Live market readings · refreshed on loadAlameda County · CAMedian List$1.1M-5.7%|Atlanta · GAMedian List$456K+4.1%|Broward County · FLMedian List$432K-2.8%|Clark County · NVMedian List$469K+5.4%|Cook County · ILMedian List$389K+5.1%|Cuyahoga County · OHMedian List$234K+11.0%|Davidson County · TNMedian List$481K+0.1%|District of Columbia · DCMedian List$684K-0.7%|Duval County · FLMedian List$297K-2.3%|Fairfax County · VAMedian List$749K-0.8%|Fort Bend County · TXMedian List$370K-2.6%|Franklin County · OHMedian List$320K+3.2%|Hennepin County · MNMedian List$387K+1.8%|Hillsborough County · FLMedian List$400K-0.2%|Jackson County · MOMedian List$275K+7.0%|King County · WAMedian List$847K-4.3%|Los Angeles · CAMedian List$1.1M-1.4%|Marion County · INMedian List$259K+0.6%|Mecklenburg County · NCMedian List$469K+0.8%|Miami · FLMedian List$650K+2.3%|Milwaukee County · WIMedian List$275K+5.9%|Multnomah County · ORMedian List$518K-1.2%|New York County · NYMedian List$1.2M-5.5%|Orange County · CAMedian List$1.3M+2.5%|Orange County · Orlando · FLMedian List$449K+2.7%|Palm Beach County · FLMedian List$513K+8.6%|Philadelphia County · PAMedian List$300K+4.1%|Phoenix · AZMedian List$460K+1.7%|Queens County · NYMedian List$795K+1.9%|Riverside County · CAMedian List$623K+3.0%|Salt Lake County · UTMedian List$550K+1.9%|San Diego County · CAMedian List$999K+5.2%|San Francisco County · CAMedian List$1.7M+15.6%|Santa Clara County · CAMedian List$1.9M-0.6%|Shelby County · TNMedian List$259K-2.4%|St. Louis City · MOMedian List$312K+3.6%|Suffolk County · MAMedian List$810K+1.0%|Wake County · NCMedian List$458K-6.4%|Wayne County · MIMedian List$224K+4.3%|Williamson County · TXMedian List$431K-2.1%|Live market readings · refreshed on loadAlameda County · CAMedian List$1.1M-5.7%|Atlanta · GAMedian List$456K+4.1%|Broward County · FLMedian List$432K-2.8%|Clark County · NVMedian List$469K+5.4%|Cook County · ILMedian List$389K+5.1%|Cuyahoga County · OHMedian List$234K+11.0%|Davidson County · TNMedian List$481K+0.1%|District of Columbia · DCMedian List$684K-0.7%|Duval County · FLMedian List$297K-2.3%|Fairfax County · VAMedian List$749K-0.8%|Fort Bend County · TXMedian List$370K-2.6%|Franklin County · OHMedian List$320K+3.2%|Hennepin County · MNMedian List$387K+1.8%|Hillsborough County · FLMedian List$400K-0.2%|Jackson County · MOMedian List$275K+7.0%|King County · WAMedian List$847K-4.3%|Los Angeles · CAMedian List$1.1M-1.4%|Marion County · INMedian List$259K+0.6%|Mecklenburg County · NCMedian List$469K+0.8%|Miami · FLMedian List$650K+2.3%|Milwaukee County · WIMedian List$275K+5.9%|Multnomah County · ORMedian List$518K-1.2%|New York County · NYMedian List$1.2M-5.5%|Orange County · CAMedian List$1.3M+2.5%|Orange County · Orlando · FLMedian List$449K+2.7%|Palm Beach County · FLMedian List$513K+8.6%|Philadelphia County · PAMedian List$300K+4.1%|Phoenix · AZMedian List$460K+1.7%|Queens County · NYMedian List$795K+1.9%|Riverside County · CAMedian List$623K+3.0%|Salt Lake County · UTMedian List$550K+1.9%|San Diego County · CAMedian List$999K+5.2%|San Francisco County · CAMedian List$1.7M+15.6%|Santa Clara County · CAMedian List$1.9M-0.6%|Shelby County · TNMedian List$259K-2.4%|St. Louis City · MOMedian List$312K+3.6%|Suffolk County · MAMedian List$810K+1.0%|Wake County · NCMedian List$458K-6.4%|Wayne County · MIMedian List$224K+4.3%|Williamson County · TXMedian List$431K-2.1%|
Property-class scope
ARED ScoreMarket grade · state
as of Sep 11, 2026
B+
+30 / ±100
positive
−1000+100
Reason codes · heaviest factors
IS
Inventory & supply
2.8 months of supply
+100
PM
Price momentum
+1.5% YoY median
+50
SL
Sale-to-list ratio
98.6% sale-to-list
+50
MS
Market sentiment
cautiously optimistic
-50

Provisional grade — derived from this report's measured data points; the county detector suite has not measured this geography yet. The measured ARED Score replaces it on the suite's next run.

State intel report · monthly refresh cycle
Track this state

Wyoming

refreshed Sep 11, 2026, 3:57 PMnext refresh due Sep 26, 2026
Market sentiment: cautiously optimistic

Wyoming's housing market has entered a stabilized regime characterized by modest annual value appreciation (+1.5% YoY) and tight available inventory across major non-resort employment centers. Inventory sits below 3 months of supply across populous counties like Laramie and Natrona, supporting resilient pricing despite 6.5-7% mortgage rates. Long-term demographic inflows seeking no state income tax continue to underpin structural demand against limited rural new construction.

Market & county intel reports · Wyoming
Minor markets

None — no population center in this class.

Deep property reports · latest 1 researched here
Latest readings
Median sale price
$368,207
Corroborated · 1 anchor · 0.9% off nearest
Median price / sq ft
$217
Median days on market
52
Active listings
2,491
Listings with price cuts
18.4%
Median price change YoY
+1.5%
Closed sales (monthly)
899
Months of supply
2.8
Sale-to-list ratio
98.6%
Median asking rent
$1,350/mo
Population
581,381
Median household income
$72,495
Avg effective property tax rate
0.56%
State Market ScoreZIP-SCORE-1.3 · 4/4 sections graded
59
Composite · average of graded sections
Computed only from this report's published readings — sections without data are excluded, never estimated.
59
Growth/100

Median prices moved up 1.8% year over year.

47
Liquidity/100

Homes spend a median of 56 days on market with 7.1 months of supply — a balanced-paced market.

50
Momentum/100

0% of listings have cut prices · homes sell at 64.62% of asking — demand is holding steady.

81
Safety & stability/100

unemployment 3.2% · poverty 10.7% — a stable, low-distress profile.

Immigration & foreign-bornU.S. Census Bureau ACS · state granular
Foreign-born share
3.5%
Foreign-born residents
20,494
Naturalized (of foreign-born)
44.7%
Non-citizens (of population)
1.9%
Entered 2010 or later (of foreign-born)
32.4%
World region of birth (foreign-born)
Americas
58.1%
Asia
18.9%
Europe
18.8%
Africa
2.8%
Oceania
1.3%

ACS 2024 5-year estimates. Aggregate published statistics for this state — never individual records, and never an attribute of any individual property or resident. Federal enforcement activity is presented only at the state tier as regional context — never imputed onto any county, city, ZIP, neighborhood or parcel beneath it.

Deterministic roll-up
23 of 23 counties contributed
Median sale price
$382,468
Median price / sq ft
$239
Median days on market
55.78
Active listings
7,025
Listings with price cuts
0.46%
Median price change YoY
+1.76%
Closed sales (monthly)
1,315
Months of supply
7.11
Sale-to-list ratio
64.62%
Median asking rent
$56/mo
Population
584,455
Median household income
$74,441

Deterministic aggregate of 23 researched counties — sales_count-weighted (population fallback); per point, children lacking the value or its weight are excluded. Tax rates, sentiment and context notes are tier-native and never roll.

Median home value · ten-year trajectory & projection

Wyoming — researched statewide history with a deterministic 1 / 3 / 5-year projection

2016201720182019202020212022202320242025202620282030$180,000$270,000$360,000$450,000$540,000

Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 6.7%/yr trend — a deterministic estimate, not a published forecast or guarantee.

State spotlight · the factual leaderscomputed only from researched reports' published readings
Hottest county
Washakie County
heat 74/100
median $280,164
+8.9% YoY
57 days on market
12% of listings cut
Most discounted
Goshen County
24% of listings cut price
median $196,411
+8.4% YoY
54 days on market
24% of listings cut
Fastest mover
Laramie County
23 median days on market
median $398,804
+5.1% YoY
23 days on market
21% of listings cut
What's hot · what's notheat 0-100 · price direction, pace, negotiation strength, discount pressure
Hot · rising demand

highest heat scores

1Washakie Countycounty+8.9% YoY74
2Laramie Countycounty+5.1% YoY73
3Converse Countycounty+11.3% YoY70
4Albany Countycounty+12.6% YoY70
5Goshen Countycounty+8.4% YoY69
Not · cooling demand

lowest heat scores

1Crook Countycounty-63.4% YoY37
2Teton Countycounty+33% YoY42
3Johnson Countycounty-7.2% YoY45
4Sheridan Countycounty-16% YoY48
5Park Countycounty-3.1% YoY49
Amenities & attractions5 retained amenities · 3 developments on the horizon

The amenity base that shapes daily life and property demand in this state — what residents actually live with, and what the pipeline is adding.

Inside this state
Yellowstone National Park
National Park

The world's first national park spans over 2.2 million acres of geothermal wonders, geysers like Old Faithful, and abundant wildlife, anchoring northwest Wyoming's global eco-tourism economy.

Grand Teton National Park
National Park

Encompassing the dramatic Teton Range and Jackson Hole valley, the park features alpine climbing, world-class hiking, pristine alpine lakes, and premier wildlife watching.

Jackson Hole Mountain Resort
Ski Resort

Consistently ranked as one of North America's top destination ski resorts, offering legendary steep terrain, deep snowfall, and luxury alpine amenities.

Cheyenne Frontier Days
Cultural Event & Rodeo Arena

Known as the 'Daddy of 'em All,' this massive 10-day outdoor rodeo and western celebration draws hundreds of thousands of visitors annually to Cheyenne.

Buffalo Bill Center of the West
Museum Complex

Located in Cody, this Smithsonian-affiliated complex features five world-class museums dedicated to Western art, Plains Indian history, firearms, and natural history.

On the horizon · announced & under construction
TerraPower Natrium Advanced Nuclear PlantNuclear Energy FacilityUnder ConstructionA multi-billion-dollar advanced sodium-cooled fast reactor project with integrated molten salt energy storage being built at a retiring coal plant site in Kemmerer.
Cheyenne Hyperscale Data Center CorridorsTechnology InfrastructureUnder Construction / ExpansionContinuing multi-hundred-million-dollar data center campus expansions by Microsoft and Meta capitalizing on Cheyenne's low-cost power, cool climate, and fiber density.
Chokecherry and Sierra Madre Wind Energy ProjectRenewable Energy InfrastructureUnder ConstructionOne of the largest onshore wind farm projects in North America, planned to generate up to 3,000 megawatts of clean energy across Carbon County.
Area context
Crime & safety

Wyoming consistently logs violent crime rates well below the national baseline, though property crime rates in select commercial and transit hubs such as Cheyenne and Casper align closer to national medians. Overall statewide violent crime remains among the lowest quintile in the United States.

Schools & education

Wyoming ranks among the highest states in per-pupil funding due to mineral severance revenues supporting the public education block-grant model. Public school performance across districts like Albany County #1 and Sheridan County #2 regularly exceeds national academic benchmarks.

Environmental & hazard

Wildfire and severe winter storms/blizzards represent the primary environmental hazards across the state, alongside localized mountain river flooding during spring snowmelt. Property insurance availability remains comparatively stable relative to coastal states, though wildfire-exposed foothill properties face increasing underwriter scrutiny.

Growth & development

Economic expansion is paced by traditional energy production (oil, natural gas, coal) alongside rapid growth in next-generation nuclear energy (TerraPower's Natrium plant in Kemmerer), large enterprise data centers in Cheyenne, and steady high-net-worth migration into resort communities.

Taxation

Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. Federal (United States (federal)) — Federal General Tax Lien Encumbrance: Under IRC § 6321, a statutory lien arises automatically as of the date of assessment and attaches to all real property owned or acquired by the taxpayer. Upon the IRS filing a Notice of Federal Tax Lien (NFTL) in local county land records under IRC § 6323, it perfects priority against subsequent pur Federal (United States (federal)) — Foreign Investment in Real Property Tax Act (FIRPTA) Tax Withholding: Imposes an absolute statutory obligation on the transferee/buyer to withhold gross tax from the total amount realized (purchase price) upon disposition and remit it to the IRS within 20 days using Forms 8288 and 8288-A. Rate structure and formula: Base statutory withholding rate is 15% of the gross

Recreation & amenities

Wyoming offers world-renowned outdoor recreation anchored by Yellowstone and Grand Teton National Parks, premier alpine skiing in Jackson Hole, Blue Ribbon trout fly-fishing on the North Platte, and millions of acres of BLM and USFS public lands for hunting, hiking, and camping.

Rental market

Rental inventory remains structurally constrained across resort corridors like Teton County and workforce energy hubs, sustaining low vacancy rates and firm median rents relative to local median earnings.

Economy & employers

Wyoming's economy is anchored by natural resource extraction (oil, natural gas, trona, and Powder River Basin coal), agriculture/ranching, and travel/tourism. High-tech data infrastructure, rare earth mining exploration, and advanced nuclear power are providing fresh economic diversification.

Transportation & infrastructure

Interstate 80 and Interstate 25 serve as the principal commercial freight and vehicular thoroughfares across the state, complemented by extensive BNSF and Union Pacific freight rail networks.

Development pipeline

Major statewide planning efforts focus on energy transmission corridors, carbon capture infrastructure, industrial water rights, and expanding workforce housing around Teton, Laramie, and Sheridan counties.

County appraisal district

Wyoming property values are assessed annually at fair market value by county assessors under oversight from the Wyoming Department of Revenue, using a statutory 9.5% assessment tier for residential properties.

Special districts

Property tax bills commonly bundle county, municipal, unified school district, and local special improvement districts such as conservation, weed & pest, hospital, and cemetery districts.

Insurance & hazard market

Wyoming's property insurance market remains stable and predominantly private, with average homeowner premiums below coastal benchmarks, though severe hail, wind, and WUI fire hazards prompt rate firming in localized micro-markets.

Migration & population flows

Wyoming has observed positive net domestic migration over recent annual cycles, driven by inbound inflows from California, Colorado, Washington, and New York pursuing low tax rates, safety, and outdoor lifestyles.

Foreclosure doctrine

Wyoming is primarily a non-judicial foreclosure state utilizing a deed of trust or mortgage with a power of sale, requiring notice publication once a week for four consecutive weeks prior to sale. Mortgagors retain a statutory right of redemption for three months following the foreclosure sale date.

Disclosure doctrine

Wyoming does not statutorily mandate a comprehensive standard seller disclosure statement; it leans toward caveat emptor (buyer beware), though licensed real estate professionals must disclose known material adverse defects, and federal lead-based paint rules apply.

Discovery profileACS 2019-2023 5-year estimates
Census profile · Wyoming
Population
581,381
Median age
38.9 yrs
Owner-occupancy
72.4%
Median home value
$266,400
Median gross rent
$924
Median household income
$72,495
Median year built
1980
Vacancy rate
13.8%
Renter share
27.6%
Owner cost burden
19.8%
Renter cost burden
42.1%
Population change
+0.8%
Net migration
2,450
Work-from-home share
8.7%
Mean commute
18.4 min
Bachelor's or higher
29.8%
Unemployment
3.2%
Poverty rate
10.7%
Avg household size
2.44
White alone (non-Hispanic)
81.6%
Hispanic or Latino
10.4%
American Indian & Alaska Native alone
2.4%
Two or more races
3.4%
Asian alone
1.1%
Black or African American alone
1.1%

Data retrieved from U.S. Census Bureau American Community Survey 5-Year Estimates for the State of Wyoming.

Major employers & industries
State of Wyoming & Local GovernmentsPublic Administration & EducationLargest combined employer statewide
University of WyomingHigher Education~2,800 employees in Laramie
Cheyenne Regional Medical CenterHealthcare~2,000+ employees
F.E. Warren Air Force BaseMilitary & Defense~3,500 military and civilian personnel
Genesis Alkali / Solvay ChemicalsMining & Chemical ManufacturingMajor trona mining operations in Sweetwater County
Latest refresh summary

Wyoming's housing market has entered a stabilized regime characterized by modest annual value appreciation (+1.5% YoY) and tight available inventory across major non-resort employment centers. Inventory sits below 3 months of supply across populous counties like Laramie and Natrona, supporting resilient pricing despite 6.5-7% mortgage rates. Long-term demographic inflows seeking no state income tax continue to underpin structural demand against limited rural new construction.

Sources · 5 cited
Market signals — layered trendsWyoming · 8 charts · one line per tier in the chain

Forecasts are for speculation only and should not be used as a deciding factor in any transaction. Projections trend strictly from calculable historical values — the platform cannot predict market movements, market sentiment, or the market itself.

Assessed-value momentum — YoY
county-assessed values · 5-yr historical · 1-yr forecast at the trailing 3-read mean · no-roll-up tiers: own refresh series
Awaiting measured historycharts once enough refresh-cycle reads accumulate

Awaiting measured history — this chart renders once enough refresh-cycle reads accumulate (a one-point series is not a trend).

Assessed value — dollar levels$44k assessed
raw district CAD assessed levels · 5-yr historical · 1-yr forecast · property mix varies with coverage
Jul 20May 22Apr 24Jul 27$33k$39k$44k$50k$55k
Wyomingassessment roll-up levels · thinnest year rests on 1 property · district CAD$44kthrough Jul 25

Projection: trailing 3-yr pace of +10.5%/yr · est., not a measured read

Assessed value — indexed trajectory+34 vs base 100
YoY-chained index · base 100 at each line's first charted year · 5-yr historical · 1-yr forecast
Jul 20May 22Apr 24Jul 27100 idx120 idx140 idx160 idx180 idx
WyomingYoY-chained index off the district CAD assessed ledger · base 100 at the line's first charted year134 idxthrough Jul 25

Projection: trailing 3-yr pace of +10.5%/yr · est., not a measured read

Comp sales — month over month
nearby comp sales vs the assessed anchor · 5-yr window · 1-yr projection
Awaiting measured historycharts once enough refresh-cycle reads accumulate

Awaiting measured history — this chart renders once enough refresh-cycle reads accumulate (a one-point series is not a trend).

Active inventory — month over month
5-yr window · 1-yr projection
Awaiting measured historycharts once enough refresh-cycle reads accumulate

Awaiting measured history — this chart renders once enough refresh-cycle reads accumulate (a one-point series is not a trend).

Liquidity velocity — days on market
5-yr window · 1-yr projection
Awaiting measured historycharts once enough refresh-cycle reads accumulate

Awaiting measured history — this chart renders once enough refresh-cycle reads accumulate (a one-point series is not a trend).

Price-cut share
5-yr window · 1-yr projection
Awaiting measured historycharts once enough refresh-cycle reads accumulate

Awaiting measured history — this chart renders once enough refresh-cycle reads accumulate (a one-point series is not a trend).

Foreclosure presence
5-yr window · 1-yr projection
Awaiting measured historycharts once enough refresh-cycle reads accumulate

Awaiting measured history — this chart renders once enough refresh-cycle reads accumulate (a one-point series is not a trend).

Standard trend model — solid = measured history · dashed = projection anchored at each line's last measured point, following that series' trailing pace (CAGR capped ±12%/yr) or trailing mean · projections are estimates, not measured reads · every charted series runs the standard 5-year historical window with a 1-year forecast, trimmed from the full retained ledger — the forecast always extends into the future year (a lagging ledger bridges to it) and stops there on purpose: authoritative, not wizardry · every price line is county-assessed value from the district CAD — the tier's same-parcel assessment roll-up on the momentum tile, the assessed trajectory in raw dollar levels and as a YoY-chained index (base 100), and the month-over-month pace from nearby comparable sales pooled from the research track; a tier without comps yet keeps its pace story with the assessed trend. Inventory, liquidity, price-cut and foreclosure lines run on the platform's own measured series.

Foreclosure ledgerWyoming · open the full ledger
Recorded notices
0
Statutory trustee notices in scope
Upcoming sales
0
No dated sale in the current set
Distress weight
0.0
per 10,000 residents
Weight band
LOW WEIGHT

No recorded foreclosure notices for Wyoming yet. Counties ingest on the scheduled rotation — absence here reads as no recorded notices, not as verified zero distress.

Jurisdictional burden contextinherited governance · most-local first
Federal · United States (federal)
Servicemembers Civil Relief Act (SCRA) Foreclosure and Eviction RestraintsForeclosure doctrineConditional

applies when — Parcel encumbered by a mortgage or occupied by a residential tenant where the mortgagor or lessee entered active-duty military service.

Stays non-judicial foreclosure proceedings, property seizure, and eviction for parcels owned or leased by qualifying servicemembers. Foreclosure or distress sales initiated during military service or within one year after service are strictly invalid and void unless conducted pursuant to a valid court order or an express written waiver executed during or after military service.

Servicemembers Civil Relief Act of 2003 (Pub. L. 108-189; 50 U.S.C. § 3953 and 50 U.S.C. § 3955), originally enacted as the Soldiers' and Sailors' Civil Relief Act of 1940; amended by the Military Spouses Residency Relief Act.

Comprehensive Environmental Response, Compensation, and Liability Act (CERCLA) Superfund LiensTaxationConditional

applies when — Parcel where the federal government (EPA) has incurred response costs for cleanup or remediation of hazardous substance releases, and the parcel owner was provided written notice of potential liability.

Establishes a statutory federal lien upon the parcel running in favor of the United States for all unrecovered cleanup costs, damages, and statutory interest incurred by the EPA. Rate and formula: Direct Dollar-for-Dollar Reimbursement (Lien Amount = Incurred Response Costs + Administrative Costs + Statutory Interest under 42 U.S.C. § 9607(a)). Exemptions: Bona Fide Prospective Purchasers (BFPP) and Innocent Landowners under the Small Business Liability Relief and Brownfields Revitalization Act are exempt from personal liability if they perform All Appropriate Inquiries (AAI Phase I ESA) prior to purchase and comply with ongoing continuing obligations, though a 'windfall lien' may still attach to the parcel up to the unearned increase in fair market value attributable to the response action.

CERCLA of 1980, Section 107(l) (42 U.S.C. § 9607(l)) and Section 107(r) (Windfall Liens), as amended by SARA (1986) and the Brownfields Revitalization Act of 2002.

Endangered Species Act Section 9 Parcel Take ProhibitionsLand use & zoningConditional

applies when — Parcel contains designated critical habitat or supports listed threatened or endangered animal species under the Endangered Species Act.

Makes it unlawful to 'take' listed species (including significant habitat modification or degradation that impairs breeding, feeding, or sheltering). Precludes parcel clearing, tree removal, earthmoving, or construction unless the property owner prepares an approved Habitat Conservation Plan (HCP) and secures an Incidental Take Permit under Section 10(a) or receives Section 7 interagency consultation clearance.

Endangered Species Act of 1973, 16 U.S.C. §§ 1538-1539; 50 CFR Parts 17 and 222.

National Historic Preservation Act (NHPA) Section 106 ComplianceLand use & zoningConditional

applies when — Parcel contains a historic property listed on, or eligible for listing on, the National Register of Historic Places, subject to an undertaking involving federal permits, licenses, funding, or loan guarantees (e.g., HUD, USDA, or USACE approvals).

Mandates federal agencies to evaluate the effect of the proposed residential undertaking on historic properties and consult with State Historic Preservation Officers (SHPO) and Tribal Historic Preservation Officers (THPO). Restricts structural alterations, ground disturbance, demolition, or aesthetic elevations that cause adverse effects, often requiring formal Memoranda of Agreement (MOA) and mitigation measures.

National Historic Preservation Act of 1966, recodified at 54 U.S.C. § 306108; implementing regulations at 36 CFR Part 800.

Clean Water Act Section 404 Wetland and Waters RegulationLand use & zoningConditional

applies when — Parcel contains delineated 'waters of the United States' (WOTUS), including jurisdictional wetlands, streams, or navigable waterways.

Prohibits the discharge of dredged or fill material into jurisdictional waters on the parcel without an individual or nationwide permit issued by the U.S. Army Corps of Engineers (USACE). Restricts residential site grading, bulkheading, retention pond construction, or development footprints, and may require expensive compensatory mitigation or off-site wetland credits to disturb designated acreage.

Federal Water Pollution Control Act Amendments of 1972 (Clean Water Act), 33 U.S.C. § 1344; joint regulations at 33 CFR Parts 320-332 and 40 CFR Part 230.

VA Minimum Property Requirements (MPRs) for Loan GuarantyBuilding & codesConditional

applies when — Parcel securing a residential loan guaranteed under the Department of Veterans Affairs (VA) Home Loan program.

Imposes mandatory VA Minimum Property Requirements (MPRs) ensuring the residential dwelling is safe, structurally sound, and sanitary. Mandates specific parcel covenants, including permanent year-round vehicular access, dedicated continuous utilities, separation from environmental/industrial hazards (such as high-voltage lines or pipeline easements), and certified termite/wood-destroying insect clearance in designated infestation zones.

Servicemen's Readjustment Act of 1944; 38 U.S.C. Chapter 37; 38 CFR Part 36; VA Pamphlet 26-7 (Lenders Handbook), Chapter 12.

Federal Housing Administration (FHA) Minimum Property Standards & Loan CeilingsBuilding & codesConditional

applies when — Parcel securing a residential purchase or refinance financed through an FHA-insured Title II mortgage.

Binds the parcel to HUD's Minimum Property Standards (MPS) covering basic safety, soundness, and security (e.g., structural integrity, adequate heating, safe potable water, clear drainage, lead-free surfaces). Imposes parcel-level statutory loan limits capping the insurable mortgage amount by county/MSA (ranging from the national 'floor' to the national 'ceiling' based on median county home prices). Non-compliant property deficiencies must be cured as a condition precedent to endorsement.

National Housing Act of 1934; 12 U.S.C. § 1709; 24 CFR Part 200, Subpart S; HUD Handbook 4000.1 (Single Family Housing Policy Handbook), adjusted annually by HUD Mortgagee Letters.

Foreign Investment in Real Property Tax Act (FIRPTA) WithholdingTaxationConditional

applies when — Disposition of a United States Real Property Interest (USRPI) where the transferor (seller) is a foreign person (non-resident alien individual, foreign corporation, foreign partnership, trust, or estate).

Imposes an affirmative withholding tax obligation on the transferee (buyer) to withhold and remit tax on the gross amount realized (gross sales price). The statutory base withholding rate is 15% of the total purchase price (Formula: Tax = Amount Realized × 15%). Exemptions and reductions: (1) 0% withholding applies if the amount realized is $300,000 or less AND the buyer certifies personal residence occupancy for at least 50% of days used over each of the first two 12-month periods; (2) reduced withholding rate of 10% applies if the amount realized exceeds $300,000 but does not exceed $1,000,000 and the buyer meets the personal residence requirement (Formula: Tax = Amount Realized × 10%); (3) withholding can be reduced or eliminated if an IRS Withholding Certificate (Form 8288-B) is obtained or if the seller furnishes a Non-Foreign Status Certification.

Internal Revenue Code Section 1445 (26 U.S.C. § 1445), originally enacted under FIRPTA of 1980; standard rate increased from 10% to 15% under the Protecting Americans from Tax Hikes (PATH) Act of 2015, effective February 16, 2016.

Federal Residential Lead-Based Paint Hazard Reduction Disclosure (Title X)Disclosure & transactionConditional

applies when — Residential 'target housing' constructed prior to 1978 offered for sale or lease (excluding zero-bedroom dwellings, housing for the elderly or persons with disabilities unless a child under 6 resides there, and certified lead-free properties).

Requires sellers and landlords to disclose known lead-based paint and lead-based paint hazards, provide all available evaluation reports/records, provide the EPA-approved informational pamphlet 'Protect Your Family From Lead in Your Home', and grant prospective buyers a 10-day inspection period (subject to mutual written waiver). Parties must execute a formal disclosure attachment; failure exposes non-compliant parties to statutory civil penalties and treble damages.

Residential Lead-Based Paint Hazard Reduction Act of 1992 (Title X of Pub. L. 102-550; 42 U.S.C. § 4852d); joint HUD/EPA regulations at 24 CFR Part 35, Subpart A and 40 CFR Part 745, Subpart F.

Fair Housing Act Parcel Design, Construction, and Accessibility StandardsBuilding & codesConditional

applies when — The parcel contains covered multifamily residential dwellings designed and constructed for first occupancy after March 13, 1991 (defined as all dwelling units in buildings with 4 or more units with an elevator, or ground floor dwelling units in buildings with 4 or more units without an elevator).

Imposes mandatory physical structural criteria on the parcel improvements: (1) accessible building entrance on an accessible route, (2) accessible public and common use areas, (3) usable doors for wheelchairs, (4) accessible routes into and through each dwelling unit, (5) light switches, electrical outlets, and environmental controls in accessible locations, (6) reinforced bathroom walls for grab bar installation, and (7) usable kitchens and bathrooms permitting wheelchair maneuvering. Non-conforming improvements require mandatory structural retrofits and subject developers/owners to federal civil actions.

Fair Housing Amendments Act of 1988 (42 U.S.C. 3604(f)(3)(C)); HUD regulations at 24 CFR 100.205.

Servicemembers Civil Relief Act (SCRA) Mortgage Foreclosure MoratoriumForeclosure doctrineConditional

applies when — The parcel secures a residential mortgage originated before the property owner entered active military service, where the debt is enforced during or within one year after active military service.

Restricts lender foreclosure rights by nullifying any non-judicial foreclosure, sale, or seizure of the residential parcel without a court order or valid written waiver executed by the servicemember during or after active duty. Courts are empowered to stay foreclosure proceedings or adjust loan payments. Foreclosing without a court order constitutes a federal criminal misdemeanor and exposes the lender to civil damages.

50 U.S.C. 3953; codified originally as the Soldiers' and Sailors' Civil Relief Act of 1940, modernized under the Servicemembers Civil Relief Act of 2003 (Pub. L. 108-189).

Federal General Tax Lien EncumbranceTaxationConditional

applies when — The residential parcel is owned by a person or entity that has neglected or refused to pay any assessed federal tax liability (income, gift, estate, or payroll tax) after formal demand.

Under IRC § 6321, a statutory lien arises automatically as of the date of assessment and attaches to all real property owned or acquired by the taxpayer. Upon the IRS filing a Notice of Federal Tax Lien (NFTL) in local county land records under IRC § 6323, it perfects priority against subsequent purchasers, mortgagees, and judgment lien creditors. Rate and computation: The lien secures 100% of the underlying unpaid tax assessment, plus compounding interest under IRC § 6621 (the federal short-term rate plus 3 percentage points) and statutory late-payment penalties under IRC § 6651 (0.5% per month, up to a maximum cap of 25%). No parcel-level homestead exemption exists under federal law against an IRC § 7403 judicial foreclosure or tax collection lien.

Internal Revenue Code (IRC) §§ 6321, 6322, 6323.

EPA Lead Renovation, Repair, and Painting (RRP) RuleBuilding & codesConditional

applies when — The parcel is improved with target residential housing built before 1978 undergoing renovation, repair, or painting activities for compensation that disturb more than 6 sq. ft. of interior painted surface or 20 sq. ft. of exterior painted surface.

Legally prohibits uncertified contractors from performing qualifying physical alterations on the home. Contractors must be EPA-certified and adhere to specific lead-safe containment, containment plastic barriers, HEPA vacuuming, and cleaning verification protocols. Imposes strict recordkeeping burdens and exposes property alterations to federal administrative stop-work orders and civil fines for uncontained lead dust contamination.

Promulgated under TSCA § 402(c)(3) (15 U.S.C. 2682); codified at 40 CFR Part 745, Subpart E; fully effective April 22, 2010.

Clean Water Act Section 404 Waters of the United States (WOTUS) PermittingLand use & zoningConditional

applies when — The parcel contains wetlands, streams, or waterways that meet the definition of 'Waters of the United States' (WOTUS) as delineated under the Clean Water Act.

Prohibits the discharge of dredged or fill material into jurisdictional wetlands or waters without a permit issued by the U.S. Army Corps of Engineers (USACE). Restricts residential site grading, driveway installation, structural foundation expansion, or shoreline bulkheading; unauthorized fill mandates compulsory site restoration and subjects parcel owners to civil penalties exceeding $50,000 per day under 33 U.S.C. 1319.

Federal Water Pollution Control Act (Clean Water Act), 33 U.S.C. 1344; current delineation criteria governed in accordance with Sackett v. EPA (2023) and conforming federal rulemaking (40 CFR Part 120 / 33 CFR Part 328).

Federal Historic Preservation Review Encumbrance (Section 106)Land use & zoningConditional

applies when — The residential parcel is listed in or eligible for listing in the National Register of Historic Places, or lies within an eligible historic district, and involves an action subject to federal agency funding, permitting, licensing, or mortgage assistance (e.g., HUD/FHA, VA, USDA, or USACE permits).

Federal agencies must assess adverse effects on historic resources prior to approving loans, grants, or permits. Parcel alterations, demolitions, or rehabilitation programs that receive federal assistance are subjected to binding Section 106 consultation with the State Historic Preservation Officer (SHPO) and must adhere to the Secretary of the Interior's Standards for the Treatment of Historic Properties, restricting unapproved structural modifications or exterior elevation changes.

National Historic Preservation Act of 1966 (54 U.S.C. 306108, formerly 16 U.S.C. 470f); regulations codified at 36 CFR Part 800.

FHA / HUD Single-Family Property Standards and County Loan LimitsLending & financingConditional

applies when — The parcel is being purchased or refinanced using FHA-insured Title II financing under the National Housing Act.

Restricts financing eligibility based on parcel and structural criteria: (1) County Loan Limits cap the maximum insurable mortgage balance per parcel based on local median housing costs (ranging from a federal statutory floor of 65% of the national conforming limit up to a statutory ceiling of 150%). (2) Imposes mandatory HUD Minimum Property Standards (MPS; HUD Handbook 4000.1 / 24 CFR Part 200) requiring mandatory appraisal repair escrows or seller cures for deficiencies regarding structural soundness, safety, soil stability, drainage, well/septic separation buffers, and lead paint encapsulation before loan endorsement.

National Housing Act of 1934, as amended (12 U.S.C. 1709); annual loan limit updates promulgated under the Housing and Economic Recovery Act of 2008 (HERA).

Foreign Investment in Real Property Tax Act (FIRPTA) Tax WithholdingTaxationConditional

applies when — The parcel constitutes a U.S. Real Property Interest (USRPI) transferred or disposed of by a 'foreign person' (non-resident alien individual, foreign corporation, foreign partnership, or foreign trust/estate).

Imposes an absolute statutory obligation on the transferee/buyer to withhold gross tax from the total amount realized (purchase price) upon disposition and remit it to the IRS within 20 days using Forms 8288 and 8288-A. Rate structure and formula: Base statutory withholding rate is 15% of the gross sales price. Residential personal residence exemption computation: (1) If the gross sales price does not exceed $300,000 AND the buyer (or family member) intends to use the parcel as a personal residence for at least 50% of days used during each of the first two 12-month periods, the withholding rate is 0%. (2) If the gross sales price exceeds $300,000 but does not exceed $1,000,000 and meets the same personal residence test, the withholding rate is reduced to 10% of the gross sales price. (3) For all sales exceeding $1,000,000, or where the buyer does not satisfy the personal residence requir

Internal Revenue Code (IRC) § 1445; enacted via the Foreign Investment in Real Property Tax Act of 1980, with standard rate increased from 10% to 15% pursuant to the PATH Act of 2015.

Residential Lead-Based Paint Hazard Reduction Act (Title X) DisclosureDisclosure & transactionConditional

applies when — The parcel is improved with 'target housing,' defined as any residential dwelling constructed prior to 1978, except housing for the elderly or persons with disabilities (unless a child under age 6 resides or is expected to reside there) or 0-bedroom dwellings.

Before a purchaser or lessee becomes obligated under any contract to buy or lease, the seller or landlord must: (1) provide an EPA-approved lead hazard information pamphlet ('Protect Your Family From Lead In Your Home'), (2) disclose any known lead-based paint or hazards and provide all available records/evaluations, (3) attach a federal Lead Warning Statement and disclosure certification to the contract, and (4) afford buyers a mandatory 10-day mutual inspection period (waivable in writing) to conduct a risk assessment. Failure to comply exposes violators to civil liability, statutory treble damages, and administrative penalties up to statutory maximums per violation.

Enacted under Title X of the Housing and Community Development Act of 1992 (42 U.S.C. 4852d), implemented jointly by EPA and HUD at 40 CFR Part 745 / 24 CFR Part 35.

FEMA Special Flood Hazard Area — NFIP Mandatory Purchase RequirementHazard & insuranceConditional

applies when — Parcel contains improved real estate or a manufactured home situated within a FEMA-designated Special Flood Hazard Area (SFHA, such as Zones A or V / 100-year floodplain) in an NFIP-participating community, where financing is secured via a federally regulated, supervised, or insured lender (including GSEs, FHA, VA, USDA).

Mandates borrower to purchase and maintain flood insurance coverage (via NFIP or qualifying private flood insurance policy) for the term of the mortgage up to the lesser of the outstanding principal loan balance, the maximum NFIP statutory limit ($250,000 for residential 1-4 units), or the insurable value of the property. Lenders must escrow flood insurance premiums unless specific small-lender exceptions apply.

Established under the Flood Disaster Protection Act of 1973 (42 U.S.C. § 4012a) and National Flood Insurance Act of 1968, amended by the Biggert-Waters Flood Insurance Reform Act of 2012; private flood insurance acceptance regulations updated at 24 CFR Part 203 (FHA, 2022).

Governance registry — every jurisdiction re-researches on a rolling 90-day cycle. Property reports compose these inherited burdens into a per-parcel ledger with conditional determinations. Informational only — not legal advice.