Wyoming Mortgage Calculator 2026

Calculate your monthly mortgage payment for a home in Wyoming (WY). The median home price in Wyoming is $285,100, with an effective property tax rate of 0.58% (ranked #38 nationally). Use our free calculator to compare FHA, VA, USDA, and conventional loan options with real Wyoming data.

Wyoming Property Tax Information

Wyoming has an effective property tax rate of 0.58%, ranking #38 among all 50 states. The median annual property tax is $1,659 ($138/month). Source: Tax Foundation 2025.

Wyoming Loan Limits 2026

FHA loan limit in Wyoming: $524,225 (floor) to $1,209,750 (ceiling for high-cost areas). Conforming loan limit: $806,500 (baseline) to $1,209,750 (ceiling). Wyoming has designated high-cost areas with higher limits.

Estimated Monthly Payment in Wyoming

For a median-priced home of $285,100 with 20% down ($57,020), at 6.5% interest over 30 years: estimated monthly principal and interest is $1,442, plus $138 in property taxes and approximately $125 in homeowner's insurance, for a total estimated payment of approximately $1,705/month.

Wyoming Closing Costs

Average closing costs in Wyoming are $3,070 (0.76% of purchase price), ranked #35 nationally. Wyoming does not charge a transfer tax. Source: Bankrate/LodeStar 2025.

Wyoming Housing Market 2026

Home prices in Wyoming have increased 2.5% year-over-year. Average days on market: 55. Inventory level: moderate. Currently considered a buyer's market.

Down Payment Assistance Programs in Wyoming

Wyoming offers 2 down payment assistance programs through Wyoming Community Development Authority (WCDA):

  • HomeStretch Down Payment Assistance (forgivable loan): Forgivable after 10 years. For first-time buyers. - Up to Up to $10,000
  • Spruce Up Wyoming (second mortgage): Combined purchase and rehab financing. - Up to Up to $25,000 for repairs

Contact WCDA: https://www.wyomingcda.com | Phone: 307-265-0603

Did You Know About Wyoming?

  • Wyoming has no state income tax and no transfer tax
  • Teton County (Jackson Hole) has high-cost loan limits
  • Energy sector influences housing market in some areas
  • Cheyenne is the largest city and primary market

Frequently Asked Questions About Buying a Home in Wyoming

What is the average property tax rate in Wyoming?

The effective property tax rate in Wyoming is 0.58%, with a median annual tax of $1,659. This ranks #38 among all states.

What are the FHA loan limits in Wyoming for 2026?

The FHA loan floor in Wyoming is $524,225 and the ceiling is $1,209,750 for high-cost areas. The conforming loan limit baseline is $806,500.

How much are closing costs in Wyoming?

Average closing costs in Wyoming are $3,070, which is approximately 0.76% of the purchase price.

Are there first-time homebuyer programs in Wyoming?

Yes, Wyoming offers 2 down payment assistance programs through Wyoming Community Development Authority, including grants, forgivable loans, and second mortgages.

Is Wyoming a good place to buy a home in 2026?

With a median home price of $285,100 and moderate inventory, Wyoming is currently a buyer's market. Home prices have increased 2.5% over the past year.

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Data last updated: 2025-11. This information is for educational purposes only and should not be considered financial advice.