Real Estate Investing in Lovell, Wyoming (82431)

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

Big Horn County • Population: 3,227 • Data updated: September 2026

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Should you buy in 82431 (Lovell, WY)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (61/100)

Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.

📈 For Investors
MIXED
3.0 / 5 (47/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
2 flags
  • High vacancy: 24.1% of homes vacant — above national norms.
  • High price-to-rent: Price-to-rent ratio 25.3 — hard to cash-flow at these prices.

• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.

What’s happening in Lovell, WY (82431)?

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3.0/ 5

Investability

Overall investment appeal

3.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $280,949
Avg Monthly Rent $927
1% Rule ✗ Does Not Meet
Median Income $68,693
% Renters 24.3%

Market Analysis: 82431 Lovell

The 82431 ZIP covers a section of Lovell that demands careful diligence. Prices near $281K look accessible, but the work to make a deal cash flow is real.

For an experienced owner, 82431 can be a an appealing option for hunting ground — but the discount at $281K reflects genuine risk that outside investors often underestimate.

The gap between 82431 and stronger Lovell ZIPs is not closing quickly. Investors should weight long-horizon assumptions accordingly.

Who lives in 82431 is part of why the ZIP is priced as it is. The demographic profile requires hands-on management, tight screening, and local knowledge.

Distressed ZIPs reward experience. significant returns are possible in 82431, but they flow to investors who already understand how to operate in soft markets.

Explore the Data — Click a Tab Below
🏦 Current 30-yr Fixed Mortgage Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS

Here's what matters if you're considering buying a home in Lovell:

B Good
Buy Confidence Score: 70/100
Affordability
15/25
Appreciation
25/25
Stability
7/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 4.1× the median income
Value Trend
Stable (+1.3%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $927/mo if you need to move
Market Conditions
BALANCED
Even conditions for buyers and sellers
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
🏠

Property Strategy for 82431

Which property type performs best in this market?

Best for Cash Flow
2BR
4.0% cap rate
Best for Appreciation
2BR
+10.8% 5yr CAGR
Best Overall Value
4BR
$89,756/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $187,233 $1,030 4.0% +10.8% $93,617
3BR $287,210 $1,270 3.2% +10.5% $95,737
4BR $359,023 $1,620 3.2% +10.4% $89,756

Market Trends

Home Value History (with trend line)

$299K$261K$224K$186K$148K$110KJul 2009Jan 2018Jul 2026

📊 How Does 82431 Compare?

Metric 82431 Lovell Wyoming
Home Value $280,949 $280,949 $359,462
5-Year CAGR 7.3% 7.3% 6.2%
Avg Rent $927 $927 -
Cap Rate 2.6% 2.6% -
💡 Why Invest in 82431? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

📊 See where this ZIP ranks in our Best-of lists →
A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 82431 (Lovell, WY). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
2.6%
Low
5yr Growth
+7.3%
Strong

📊 Market Snapshot

Home Value $280,949
Monthly Rent $927
Price-to-Rent 25.3:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 4.0%
Cap Rate 2.6%
5-Year IRR 9.8%

📈 Home Appreciation

1-Year +1.3% ▲
3-Year CAGR +5.1% ▲
5-Year CAGR +7.3% ▲
10-Year CAGR +7.2% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 2.6%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.6%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.

Run an IRR Analysis →

⚠️ Risk Signals

Composite view of factors that can impact a ZIP's stability and your downside risk.

Vacancy
24.1%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+7.3%
Growing
Eviction process: Fast Rent control: Favorable

Demographics in 82431

Population: 3,227

💰 Median Household Income
$68,693
This area
$68,693
State
$76,105
USA
$74,580
🏠 Renter Occupied
24.3%
This area
24.3%
State
22.9%
USA
34.0%
💼 Unemployment Rate
2.7%
This area
2.7%
State
-25.4%
USA
3.7%
🎓 College Educated
20.9%
This area
20.9%
State
-7.9%
USA
33.7%
👤 Median Age
37.7 years
This area
37.7 years
State
-60.3 years
USA
38.9 years
🏚️ Vacancy Rate
24.1%
This area
24.1%
State
25.9%
USA
10.5%
👥 Population by Ethnicity
White 93.1%
Other/Mixed 5.7%
Hispanic/Latino 1.7%
Asian 0.8%
Black/African American 0.4%
👶 Under 18
29.1%
This area
29.1%
USA
22.0%
👴 65 and Over
18.7%
This area
18.7%
USA
17.3%
📊 Poverty Rate
11.1%
This area
11.1%
USA
11.5%

Crime & Safety

🚧

Crime & Safety Data Coming Soon

We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.

Expected: Q1 2025

🎓 Schools in 82431

A Avg School Grade
3 Schools
12.4:1 Avg Class Size
$19,186 Avg Per Pupil

Schools in This ZIP Code

A+ Excellent

Lovell Elementary

📚 Pre-K – 05 Elementary
👥
292 Students
👨‍🏫
11.0:1 Class Size
💰
$19,186 Per Student
A Very Good

Lovell High School

📚 09 – 12 High School
👥
218 Students
👨‍🏫
12.8:1 Class Size
💰
$19,186 Per Student
A Very Good

Lovell Middle School

📚 06 – 08 Middle
👥
186 Students
👨‍🏫
13.4:1 Class Size
💰
$19,186 Per Student
About Repit School Scores

Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.

We evaluate schools based on factors that research shows actually impact educational outcomes:

  • Class Size — Smaller classes mean more individual attention
  • School Funding — Resources available for programs, staff, and facilities
  • Community Factors — Neighborhood characteristics that influence student success
  • School Environment — Size, type, and structure

Scores are updated annually using federal education data.

Frequently Asked Questions

Is Lovell, WY a good market for buy-and-hold investors?

Our data puts Lovell, WY at 3.0/5 for investability. Home prices of $281K and rents around $927/mo create a solid backdrop for investor activity.

How much do tenants pay in Lovell, WY?

Expect rents around $927/mo per month in Lovell, WY. With home values at $281K, the yield math works out to reasonable levels for rental investors.

Do landlords face vacancy issues in Lovell, WY?

Rental vacancy in Lovell, WY is elevated. Investors should budget normal turnover but not chronic empty units.

What is it like being a landlord in Lovell, WY?

WY law landlord-friendly for landlords, and Lovell inherits those rules. Investors should still review local ordinances for rental licensing.

Is the tenant base reliable in Lovell, WY?

The renter base in Lovell, WY is reasonable for the $927/mo price point. Screening well and pricing to market typically yields stable tenants.

You know 82431 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 82431 compares to every other market. Investor ($19/mo) screens every U.S. ZIP by cap rate, the 1% rule, vacancy and landlord climate, and exports your shortlist.

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