FHA Loan Calculator — Wyoming
On the typical Wyoming home ($372,000), 3.5% down leaves a $358,980 base loan. The 1.75% upfront premium ($6,282) is financed, for a $365,262 loan, and annual MIP of 0.55% adds $167 a month for the life of the loan. Wyoming FHA limits run $541,287–$1,249,125 by county.
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
$2,941
Principal & Interest + Taxes + Insurance
APR 7.761%
Total Interest
$512,225
Total Cost
$1,038,961
Advanced Parameters
FHA Mortgage Insurance Premium (MIP)
Annual MIP of 0.55% is billed monthly on the average balance of each loan year. With less than 10% down it lasts for the life of the loan; with 10% or more down it ends after 11 years. A 1.75% upfront premium is also added to the loan.
Loan Summary
Payoff Date
Sep 2056
Interest / Principal
1.40x
Mortgage Insurance Ends
Full term
50% Equity
Jul 2048
Amortization Schedule
| Period | Payment | Principal | Interest | MIP | Balance | Equity |
|---|---|---|---|---|---|---|
| Year 1 | $29,250 | $3,689 | $25,561 | $2,000 | $361,573 | $10,427 |
| Year 2 | $29,250 | $3,957 | $25,293 | $1,979 | $357,616 | $14,384 |
| Year 3 | $29,250 | $4,244 | $25,005 | $1,956 | $353,372 | $18,628 |
| Year 4 | $29,250 | $4,552 | $24,697 | $1,932 | $348,820 | $23,180 |
| Year 5 | $29,250 | $4,883 | $24,367 | $1,906 | $343,937 | $28,063 |
| Year 6 | $29,250 | $5,237 | $24,012 | $1,879 | $338,700 | $33,300 |
| Year 7 | $29,250 | $5,618 | $23,632 | $1,849 | $333,082 | $38,918 |
| Year 8 | $29,250 | $6,026 | $23,224 | $1,817 | $327,057 | $44,943 |
| Year 9 | $29,250 | $6,463 | $22,786 | $1,783 | $320,594 | $51,406 |
| Year 10 | $29,250 | $6,932 | $22,317 | $1,746 | $313,661 | $58,339 |
| Year 11 | $29,250 | $7,436 | $21,814 | $1,707 | $306,226 | $65,774 |
| Year 12 | $29,250 | $7,976 | $21,274 | $1,664 | $298,250 | $73,750 |
| Year 13 | $29,250 | $8,555 | $20,695 | $1,619 | $289,695 | $82,305 |
| Year 14 | $29,250 | $9,176 | $20,074 | $1,570 | $280,519 | $91,481 |
| Year 15 | $29,250 | $9,842 | $19,407 | $1,518 | $270,677 | $101,323 |
| Year 16 | $29,250 | $10,557 | $18,693 | $1,462 | $260,121 | $111,879 |
| Year 17 | $29,250 | $11,323 | $17,926 | $1,402 | $248,797 | $123,203 |
| Year 18 | $29,250 | $12,145 | $17,104 | $1,338 | $236,652 | $135,348 |
| Year 19 | $29,250 | $13,027 | $16,222 | $1,269 | $223,625 | $148,375 |
| Year 20 | $29,250 | $13,973 | $15,276 | $1,195 | $209,651 | $162,349 |
| Year 21 | $29,250 | $14,988 | $14,262 | $1,116 | $194,663 | $177,337 |
| Year 22 | $29,250 | $16,076 | $13,173 | $1,031 | $178,587 | $193,413 |
| Year 23 | $29,250 | $17,243 | $12,006 | $939 | $161,344 | $210,656 |
| Year 24 | $29,250 | $18,495 | $10,754 | $841 | $142,848 | $229,152 |
| Year 25 | $29,250 | $19,838 | $9,411 | $736 | $123,010 | $248,990 |
| Year 26 | $29,250 | $21,279 | $7,971 | $624 | $101,731 | $270,269 |
| Year 27 | $29,250 | $22,824 | $6,426 | $503 | $78,907 | $293,093 |
| Year 28 | $29,250 | $24,481 | $4,768 | $373 | $54,426 | $317,574 |
| Year 29 | $29,250 | $26,259 | $2,991 | $234 | $28,167 | $343,833 |
| Year 30 | $29,252 | $28,167 | $1,084 | $85 | $0 | $372,000 |
FHA Loan numbers for Wyoming
- Typical Wyoming home value
- $372,000
- 3.5% down ($13,020) · Zillow, August 31, 2026
- Loan amount
- $365,262
- Includes $6,282 financed UFMIP
- Estimated monthly payment
- $2,941
- APR 7.761%
- Wyoming property tax
- 0.53%
- $164/mo
- Homeowners insurance
- $2,075/yr
- $173/mo
- Upfront MIP (1.75%)
- $6,282
- Financed into the loan
- Annual MIP
- 0.55%
- $167/mo in year 1 · life of loan
- Wyoming FHA loan limit
- $541,287 – $1,249,125
- One-unit, by county
How much house can you afford in Wyoming with an fha loan?
Highest price where principal, interest, Wyoming property tax, insurance and FHA mortgage insurance (1.75% upfront premium financed, 0.55% annual MIP) stay within 28% of gross income —3.5% 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 |
|---|---|---|---|---|
| $40,000 | $933 | $102,000 | $3,570 | 27% |
| $50,000 | $1,167 | $133,000 | $4,655 | 36% |
| $60,000 | $1,400 | $164,000 | $5,740 | 44% |
| $75,000 | $1,750 | $211,000 | $7,385 | 57% |
| $100,000 | $2,333 | $290,000 | $10,150 | 78% |
| $125,000 | $2,917 | $368,000 | $12,880 | 99% |
| $150,000 | $3,500 | $446,000 | $15,610 | 120% |
FHA 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% |
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 payment on a $372,000 home with an fha loan in Wyoming?
Estimated $2,941 per month ($2,437 principal & interest, $164 property tax, $173 insurance, $167 FHA mortgage insurance) at 7.03% for 30 years, with 3.5% down. APR 7.761%.
What is the FHA loan limit in Wyoming for 2026?
Between $541,287 and $1,249,125 depending on the county for a one-unit home. $541,287 is the national FHA floor; counties with higher home prices get higher limits. Check your exact county on HUD's FHA mortgage limits lookup.
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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
- HUD Mortgagee Letter 2023-05 (annual MIP schedule)
- HUD — FHA single family housing policy handbook 4000.1
Estimates exclude lender origination fees, points and closing costs. See our methodology for formulas and limitations.