82520 — Fremont County, Wyoming Market Snapshot
Housing market data for zip code 82520 in Fremont County, Wyoming. Updated monthly with median prices, days on market, and more.
Market Sales Data
34 sales in 2026 (year to date)
Median Sale Price
$403,500
Days to Sell
71
Homes Sold
34
Inventory
47
Sale-to-List
95.1%
New Listings
45
Price/SqFt
$243
Pending Sales
37
Conforming Loan Available
Most homebuyers in 82520 can comfortably use conventional financing. The median home price of $403,500 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
With homes sitting for 71 days on average, 82520 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
The average home in 82520 sells for 4.9% below asking price (95.1% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 82520 can comfortably use conventional financing. The median home price of $403,500 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 82520 are set at the county level.
2026 Loan Limits — Fremont County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 82520
To purchase the median home at $403,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,241.
Monthly Payment
$3,241
Income Required
$138,921
Principal & Interest
$2,486/mo
Down Payment (5%)
$20,175
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 82520.
Estimated Monthly Payment
$2,647
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