sweetwater County and Wyoming
Measure Rock Springs Sweetwater County Wyoming U.S.
Typical home value $256,200 $251,400 $309,700 $332,700
Typical monthly rent $928 $911 $992 $1,413
Typical yearly household income $69,168 $75,034 $76,176 $80,734
Households that own their home 72% 75% 72% 65%
Typical yearly property tax $1,561 $1,542 $1,767 $3,119
Effective property tax rate 0.61% 0.61% 0.57% 0.94%
Renters with high rent for their income 43% 41% 43% 51%

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

For a typical $256,200 home in Rock Springs, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Rock Springs's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,054a month

    Least cash to close
    Down payment
    $8,967
    Cash to close
    $16,653
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $113

  • Conventional, 5% down $2,007a month

    Down payment
    $12,810
    Cash to close
    $20,496
    Rate
    7.18%
    Mortgage insurance
    PMI · $122

  • Conventional, 20% down, no PMI $1,625a month

    Down payment
    $51,240
    Cash to close
    $58,926
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,862a month

    Down payment
    $38,430
    Cash to close
    $46,116
    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 Rock Springs and for Sweetwater County.

Property tax

Effective rate in Rock Springs

0.61%of the home’s value each year

$1,561 a year for the typical owner in Rock Springs.

  • Rock Springs 0.61%
  • Sweetwater 0.61%
  • 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 Sweetwater County

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

FEMA’s maps count no homes in the high-risk zone in Sweetwater County. That does not mean it cannot flood: check your address.

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Rock Springs

Typical rent in Rock Springs is $928 a month: about the same as the county. In Rock Springs, 43% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Sweetwater 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.

HUD fair market rent for all of Sweetwater 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 $779 $14.98 $31,160
1 bedroom $877 $16.87 $35,080
2 bedrooms $999 $19.21 $39,960
3 bedrooms $1,275 $24.52 $51,000
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 Rock Springs

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Rock Springs is in ZIP code 82901.

For 2 bedrooms it is $1,000: $1 more than the fair market rent for Sweetwater County ($999).

  • 82901 $1,000$1,280

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Rock Springs 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 Rock Springs

HUD lists 6 buildings with rents for lower incomes in Rock Springs. These are the largest.

  • Bicentennial Village Apartments 3723 Madison Dr Ofc 9, Rock Springs 82901 102 low-income homes · For families (307) 382-5596
  • Bicentennial Apt Villlage 3723 Madison Dr, Rock Springs 82901 101 low-income homes · 1 bd: 30 · 2 bd: 58 · 3 bd: 13 · In service since 2005 · For older adults, families
  • Rock Springs 530 Gobel St, Rock Springs 82901 98 low-income homes · Run by Rock Springs Housing Authority · Average payment: $425 a month · Average wait: 8 months · Homes at several sites (307) 352-1471
  • Carrington Pointe Apts 2475 Cascade Dr, Rock Springs 82901 60 low-income homes · 2 bd: 20 · 3 bd: 30 · 4 bd: 10 · In service since 2004 · For families
  • Creekside Apts 2340 Reagan Ave, Rock Springs 82901 36 homes, 35 low-income · 2 bd: 28 · 3 bd: 8 · In service since 2013 · For families

See all 10 buildings in Sweetwater County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Rock Springs

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

A man listens closely, seated at a meeting table.

HUD counseling is free or low-cost

Assistance programs in Rock Springs

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

The HUD-approved agencies closest to the center of Rock Springs, 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 · 173 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 Rock Springs

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 Rock Springs

HUD’s record names them for Rock Springs or Sweetwater County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Rock Springs Housing Authority Public housing and Section 8 vouchers (307) 352-1471

All housing agencies in Wyoming Source: HUD

Cities

Other cities in Sweetwater County

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

Everything about Sweetwater County Housing in Wyoming

Nearby cities

The cities closest to Rock Springs, with the typical home value.

Neighboring counties

If Sweetwater 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 Rock Springs.

All guides
A mother smiles as she carries her young daughter on her shoulders (black and white).

Questions

Housing questions about Rock Springs

Short answers with the numbers for Rock Springs and all of Sweetwater 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 Rock Springs?

The typical home value in Rock Springs is $256,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Sweetwater County it is $251,400.

How much does it cost to rent in Rock Springs?

Typical rent in Rock Springs is $928 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Sweetwater County is $999.

What is the FHA loan limit in Rock Springs?

Rock Springs uses the FHA limit for all of Sweetwater 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 Rock Springs?

The typical homeowner in Rock Springs pays $1,561 a year, according to the U.S. Census Bureau. That is 0.61% of the home’s value; in Sweetwater County, the rate is 0.61%.

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

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