ZIP Code 82420 — Cowley town, WY Demographics & Data

ZIP code 82420 covers Cowley, WY in Big Horn County with a population of about 938.

At a glance, the area shows median age of 31.7 versus a U.S. median of about 38.9.

It sits in telephone area code 307; U.S. House district WY-00; the BILLINGS media market.

Median household income in ZIP 82420 is about $73,864 — about even with the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 10.1%; unemployment rate near 9.3%; 24.1% of adults with a bachelor’s degree or higher (about 9.6 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Education, and Retail trade; about 1.2% of workers reporting work-from-home (about 14.0 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $229,400 — about 34% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 84.1% (about 18.7 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 82420 in Cowley, WY, a household would need roughly $63,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,474. That sits below the local median household income ($73,864), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Cowley town, WY as Very Low (composite score 31.1), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (61.4) and flood (52.4). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Cowley town, WY show little to no average snow and around 6.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 63 for ZIP 82420 (Cowley town, WY) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.