Wyoming mortgage calculator

This mortgage calculator will help you estimate the costs of your mortgage loan. Get a clear breakdown of your potential mortgage payments with taxes and insurance included.
Wyoming housing market
Wyoming, the Equality State, has a housing market representative of the country as home prices are near the national average. The housing market is dominated by single family homes, 65% of the market, with the largest metro area being Cheyenne. Don't expect that to change as Wyoming has the highest land to people ratio, second only to Alaska.

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Your monthly payment
30 year fixed loan term
Principal & interest


Property taxes

Homeowners insurance

Homeowners association (HOA) fees

Principal & interest


Property taxes

Homeowners insurance

Homeowners association (HOA) fees

Compare common loan types
Total principal: $240,000
Loan Term
30-year fixed
Your Input
15-year fixed
30-year fixed
Total Monthly Payment$1,599$2,067$1,528
Mortgage Rate4.125%2.774%*3.605%*
Total interest paid$178,737$53,658$153,056
* Data source: ©Zillow, Inc. 2006 – 2022. Use is subject to the Terms of Use
See how your payments change over time for your 30-year fixed loan term
At year 0
30 year fixed loan term

Principal Paid
Interest Paid
Year 0
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Principal & interest


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Wyoming mortgage and refinance rates today (APR)

ProductInterest rateAPR
30-year fixed-rate3.521%3.590%
20-year fixed-rate3.275%3.360%
15-year fixed-rate2.645%2.759%
7/1 ARM3.125%3.141%
5/1 ARM2.833%3.126%
30-year fixed-rate FHA2.812%3.493%
30-year fixed-rate VA3.062%3.396%

Data source: ©Zillow, Inc. 2006 – 2021. Use is subject to the Terms of Use

Today's rate

30-year fixed

Today’s mortgage rates in Wyoming are 3.590% for a 30-year fixed, 2.759% for a 15-year fixed, and 3.126% for a 5/1 adjustable-rate mortgage (ARM).

Getting ready to buy a home? We’ll find you a highly rated lender in just a few minutes.

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First-time home buyer programs in Wyoming

There are several national first-time home buyer programs that may be able to help you get into a home in Wyoming.

Conventional mortgage

National program

What you need to know

Best for home buyers with good credit looking for low down payments or limited mortgage insurance premiums. A conventional mortgage is a home loan that isn’t guaranteed or insured by the federal government. Conventional mortgages that conform to the requirements set forth by Fannie Mae and Freddie...

See full article

Average property tax in Wyoming counties

Taking U.S. Census data, NerdWallet has crunched the numbers to help you understand what property tax rate you can expect to pay on your future home in Wyoming. Because assessed values aren’t frequently updated, you may pay a higher rate at first but eventually you’ll pay a similar rate.

Avg. property tax rate
Avg. home value
Albany County0.61%$223,000
Big Horn County0.6%$151,900
Campbell County0.5%$213,900
Carbon County0.53%$158,600
Converse County0.57%$197,200
Crook County0.52%$219,000
Fremont County0.61%$189,700
Goshen County0.63%$154,900
Hot Springs County0.54%$147,700
Johnson County0.51%$255,200
Laramie County0.61%$217,500
Lincoln County0.58%$205,900
Natrona County0.59%$206,200
Niobrara County0.17%$152,500
Park County0.61%$236,200
Platte County0.5%$169,900
Sheridan County0.54%$240,900
Sublette County0.49%$264,800
Sweetwater County0.64%$201,000
Teton County0.45%$739,100
Uinta County0.55%$178,400
Washakie County0.59%$165,500
Weston County0.6%$180,100

Source: American Communities Survey 2016, U.S. Census

Under "Home price," enter the price (if you're buying) or the current value (if you're refinancing). NerdWallet also has a .

Under "Down payment," enter the amount of your down payment (if you’re buying) or the amount of equity you have (if refinancing). A  is the cash you pay upfront for a home, and  is the value of the home, minus what you owe.

On desktop, under "Interest rate" (to the right), enter the rate. Under "Loan term," click the plus and minus signs to adjust the length of the mortgage in years.

On mobile devices, tap "Refine Results" to find the field to enter the rate and use the plus and minus signs to select the "Loan term."

You may enter your own figures for  and , if you don’t wish to use NerdWallet’s estimates. Edit these figures by clicking on the amount currently displayed.

The mortgage calculator lets you click "Compare common loan types" to view a comparison of different loan terms. Click "Amortization" to see how the principal balance, principal paid (equity) and total interest paid change year by year. On mobile devices, scroll down to see "Amortization."

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The mortgage payment calculation looks like this: M = P [ i(1 + i)^n ] / [ (1 + i)^n – 1]

The variables are as follows:

Determining what your monthly house payment will be is an important part of figuring out how much house you can afford. That monthly payment is likely to be the biggest part of your cost of living.

Using NerdWallet’s mortgage calculator lets you estimate your mortgage payment when you buy a home or refinance. You can change loan details in the calculator to run scenarios. The calculator can help you decide:

Mortgage lenders are required to assess your ability to repay the amount you want to borrow. A lot of factors go into that assessment, and the main one is debt-to-income ratio.

Your  is the percentage of pretax income that goes toward monthly debt payments, including the mortgage, car payments, student loans, minimum credit card payments and child support. Lenders look most favorably on debt-to-income ratios of 36% or less — or a maximum of $1,800 a month on an income of $5,000 a month before taxes.

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If your mortgage payment included just principal and interest, you could use a bare-bones mortgage calculator. But most mortgage payments include other charges as well. Here are the key components of the monthly mortgage payment:

Typically, when you belong to a homeowners association, the dues are billed directly, and it's not added to the monthly mortgage payment. Because HOA dues can be easy to forget, they're included in NerdWallet's mortgage calculator.

The mortgage calculator lets you test scenarios to see how you can reduce the monthly payments:

Your monthly payment can go up over time if: