Financial Literacy in Hot Springs County, Wyoming

With a population of roughly 4,625, Hot Springs County, Wyoming is the 22nd-largest of 23 counties in Wyoming. Its population has held essentially flat since 2020, moving less than a percent either way. The median age is 45.4, skewing older, where the pressing questions shift toward retirement income, medical costs and passing things on.

26.4% of Hot Springs County residents 25 and older have completed a bachelor's degree or more. That runs 4.3 points above the Wyoming average of 22.1%. Put the other way round: of the 3,328 adults 25 and over counted in the 2019–2023 ACS, roughly 2,449 — 73.6% — are building their financial lives without a four-year degree behind them.

The typical household here earns $64,375 a year. About 13.7% of residents live below the poverty line. The median home is valued at $214,400 — about 3.3× the median household income, a ratio that makes the arithmetic of a mortgage worth understanding before signing one.

Hot Springs County by the numbers

Measure	Value
Population (2024)	4,625
Change since 2020	+0.1%
Median household income	$64,375
Adults 25+ with a bachelor’s degree	26.4%
Adults 25+ with a high school diploma	94.4%
Median age	45.4
Poverty rate	13.7%
Unemployment rate	1.7%
Median home value	$214,400
Land area	2,004.431 sq mi
Population density	2 / sq mi

What Wyoming teaches — and to whom

Wyoming embeds financial literacy in its content standards without a separate graduation mandate. Which means for most residents of Hot Springs County, whatever they know about money they picked up somewhere other than a classroom.

LearnLife organises this the way the decisions actually arrive: Legal literacy — leases, contracts, employment rights and what a signature actually commits you to; Money — budgeting, credit, debt and taxes — the mechanics nobody is formally taught; Emotional regulation — the self-management that decides whether the other skills ever get used.

Where to start in Hot Springs County

Shift from accumulating to drawing down

With a median age of 45.4, a large share of Hot Springs County is closer to drawing on savings than building them. The skills that matter shift accordingly: sequencing withdrawals, understanding Medicare's enrolment windows, and getting beneficiary designations and a will actually filled in.

Questions people ask about Hot Springs County

Do high school students in Hot Springs County, Wyoming have to take a personal finance class?

No. Wyoming sets no statewide requirement that students complete personal finance before graduating.

How many adults in Hot Springs County, Wyoming have a college degree?

26.4% of adults 25 and older hold a bachelor's degree or higher, based on the Census Bureau's 2019–2023 American Community Survey. The remaining 73.6% are managing their finances without one.

What is the median household income in Hot Springs County, Wyoming?

$64,375, per the Census Bureau's 2019–2023 American Community Survey.

Where can adults in Hot Springs County, Wyoming learn personal finance?

Graduation requirements only ever reach people still in school. For adults, LearnLife covers the same ground on demand — money, legal literacy and the self-management that decides whether either gets used.

Start with whichever one is costing you money right now.

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Population and demographic figures: U.S. Census Bureau — 2024 Gazetteer, Vintage 2024 Population Estimates, and the American Community Survey 2019–2023 5-year estimates. Graduation-requirement status: NGPF Live U.S. Dashboard, read 2026-09-14. Figures marked as unavailable are suppressed by the Census Bureau for small populations.