Conventional Loan Calculator — Wyoming
In Wyoming, one-unit loans up to $832,750–$1,249,125 are conforming. With 10% down on the typical $372,000 home, the $334,800 loan carries estimated PMI of 0.72% ($201/mo), which drops off after about 9 years once the balance reaches 80% of the price.
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.
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 |
Conventional Loan numbers for Wyoming
- Typical Wyoming home value
- $372,000
- 10% down ($37,200) · Zillow, August 31, 2026
- Loan amount
- $334,800
- conforming in all 23 Wyoming counties
- Estimated monthly payment
- $2,772
- APR 7.488%
- Wyoming property tax
- 0.53%
- $164/mo
- Homeowners insurance
- $2,075/yr
- $173/mo
- Wyoming conforming limit
- $832,750 – $1,249,125
- Above this, the loan is jumbo
- PMI
- 0.72% · $201/mo
- Drops off after 9 years
How much house can you afford in Wyoming with a conventional loan?
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% |
Conventional vs other loan types 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% |
Frequently asked questions
What is the monthly payment on a $372,000 home with a conventional loan in Wyoming?
Estimated $2,772 per month ($2,234 principal & interest, $164 property tax, $173 insurance, $201 PMI) at 7.03% for 30 years, with 10% down. APR 7.488%.
How much is PMI on a Wyoming conventional loan?
At 90% loan-to-value, PMI is estimated at 0.72% a year ($201/mo). It can be removed once the balance reaches 80% of the home's original value.
Explore related calculators
Compare in Wyoming
Conventional Loan calculator in nearby states
- Conventional Loan calculator — Colorado ($4,125/mo)
- Conventional Loan calculator — Idaho ($3,522/mo)
- Conventional Loan calculator — Montana ($3,598/mo)
- Conventional Loan calculator — Nebraska ($2,556/mo)
- Conventional Loan calculator — South Dakota ($2,689/mo)
- Conventional Loan calculator — Utah ($3,867/mo)
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
- 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
- CFPB — What is private mortgage insurance?
- Homeowners Protection Act (PMI cancellation at 78–80% LTV)
Estimates exclude lender origination fees, points and closing costs. See our methodology for formulas and limitations.