Mortgage Calculator — Wyoming
Pre-filled with Wyoming's average home price of $300000, property tax rate of 0.5%, and average insurance of $1400/year. Adjust any value below.
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Wyoming Housing Market
Wyoming has no state income tax and very low property taxes. Jackson Hole is one of the most expensive markets in the country, driven by luxury resort and second-home demand. Cheyenne and Casper are significantly more accessible.
Affordability in Wyoming
Outside of Jackson Hole, Wyoming offers solid affordability with low property tax carrying costs. Cheyenne's proximity to Denver and its growing defense economy make it attractive for buyers priced out of the Colorado market.
Key Markets
First-Time Buyer Programs in Wyoming
WCDA First-Time Homebuyer Program
Below-market fixed-rate mortgage, with income and price limits.
WCDA Amortizing DPA
Low-rate second loan toward down payment and closing costs.
Programs are run by the Wyoming Community Development Authority (WCDA). Income limits, price limits and assistance amounts change often — confirm current terms with the agency or an approved lender.
Property Tax in Wyoming
Residential property is assessed at 9.5% of market value. Recent legislation added a homeowner exemption and caps on assessment growth for primary residences. At Wyoming's average effective rate of 0.5%, a $300,000 home pays roughly $1,500/year (about $125/month).
Wyoming Conforming Loan Limit
In 2026, the conforming loan limit is $832,750 in most counties. Designated high-cost areas can go up to $1,249,125. Loans above the limit are jumbo loans and usually need a larger down payment.
Closing Costs in Wyoming
Wyoming has no real estate transfer tax, no state income tax, and no requirement to disclose sale prices. Closing costs are mostly lender, title and escrow fees.
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