Wyoming Mortgage Calculator
Wyoming has the 11th-lowest effective property tax rate of the 50 states at 0.53% — $1,414 less a year than the 0.91% state average on a $372,000 home. Homeowners insurance averages $2,075 a year, the 21st-lowest premium nationally and $645 less than the typical state.
Most Wyoming counties use the $832,750 conforming loan limit for 2026, but 1 high-cost county — Teton County ($1,249,125) — allow larger conforming loans. Above those amounts you need a jumbo loan.
On a $372,000 home, property tax and insurance add $337 a month in Wyoming, compared with $300 in Utah, $342 in Idaho, $457 in Montana, $569 in Colorado, $623 in South Dakota, $826 in Nebraska.
Loan Parameters
Total Monthly Payment
$2,772
Principal & Interest + Taxes + Insurance
APR 7.488%
Total Interest
$469,508
Total Cost
$945,795
Advanced Parameters
Private Mortgage Insurance (PMI)
Your down payment is below 20%. PMI is estimated at 0.72% annually and is removed here when your LTV reaches 80%.
Loan Summary
Payoff Date
Sep 2056
Interest / Principal
1.40x
Mortgage Insurance Ends
Feb 2035
50% Equity
Jul 2048
Amortization Schedule
| Period | Payment | Principal | Interest | PMI | Balance | Equity |
|---|---|---|---|---|---|---|
| Year 1 | $26,810 | $3,381 | $23,429 | $2,411 | $331,419 | $40,581 |
| Year 2 | $26,810 | $3,627 | $23,183 | $2,411 | $327,792 | $44,208 |
| Year 3 | $26,810 | $3,890 | $22,920 | $2,411 | $323,902 | $48,098 |
| Year 4 | $26,810 | $4,173 | $22,638 | $2,411 | $319,729 | $52,271 |
| Year 5 | $26,810 | $4,476 | $22,335 | $2,411 | $315,254 | $56,746 |
| Year 6 | $26,810 | $4,801 | $22,010 | $2,411 | $310,453 | $61,547 |
| Year 7 | $26,810 | $5,149 | $21,661 | $2,411 | $305,304 | $66,696 |
| Year 8 | $26,810 | $5,523 | $21,287 | $2,411 | $299,781 | $72,219 |
| Year 9 | $26,810 | $5,924 | $20,886 | $804 | $293,857 | $78,143 |
| Year 10 | $26,810 | $6,354 | $20,456 | — | $287,503 | $84,497 |
| Year 11 | $26,810 | $6,816 | $19,995 | — | $280,687 | $91,313 |
| Year 12 | $26,810 | $7,310 | $19,500 | — | $273,377 | $98,623 |
| Year 13 | $26,810 | $7,841 | $18,969 | — | $265,536 | $106,464 |
| Year 14 | $26,810 | $8,411 | $18,400 | — | $257,125 | $114,875 |
| Year 15 | $26,810 | $9,021 | $17,789 | — | $248,104 | $123,896 |
| Year 16 | $26,810 | $9,676 | $17,134 | — | $238,427 | $133,573 |
| Year 17 | $26,810 | $10,379 | $16,431 | — | $228,048 | $143,952 |
| Year 18 | $26,810 | $11,132 | $15,678 | — | $216,916 | $155,084 |
| Year 19 | $26,810 | $11,941 | $14,869 | — | $204,975 | $167,025 |
| Year 20 | $26,810 | $12,808 | $14,002 | — | $192,167 | $179,833 |
| Year 21 | $26,810 | $13,738 | $13,072 | — | $178,429 | $193,571 |
| Year 22 | $26,810 | $14,735 | $12,075 | — | $163,694 | $208,306 |
| Year 23 | $26,810 | $15,805 | $11,005 | — | $147,889 | $224,111 |
| Year 24 | $26,810 | $16,953 | $9,857 | — | $130,936 | $241,064 |
| Year 25 | $26,810 | $18,184 | $8,626 | — | $112,752 | $259,248 |
| Year 26 | $26,810 | $19,504 | $7,306 | — | $93,248 | $278,752 |
| Year 27 | $26,810 | $20,920 | $5,890 | — | $72,327 | $299,673 |
| Year 28 | $26,810 | $22,439 | $4,371 | — | $49,888 | $322,112 |
| Year 29 | $26,810 | $24,069 | $2,741 | — | $25,819 | $346,181 |
| Year 30 | $26,813 | $25,819 | $994 | — | $0 | $372,000 |
Wyoming mortgage data
- Typical home value
- $371,854
- Zillow ZHVI, August 31, 2026 (U.S. $368,697)
- Effective property tax rate
- 0.53%
- $1,972/yr on a $372,000 home
- Average homeowners insurance
- $2,075/yr
- $173/mo
- 2026 conforming loan limit
- $832,750 – $1,249,125
- 23 counties
- High-cost counties
- 1
- Limit above $832,750
- 2026 FHA loan limit (1-unit)
- $541,287 – $1,249,125
- Varies by county — confirm on HUD
- Current 30-yr / 15-yr fixed average
- 7.03% / 6.42%
- Freddie Mac PMMS, September 24, 2026
How much house can you afford in Wyoming?
Highest price where principal, interest, Wyoming property tax, insurance and PMI stay within 28% of gross income —10% down, 30-year fixed at 7.03%. Other debts lower these numbers.
| Household income | Housing budget / mo | Max home price | Down payment | vs typical home |
|---|---|---|---|---|
| $50,000 | $1,167 | $142,000 | $14,200 | 38% |
| $75,000 | $1,750 | $225,000 | $22,500 | 61% |
| $100,000 | $2,333 | $309,000 | $30,900 | 83% |
| $125,000 | $2,917 | $392,000 | $39,200 | 105% |
| $150,000 | $3,500 | $476,000 | $47,600 | 128% |
| $200,000 | $4,667 | $643,000 | $64,300 | 173% |
| $250,000 | $5,833 | $810,000 | $81,000 | 218% |
Wyoming mortgage payment by loan amount
30-year fixed at 7.03%, 20% down, with Wyoming property tax and insurance on the matching home price.
| Loan amount | P&I | Total / month | Income needed | Loan type |
|---|---|---|---|---|
| $150,000 mortgage | $1,001 | $1,257 | $54,000 | Conforming |
| $175,000 mortgage | $1,168 | $1,437 | $62,000 | Conforming |
| $200,000 mortgage | $1,335 | $1,618 | $70,000 | Conforming |
| $225,000 mortgage | $1,501 | $1,799 | $78,000 | Conforming |
| $250,000 mortgage | $1,668 | $1,979 | $85,000 | Conforming |
| $275,000 mortgage | $1,835 | $2,160 | $93,000 | Conforming |
| $300,000 mortgage | $2,002 | $2,341 | $101,000 | Conforming |
| $325,000 mortgage | $2,169 | $2,521 | $109,000 | Conforming |
| $350,000 mortgage | $2,336 | $2,702 | $116,000 | Conforming |
| $375,000 mortgage | $2,502 | $2,882 | $124,000 | Conforming |
| $400,000 mortgage | $2,669 | $3,063 | $132,000 | Conforming |
| $425,000 mortgage | $2,836 | $3,244 | $140,000 | Conforming |
| $450,000 mortgage | $3,003 | $3,424 | $147,000 | Conforming |
| $475,000 mortgage | $3,170 | $3,605 | $155,000 | Conforming |
| $500,000 mortgage | $3,337 | $3,786 | $163,000 | Conforming |
| $525,000 mortgage | $3,503 | $3,966 | $170,000 | Conforming |
| $550,000 mortgage | $3,670 | $4,147 | $178,000 | Conforming |
| $575,000 mortgage | $3,837 | $4,327 | $186,000 | Conforming |
| $600,000 mortgage | $4,004 | $4,508 | $194,000 | Conforming |
| $625,000 mortgage | $4,171 | $4,689 | $201,000 | Conforming |
| $650,000 mortgage | $4,338 | $4,869 | $209,000 | Conforming |
| $675,000 mortgage | $4,504 | $5,050 | $217,000 | Conforming |
| $700,000 mortgage | $4,671 | $5,231 | $225,000 | Conforming |
| $725,000 mortgage | $4,838 | $5,411 | $232,000 | Conforming |
| $750,000 mortgage | $5,005 | $5,592 | $240,000 | Conforming |
| $775,000 mortgage | $5,172 | $5,773 | $248,000 | Conforming |
| $800,000 mortgage | $5,339 | $5,953 | $256,000 | Conforming |
| $825,000 mortgage | $5,505 | $6,134 | $263,000 | Conforming |
| $850,000 mortgage | $5,672 | $6,314 | $271,000 | Jumbo in most counties |
| $875,000 mortgage | $5,839 | $6,495 | $279,000 | Jumbo in most counties |
| $900,000 mortgage | $6,006 | $6,676 | $287,000 | Jumbo in most counties |
| $925,000 mortgage | $6,173 | $6,856 | $294,000 | Jumbo in most counties |
| $950,000 mortgage | $6,340 | $7,037 | $302,000 | Jumbo in most counties |
| $975,000 mortgage | $6,506 | $7,218 | $310,000 | Jumbo in most counties |
| $1,000,000 mortgage | $6,673 | $7,398 | $318,000 | Jumbo in most counties |
| $1,100,000 mortgage | $7,341 | $8,121 | $349,000 | Jumbo in most counties |
| $1,200,000 mortgage | $8,008 | $8,843 | $379,000 | Jumbo in most counties |
| $1,300,000 mortgage | $8,675 | $9,566 | $410,000 | Jumbo |
| $1,400,000 mortgage | $9,342 | $10,288 | $441,000 | Jumbo |
| $1,500,000 mortgage | $10,010 | $11,011 | $472,000 | Jumbo |
Loan programs compared in Wyoming
$372,000 home, each program's typical minimum or default down payment, current average 30-year rate.
| Loan type | Down | Loan amount | Upfront fee | Monthly MI | Total / month | APR |
|---|---|---|---|---|---|---|
| Conventional | 10% · $37,200 | $334,800 | — | $201 PMI | $2,772 | 7.488% |
| FHA | 3.5% · $13,020 | $365,262 | UFMIP $6,282 | $167 MIP | $2,941 | 7.761% |
| VA | 0% · $0 | $379,998 | Funding fee $7,998 | $0 | $2,873 | 7.242% |
| JumboLoan is conforming (≤ $832,750) | 20% · $74,400 | $297,600 | — | $0 | $2,323 | 7.030% |
Wyoming high-cost counties (2026)
1 county has a one-unit conforming limit above the $832,750 baseline. Loans up to these amounts are conforming, not jumbo.
- Teton County$1,249,125
Frequently asked questions
What is the monthly mortgage payment on a $372,000 home in Wyoming?
$372,000 is the typical Wyoming home value. With 10% down on a conventional loan, the estimated payment is $2,772 per month ($2,234 principal & interest, $164 property tax, $173 insurance, $201 PMI) at 7.03% for 30 years, including Wyoming's 0.53% effective property tax rate.
What is the 2026 conforming loan limit in Wyoming?
$832,750 in most counties and up to $1,249,125 in 1 high-cost county, including Teton County.
How much income do I need for a $372,000 home in Wyoming?
About $119,000 a year if housing costs stay within 28% of gross income — a common lender guideline. Lenders also look at total debt-to-income, usually capped around 43%–50%.
How much house can I afford in Wyoming on a $100,000 salary?
About $309,000 with 10% down, keeping the payment (including Wyoming property tax, insurance and PMI) within 28% of gross income at 7.03%. The typical Wyoming home ($371,854) needs roughly $119,000 a year.
Explore related calculators
Wyoming calculators by loan type
Data sources & assumptions
- Freddie Mac Primary Mortgage Market Survey (PMMS) — Weekly average as of September 24, 2026
- Zillow Home Value Index (ZHVI), typical home value, all homes — Default home prices; typical value as of August 31, 2026
- FHFA 2026 Conforming Loan Limit Values (one-unit) — 2026 one-unit limits, 56 states & territories
- HUD FHA Mortgage Limits lookup — FHA floor $541,287; high-cost counties follow the conforming limit — confirm on HUD
- Effective statewide property tax rate (Tax Foundation, 2026 projections) — Statewide effective rate; county rates vary
- Average annual homeowners premium, $300K dwelling / $1K deductible (industry survey averages) — Statewide average premium
Estimates exclude lender origination fees, points and closing costs. See our methodology for formulas and limitations.