Wyoming Mortgage Calculator 2026
Wyoming has no state income tax, no corporate tax, and low property taxes (0.61%), making it one of the most tax-friendly states in the nation. The state's economy is driven by energy (oil, gas, coal) and tourism (Yellowstone, Grand Teton), creating distinct regional housing markets.
Calculate Your Wyoming Mortgage Payment
Pre-filled with Wyoming averages — adjust any value to match your situation.
= $66,000 down
Estimated Monthly Payment Breakdown
Based on $330,000 home price, 20% down, 30-year fixed at 7.25%.
Wyoming Property Taxes & Income Tax
Wyoming has no state income tax and no corporate tax. Property taxes average 0.61%, well below the national average. On a $330,000 home, expect ~$168/month in taxes. Wyoming's overall tax burden is among the lowest in the nation, funded primarily by mineral extraction revenues.
Wyoming Homeowners Insurance
Wyoming faces winter storm risk including heavy snowfall, blizzards, and extreme cold. Wildfire risk is present in forested areas. Annual insurance averages $900–$1,300. Budget $75–$110/month.
Wyoming Housing Market Overview
Wyoming's housing market is driven by energy sector employment in Casper and Gillette, government employment in Cheyenne, and the University of Wyoming in Laramie. Jackson Hole is one of the most expensive resort markets in the nation, driven by second-home demand from ultra-high-net-worth buyers. Much of rural Wyoming qualifies for USDA loans.
Frequently Asked Questions
What is the average mortgage payment in Wyoming?
Based on Wyoming's median home price of $330,000, a 20% down payment, and a 30-year fixed rate of 7.25%, the estimated total monthly payment (PITI) is approximately $2,069/month.
What is the conforming loan limit in Wyoming?
The conforming loan limit in Wyoming is $766,550. Loans above this amount are jumbo loans requiring stronger credit and larger down payments.
Can I get a USDA loan in Wyoming?
Yes — Wyoming has USDA-eligible rural areas where qualifying buyers can purchase a home with zero down payment. Use the USDA eligibility map to check specific addresses.
Are VA loans available in Wyoming?
Yes — eligible veterans, active-duty service members, and surviving spouses can use VA loans in Wyoming with no down payment and no PMI. The VA loan limit in Wyoming is $766,550.
Wyoming Loan Limits
Wyoming Homebuyer Programs
Below-market interest rate mortgages with optional down payment assistance for qualifying first-time homebuyers in Wyoming.
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