Home and mortgage

Wyoming Mortgage Calculator

Your monthly mortgage payment in Wyoming, with Wyoming's effective property tax rate (0.57%) built in, at this week's average rate. The calculator starts at the state's median home value, $309,700.

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Home priceDown paymentInterest rateStarts at this week's national averageLoan termProperty taxA year, as a share of the price; about 1% is typical, varying widely by countyHome insurance a yearMortgage insurance (PMI)A year, on the loan, only below 20% downHOA dues a month

Monthly payment$1,994.21The answer

Monthly payment

$1,994.21

A $310,000 home with 20% down ($248,000 borrowed) at 7.18% over 30 years costs about $1,994 a month: $1,680 principal and interest plus $314 of tax, insurance and dues.

Principal and interest: $1,680.04
Tax, insurance, PMI and HOA: $314.17
Total interest over the loan: $356,814

Amortization by year: $248,000 at 7.18%

Year	Interest	Principal	Balance
1	$17,727.37	$2,433.09	$245,566.91
2	$17,546.80	$2,613.66	$242,953.25
3	$17,352.84	$2,807.62	$240,145.63
4	$17,144.49	$3,015.97	$237,129.66
5	$16,920.67	$3,239.79	$233,889.87
6	$16,680.24	$3,480.22	$230,409.65
7	$16,421.98	$3,738.48	$226,671.17
8	$16,144.54	$4,015.92	$222,655.25
9	$15,846.52	$4,313.94	$218,341.31
10	$15,526.38	$4,634.08	$213,707.22
11	$15,182.48	$4,977.98	$208,729.24
12	$14,813.06	$5,347.40	$203,381.84
13	$14,416.23	$5,744.23	$197,637.61
14	$13,989.94	$6,170.52	$191,467.09
15	$13,532.03	$6,628.44	$184,838.65
16	$13,040.13	$7,120.34	$177,718.32
17	$12,511.72	$7,648.74	$170,069.58
18	$11,944.10	$8,216.36	$161,853.22
19	$11,334.36	$8,826.10	$153,027.12
20	$10,679.37	$9,481.09	$143,546.04
21	$9,975.78	$10,184.68	$133,361.35
22	$9,219.96	$10,940.50	$122,420.85
23	$8,408.06	$11,752.40	$110,668.46
24	$7,535.91	$12,624.55	$98,043.91
25	$6,599.04	$13,561.42	$84,482.49
26	$5,592.64	$14,567.83	$69,914.66
27	$4,511.55	$15,648.91	$54,265.75
28	$3,350.23	$16,810.23	$37,455.52
29	$2,102.74	$18,057.72	$19,397.80
30	$762.66	$19,397.80	$0.00

Download the schedule (CSV)

This week's mortgage rates

Monthly payment in Wyoming by home price (20% down, 7%, 30 years, 0.57% tax, $2,000 insurance)

Home price	Principal and interest	Property tax	Total
$150,000	$798	$71	$1,036
$230,000	$1,224	$109	$1,500
$310,000	$1,650	$148	$1,964
$460,000	$2,448	$219	$2,834
$620,000	$3,300	$295	$3,762

How this calculator works

As the mortgage calculator, with Wyoming's effective property tax rate from the Census Bureau's American Community Survey 2020–2024 5-year estimates: median taxes $1,767 ÷ median value $309,700.

Questions people ask

What is the mortgage payment on a median home in Wyoming?

On $309,700 with 20% down at 7% over 30 years: about $1,648 principal and interest and $147 of property tax, $1,962 a month with $2,000 a year of insurance.

What is the median home value in Wyoming?

$309,700 for owner-occupied homes (Census American Community Survey 2020–2024 5-year estimates), against $332,700 nationally.

How much is property tax in Wyoming?

The effective rate is 0.57%, a median $1,767 a year. See Wyoming's property tax page for every county we cover.

How much income do I need for a median Wyoming home?

Under the 28% guideline, about $84,102 a year for the payment above; Wyoming's median household income is $76,176.

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Sources

Updated Sep 30, 2026 by the RateHerald team. The maths is tested against worked examples; report a problem.