Laramie County, WY
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 41.29, -104.66.
Assembled 2026-10-19. Read the brief.
- 85th pct · 453rd of 3,063 US counties · median $230,451
- 68th pct · 8th of 23 Wyoming counties · median $327,468
- counties in the Cheyenne metro: Rank context is unavailable: the manifest lists 1 counties in the Cheyenne metro; fewer than 5 is too few to rank.
- 57th pct · 1,315th of 3,062 US counties · median +2.9%
- 86th pct · 4th of 23 Wyoming counties · median +1.7%
- counties in the Cheyenne metro: Rank context is unavailable: the manifest lists 1 counties in the Cheyenne metro; fewer than 5 is too few to rank.
- 52nd pct · 649th of 1,358 US counties · median $1,506
- 66th pct · 5th of 13 Wyoming counties · median $1,429
- counties in the Cheyenne metro: Rank context is unavailable: the manifest lists 1 counties in the Cheyenne metro; fewer than 5 is too few to rank.
- 83rd pct · 518th of 3,221 US counties · median 8,232
- 100th pct · 1st of 23 Wyoming counties · median 6,490
- counties in the Cheyenne metro: Rank context is unavailable: the manifest lists 1 counties in the Cheyenne metro; fewer than 5 is too few to rank.
- 81st pct · 590th of 3,221 US counties · median $1,039
- 68th pct · 8th of 23 Wyoming counties · median $1,131
- counties in the Cheyenne metro: Rank context is unavailable: the manifest lists 1 counties in the Cheyenne metro; fewer than 5 is too few to rank.
- 79th pct · 638th of 3,063 US counties · median 4.2
- 54th pct · 11th of 23 Wyoming counties · median 5.5
- counties in the Cheyenne metro: Rank context is unavailable: the manifest lists 1 counties in the Cheyenne metro; fewer than 5 is too few to rank.
Typical home value divided by the average annual wage of one covered job.
A percentile here is a min-max scaling of average rank: the smallest published value in the cohort is 0 and the largest is 100, and tied values share the average of the ranks they span. It is not the share of entities below the value, so 0 means smallest, not none below. Entities that did not publish the metric are outside the cohort entirely and are counted in neither the rank nor its denominator.
Home values #
Typical home $390,068 (Sep 2026), +3.4% over one year, +15.9% over five
- 85th pct · 453rd of 3,063 US counties · median $230,451
- 68th pct · 8th of 23 Wyoming counties · median $327,468
- counties in the Cheyenne metro: Rank context is unavailable: the manifest lists 1 counties in the Cheyenne metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Laramie County, WY | $390,068 · +3.4% 1-yr |
Zillow Home Value Index (ZHVI), typical value of homes in the 35th to 65th percentile, smoothed and seasonally adjusted; a model estimate of value, not a sale price. Data through Zillow Research.
Rents #
Typical rent $1,529/mo (Sep 2026), +6.5% over one year; price-to-rent 21.3
- 52nd pct · 649th of 1,358 US counties · median $1,506
- 66th pct · 5th of 13 Wyoming counties · median $1,429
- counties in the Cheyenne metro: Rank context is unavailable: the manifest lists 1 counties in the Cheyenne metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Laramie County, WY | $1,529/mo · +6.5% 1-yr |
Zillow Observed Rent Index (ZORI), smoothed, all homes and multifamily; price-to-rent = typical home / (typical rent × 12).
What the typical home costs to carry #
Principal and interest of $2,161 a month on $390,068 at 7.40%, against an average weekly wage worth $5,451 a month: 39.6% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $390,068 × 80% = $312,054, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $2,161/mo principal and interest
- wage share = payment / (avg weekly wage $1,258 × 52 / 12 = $5,451) = 40% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $390,068 / ($1,258 × 52) = 6.0
- price-to-rent = $390,068 / ($1,529 × 12) = 21.3
The wage is one covered job’s average, not a household’s income, so this is the share of a single paycheque and not a mortgage underwriting ratio.
Estimate. Principal and interest on the typical home with 20% down over 30 years at this week's Freddie Mac average rate; compared with the average weekly wage of all jobs covered by unemployment insurance in the area (BLS QCEW), which is pay per job, not household income.
Jobs & wages #
48,746 jobs at 5,099 employers (2026 Q1); +0.2% jobs and +4.0% average weekly wage over the year
- 83rd pct · 518th of 3,221 US counties · median 8,232
- 100th pct · 1st of 23 Wyoming counties · median 6,490
- counties in the Cheyenne metro: Rank context is unavailable: the manifest lists 1 counties in the Cheyenne metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Laramie County, WY | 48,746 jobs · $1,258/wk · +0.2% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 5,128 | $776 | 1.08 | -0.6% |
| Health care and social assistance | 4,677 | $1,092 | 0.64 | +2.5% |
| Accommodation and food services | 4,478 | $490 | 1.02 | +0.2% |
| Construction | 3,962 | $1,503 | 1.55 | +2.5% |
| Transportation and warehousing | 3,033 | $1,282 | 1.48 | -4.9% |
| Administrative and waste services | 2,164 | $992 | 0.78 | +3.4% |
| Professional and technical services | 2,046 | $1,970 | 0.61 | -10.7% |
| Finance and insurance | 1,574 | $1,760 | 0.79 | +0.6% |
| Other services | 1,379 | $1,026 | 0.95 | +1.0% |
| Manufacturing | 1,241 | $1,482 | 0.32 | +1.1% |
| Wholesale trade | 1,140 | $1,637 | 0.61 | +1.8% |
| Information | 1,058 | $2,078 | 1.18 | +43.2% |
BLS Quarterly Census of Employment and Wages, all ownerships, total covered employment in the quarter's third month; over-the-year changes as published. Suppressed cells stay blank.
Drought #
D2 severe drought
Sites found: 5, searched within 0 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 0 km away are not.
US Drought Monitor current week; the highest class of any polygon containing the point.
Reservoirs #
Surface water layer not loaded
Sites found: 0, searched within 150 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 150 km away are not.
Σ(capacity × percent full) / Σ capacity over TWDB reservoirs within 150 km. Texas only; elsewhere USGS reservoir elevation/storage is listed without a capacity to normalise by.
Stream gauges #
Surface water layer not loaded
Sites found: 0, searched within 75 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 75 km away are not.
USGS latest readings screened against EPA freshwater criteria (DO ≥ 5 mg/L, pH 6.5–9, conductance, turbidity, temperature); NWS flood categories where a NWPS gauge is co-located.
Groundwater #
No USGS monitoring wells within 75 km (or above 1,500 km)
Sites found: 0, searched within 75 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 75 km away are not.
USGS latest daily water levels. A single latest reading says where the table is, not which way it is moving; select a well for its 365-day trace.
Water stress #
high (0.50)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.50 / 0.35
Banks & federal dollars #
$3.2 bn in deposits at 32 offices of 19 banks (SOD June 2026); HHI 843, unconcentrated. $1.2 bn federal obligations in FY2026 (direct payments $732.8 m, grants $262.1 m), $24,283 per covered job
| Item | Value | Distance |
|---|---|---|
| U.S. Bank National Association | $442.6 m · 13.9% share · 2 offices | |
| ANB Bank | $360.7 m · 11.3% share · 1 office | |
| Wells Fargo Bank, National Association | $336.4 m · 10.6% share · 2 offices | |
| Laramie, WY | $1.2 bn FY2026 · $24,283/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| U.S. Bank National Association | $442,631,000 | 13.9% | 2 |
| ANB Bank | $360,745,000 | 11.3% | 1 |
| Wells Fargo Bank, National Association | $336,362,000 | 10.6% | 2 |
| Riverstone Bank | $307,539,000 | 9.7% | 2 |
| First Interstate Bank | $255,585,000 | 8.0% | 2 |
| First National Bank | $255,214,000 | 8.0% | 2 |
| Jonah Bank of Wyoming | $252,411,000 | 7.9% | 2 |
| First National Bank of Omaha | $213,534,000 | 6.7% | 3 |
| FirsTier Bank | $179,845,000 | 5.6% | 2 |
| Platte Valley Bank | $110,123,000 | 3.5% | 2 |
Deposit concentration is 843 across 18 banks, which the 1995 Department of Justice bank merger screen calls unconcentrated.
HHI = Σ (share %)² over 18 banks with deposits in the county = 13.9² + 11.3² + 10.6² + … (15 more) = 843
FDIC Summary of Deposits: deposits at every insured office as of June 30, annual; HHI is the sum of squared county deposit shares (DOJ 1995 bank merger screen: 1000 / 1800). USAspending: obligations by place of performance for the latest complete federal fiscal year (Oct 1 to Sep 30), what agencies committed, not what they paid out; recipients are legal entities. Per-job divides obligations by BLS QCEW covered employment.
Federal obligations #
That is $24,283 per covered job, against 48,746 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $1.2 bn / 48,746 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $24,283
USAspending obligations are recorded where the work is performed, so a prime award performed here is counted here even when the recipient is headquartered elsewhere. Recipients are legal entities, never people.
National context, not this county #
These are United States, single-gauge, single-state and port series. None of them is keyed to this county.
| Series | Latest | As of | Change |
|---|---|---|---|
| Mississippi River at Memphis, stage · ft | not published | not published | |
| Mississippi River at St. Louis, stage · ft | not published | not published | |
| Ohio River at Louisville, stage · ft | 17.95 | 2026-10-18 | -2.6% |
| Missouri River at St. Joseph, stage · ft | not published | not published | |
| Colorado River below Hoover Dam, flow (Hoover releases) · ft³/s | 5,170.00 | 2026-02-05 | -25.3% |
| Texas reservoirs, statewide percent full · % | 72.20 | 2026-10-19 | +0.0% |
| Laredo truck crossings, monthly · trucks | 258,700.00 | 2026-08-01 | -0.4% |
| Los Angeles + Long Beach container volume, annual · TEU | 10,513,167.00 | 2023-01-01 | -13.5% |
| Containerships waiting for a berth, all US ports · ships | 7.00 | 2026-10-13 | +133.3% |
| Shanghai to Los Angeles container rate · $ per 40 ft box | 7,848.00 | 2026-09-01 | +14.9% |
| US diesel retail price · $ per gallon | unavailable | not published | |
| WTI crude oil, spot · $ per barrel | 101.91 | 2026-10-14 | +1.0% |
| 30-year fixed mortgage rate · % | 7.40 | 2026-10-15 | +0.0% |
| Housing starts, annual rate · thousands of units | 1,275.00 | 2026-08-01 | -2.6% |
| Building permits, annual rate · thousands of units | 1,403.00 | 2026-08-01 | -2.1% |
| Case-Shiller US home price index · index, Jan 2000 = 100 | 337.31 | 2026-07-01 | +0.1% |
| Unemployment rate · % | 4.20 | 2026-09-01 | +2.4% |
| US goods and services trade balance, monthly · $ millions | -105,572.00 | 2026-08-01 | -13.7% |
| Retail sales excluding food services, monthly · $ millions | 652,115.00 | 2026-09-01 | +0.7% |
The indicator registry has no county-keyed series and no geographic selection: every entry is national, a named gauge, a single state or a port. They are here as the backdrop the county's own numbers move against, and they are never this county's readings.
What changed #
Laramie County, WY: 8 findings, 1 at a watch level and 7 noted
watchLaramie County, WY's price-to-rent ratio of 21.3 scores 81 on the 0-to-100 scale across US counties but 25 across Wyoming counties, a gap of 56 points.
Period 2026-09.Show the arithmetic
- 56 = |81 across US counties - 25 across Wyoming counties|
- typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month
position among the entities that published this metric this period; not an official level
noteLaramie County, WY's average weekly wage was 4.0% higher than the same quarter a year earlier in 2026 Q1, on BLS QCEW's published over-the-year change.
Period 2026 Q1.Show the arithmetic
- +4 % = BLS QCEW over-the-year percent change for 2026 Q1, as published
- the newest QCEW file carries no year-earlier level, so no move from one level to another is printed
BLS QCEW over-the-year percent change, as published
noteLaramie County, WY's typical asking rent rose 0.3% from $1,524 in August 2026 to $1,529 in September 2026, on Zillow ZORI.
Period 2026-09.Show the arithmetic
- +0.3% = (1528.84016563147 - 1523.5834126706723) / 1523.5834126706723 × 100
- 1528.84016563147 = Zillow ZORI, 2026-09
- 1523.5834126706723 = Zillow ZORI, 2026-08
noteLaramie County, WY's covered employment was 0.2% higher than the same quarter a year earlier in 2026 Q1, on BLS QCEW's published over-the-year change.
Period 2026 Q1.Show the arithmetic
- +0.2 % = BLS QCEW over-the-year percent change for 2026 Q1, as published
- the newest QCEW file carries no year-earlier level, so no move from one level to another is printed
BLS QCEW over-the-year percent change, as published
noteLaramie County, WY's covered employment of 48,746 ranks 1st of 23 Wyoming counties, against a median of 6,490.
Period 2026 Q1.Show the arithmetic
- 100 on the 0-to-100 scale across 23 Wyoming counties that published jobs.emp
position among the entities that published this metric this period; not an official level
Read all 8 findings in the full brief
Every finding is produced by a fixed rule table and a fixed sentence for each rule. Nothing here is generated prose.