Laramie County, Wyoming

County Distress Index: Normal · 49.0 | 100,984 people · 3rd most distressed in Wyoming
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Laramie County, WY falls within the normal range for household financial distress at 49.0 — 1649th nationally out of 3144 counties. The primary driver is Housing Cost Burden, where a large share of households spend more than 30% of income on housing. Within Wyoming, it ranks 3rd of 23 counties. Among its 7 neighboring counties, 6 show less distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Laramie County's primary driver is Housing Cost Burden at 69.7 — above the national median.

Housing Cost Burden Primary driver 69.7
Rent-Burdened (30%+) 75
Severely Rent-Burdened (50%+) 59
Mortgage-Burdened (30%+) 92
Homeownership Rate 67
Consumer Credit Distress 50.2
Debt in Collections 53
Medical Debt 91
Auto Loan Delinquency 35
Credit Card Delinquency 37
Uninsured Rate 62
Subprime Credit Population 39
Legal Distress 44.4
Bankruptcy Filing Rate 44
Structural Poverty 28.6
Unemployment Rate 52
Poverty Rate 17
Income vs. State Median 34
Child Poverty Rate 20
Disability Rate 32
Transfer Income Dependency 20
Economic Vitality 26.5
Wage-to-Rent Ratio 32
Rent-to-Income Ratio 26
Business Formation Rate 1
House Price Change (YoY) 51

Scores are percentile-based: 50 = national median, higher = more distressed.

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Laramie County
Laramie County, WY 49.0 Normal —
Weld County, CO 50.4 Elevated +1.4
Albany County, WY 48.0 Normal -1.0
Kimball County, NE 47.2 Normal -1.8
Goshen County, WY 41.1 Normal -7.8
Larimer County, CO 40.7 Normal -8.2
Banner County, NE 29.4 Healthy -19.5
Platte County, WY 28.6 Healthy -20.3

Population Peers

CountyScoreZonevs. Laramie County
Saline County, KS 49.0 Normal 0.0
Van Buren County, MI 49.0 Normal +0.1
Ulster County, NY 48.9 Normal -0.1
Nassau County, FL 49.0 Normal +0.1
Bartholomew County, IN 48.9 Normal -0.1

Download Data

Export all distress indicators for Laramie County as a CSV file.

Find Help in Laramie County

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Wyoming State Bar Lawyer Referral Service offers a lawyer referral service for bankruptcy, foreclosure defense, and consumer rights.

Wyoming State Bar Lawyer Referral Service 307-632-9061

Free Legal Aid

Legal aid organizations serving Laramie County residents at no cost.

Wyoming Legal Services 1-877-432-9955
Legal Aid of Wyoming, Inc. (307) 432-0807

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Frequently Asked Questions

  • What is the distress score for Laramie County, Wyoming?

    Laramie County has a County Distress Index score of 49.0 out of 100, placing it in the Normal zone. It ranks 1,649th nationally out of 3,144 counties and 3rd in Wyoming out of 23 counties.

  • What drives financial distress in Laramie County?

    The primary driver of distress in Laramie County is Housing Cost Burden, where the county scores 69.7 out of 100. This domain is measured by indicators including Rent-Burdened (30%+), Severely Rent-Burdened (50%+), Mortgage-Burdened (30%+).

  • How does Laramie County compare to neighboring counties?

    Laramie County (49.0) can be compared to its 7 neighboring counties: Weld County, CO (50.4); Albany County, WY (48.0); Kimball County, NE (47.2).

  • How is the County Distress Index calculated?

    The County Distress Index uses PCA-weighted percentile scoring across five statistically derived factors: Consumer Credit Distress (47.5%), Housing Cost Burden (22.3%), Structural Poverty (13.6%), Economic Vitality (9.2%), and Legal Distress (7.4%). Each county's indicators are ranked against all 3,144 U.S. counties. A score of 50 means the county is at the national median; higher scores indicate greater distress.

  • How often is the CDI updated?

    Annually, aligned to Census American Community Survey and Urban Institute Debt in America release windows — the slowest-moving source inputs. Between annual refreshes, faster-cadence indicators (BLS unemployment, QCEW wages) may drive light mid-year updates if a specific component moves meaningfully. Current data compiled April 14, 2026; next full refresh early 2027.

  • What does the Normal zone mean?

    The CDI divides counties into five zones: Healthy (below 46), Normal (46–55), Elevated (55–71), Serious (71–86), and Crisis (86 and above). Laramie County's score of 49.0 sits in the Normal zone (46–55).

  • What data sources power Laramie County's CDI score?

    Laramie County's CDI score draws on Urban Institute Debt in America (Equifax credit-bureau panel), U.S. Census Bureau (American Community Survey 5-year, Small Area Income and Poverty Estimates), Bureau of Labor Statistics (LAUS, QCEW), U.S. Courts Administrative Office (F-5A bankruptcy filings), and HUD Fair Market Rents. Every number on this page traces to one of these public sources.

  • What is the population of Laramie County?

    Laramie County, Wyoming has a population of approximately 100,984 (2023 Census estimate), classified as a mid county.