Rental DSCR · Wyoming
Where rent covers the loan in Wyoming
At a 7% example rate, a 3-bedroom rental on a mid-market home covers its full payment in 3 of 23 Wyoming counties (13%). The typical Wyoming county has a DSCR of 0.76. No Wyoming market with at least 2,500 renter homes and a loan of $55,000 or more covers the payment at 7%. The closest are Sweetwater County at 0.83, Natrona County at 0.80 and Fremont County at 0.78.
The biggest rental markets
In Wyoming’s largest rental markets, the rent falls short of the payment in Laramie County (DSCR 0.76, break-even 4.0%), Natrona County (DSCR 0.80, break-even 4.5%) and Albany County (DSCR 0.65, break-even under 4%).
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Every Wyoming county, ranked
Ranked by DSCR at a 7% example rate on a mid-market home, 75% loan. † A 75% loan there is under $55,000, the smallest DSCR loan through Pinnacle Funding Network. * Small survey sample; treat as rough.
| # | County | Renter homes | 3-bed rent | Home price | DSCR at 7% (example) | Break-even rate |
|---|---|---|---|---|---|---|
| 1 | Weston County | 375 | $1,464 | $194,100 | 1.22 | 9.5% |
| 2 | Niobrara County* | 454 | $1,395 | $199,600 | 1.16 | 8.8% |
| 3 | Carbon County* | 1,452 | $1,211 | $196,900 | 1.01 | 7.1% |
| 4 | Washakie County | 875 | $1,283 | $214,100 | 0.97 | 6.7% |
| 5 | Goshen County* | 1,392 | $1,242 | $226,800 | 0.90 | 5.8% |
| 6 | Hot Springs County* | 585 | $1,175 | $231,400 | 0.84 | 5.1% |
| 7 | Sweetwater County | 4,453 | $1,173 | $233,100 | 0.83 | 4.9% |
| 8 | Natrona County | 8,919 | $1,315 | $274,200 | 0.80 | 4.5% |
| 9 | Fremont County | 4,490 | $1,227 | $259,500 | 0.78 | 4.2% |
| 10 | Laramie County | 12,742 | $1,537 | $342,200 | 0.76 | 4.0% |
| 11 | Campbell County | 4,017 | $1,290 | $285,300 | 0.76 | Under 4% |
| 12 | Big Horn County | 1,075 | $1,023 | $224,000 | 0.76 | Under 4% |
| 13 | Platte County* | 921 | $1,273 | $284,500 | 0.75 | Under 4% |
| 14 | Crook County* | 638 | $1,070 | $265,300 | 0.67 | Under 4% |
| 15 | Uinta County | 1,805 | $1,166 | $291,900 | 0.67 | Under 4% |
| 16 | Johnson County* | 694 | $1,262 | $327,800 | 0.65 | Under 4% |
| 17 | Albany County | 8,537 | $1,302 | $338,100 | 0.65 | Under 4% |
| 18 | Converse County* | 1,310 | $1,077 | $294,600 | 0.61 | Under 4% |
| 19 | Lincoln County | 1,912 | $1,271 | $373,400 | 0.58 | Under 4% |
| 20 | Sublette County | 607 | $1,310 | $400,900 | 0.56 | Under 4% |
| 21 | Sheridan County | 4,063 | $1,257 | $397,100 | 0.54 | Under 4% |
| 22 | Park County | 3,288 | $1,243 | $412,300 | 0.51 | Under 4% |
| 23 | Teton County* | 4,095 | $2,209 | $1,537,100 | 0.25 | Under 4% |
Rates on this page are a 7% example, not a quote or an offer. DSCR here is 3-bedroom rent divided by principal, interest, property tax and insurance on a 75% loan with a 30-year fixed payment. At 1.00 the rent pays all of it. Figures are estimates from public data, for education only.
Questions
In how many Wyoming counties does a 3-bedroom rental cover the payment at 7%?
At a 7% example rate, a 3-bedroom rental on a mid-market home covers its full payment in 3 of 23 Wyoming counties (13%). The typical Wyoming county has a DSCR of 0.76. Move the example rate and the count changes: 4 counties cover at 6%, 3 at 7% and 2 at 8%.
Where in Wyoming does rent go furthest against the payment?
No Wyoming market with at least 2,500 renter homes and a loan of $55,000 or more covers the payment at 7%. The closest are Sweetwater County at 0.83, Natrona County at 0.80 and Fremont County at 0.78.
Do Wyoming’s biggest rental markets cover the payment?
In Wyoming’s largest rental markets, the rent falls short of the payment in Laramie County (DSCR 0.76, break-even 4.0%), Natrona County (DSCR 0.80, break-even 4.5%) and Albany County (DSCR 0.65, break-even under 4%).
How is this calculated?
Rent is HUD’s FY2027 Fair Market Rent for a 3-bedroom, adjusted to each county. Home prices are about the 40th percentile of local values from the Census Bureau’s 2020 to 2024 American Community Survey, brought to mid-2026 with the FHFA house price index. Property tax uses each county’s effective rate and insurance starts from NAIC 2023 average premiums. DSCR is rent divided by principal, interest, tax and insurance on a 75% loan at a 7% example rate, which is not a quote or an offer.
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