CALCMONEY // MORTGAGE // WY
Calculate your monthly mortgage payment using Wyoming-specific property tax rates, current average interest rates, and local median home prices.
Open Full Calculator$325,000
7%
0.61%
None
How today's 7% rate compares to recent years
| Period | 30-Yr Rate | vs. Today |
|---|---|---|
| 2026 (current) | 7% | — |
| 2024 avg | 7.42% | -0.42% |
| 2023 avg | 7.85% | -0.85% |
| 2022 peak | 7.68% | -0.68% |
| 2021 avg | 3.60% | +3.40% |
| 2020 avg | 3.40% | +3.60% |
Rate estimates based on Freddie Mac Primary Mortgage Market Survey national averages adjusted for Wyoming market conditions. Actual rates vary by lender and borrower profile.
| Principal & Interest | $1,730 |
| Property Tax | $165 |
| Homeowners Insurance (est.) | $108 |
| Total Monthly Payment (PITI) | $2,003 |
$65,000
$362,723
$85,857/yr
The median home price in Wyoming is $325,000, near the national median of $420,000. With a median household income of $65,000, the price-to-income ratio is 5.0x.
Property taxes in Wyoming average 0.61% of assessed value. On the median home, that is $1,983 per year, or $165 per month added to your mortgage payment. This is well below the national average of 1.1%, giving Wyoming homeowners a property tax advantage.
Wyoming has no state income tax, which means more of your gross salary goes to your take-home pay. This effectively increases your purchasing power compared to states with income tax.
The cost of living index in Wyoming is 95 (national average = 100). Everyday expenses beyond housing are close to the national average.
Once you have your payment estimate, comparing lenders is the most important step. A 0.25% rate difference on a $260,000 loan saves $11,700 in interest over 30 years.
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