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Mortgage rates in Wyoming

They typically hover around the national average.


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Mortgage rates during the coronavirus

As mortgage rates fall to record lows in the wake of COVID-19, our partners are seeing an increase in demand for loans and refinancing. As they work through this influx of applications, you may see rates that are higher than expected — or no rates at all. We recommend comparing offers from multiple lenders to ensure you're getting the best deal possible.

Compare mortgage lenders in Wyoming

Interest rates in Wyoming average 4.438% and are expected to stay below 4% in the upcoming year. But since they’ve been known to jump above and below the national average from year to year, keep a close eye on them if you’re gearing up to purchase a home.

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Name Product Loan products offered State availability Min. credit score
Conventional, Jumbo, FHA, Refinance
Not available in: HI, MA, MN, NV, NH, VT, VA
Online preapproval in minutes and no origination fees with this direct lender.
Axos Bank
Conventional, Jumbo, FHA, VA, Home Equity/HELOC, Refinance
Available in all states
Purchase, refinance, and home equity options available with lender fees as low as $0 (restrictions apply).
Conventional, Jumbo, FHA, VA, Home Equity, Refinance
Available in all states
Access a wide range of mortgage and home equity options in person or online with this direct lender.
Conventional, Jumbo, FHA, VA, USDA, Home Equity, HELOC, Reverse, Refinance
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How much do Wyoming rates vary?

Wyoming mortgage rates spanned from 4.289% to 4.687% for 30-year loans, and from 3.905% to 4.397% for 15-year terms in 2018. A few criteria, such as loan type, can impact your interest rate. For example, government-insured loans generally have a lower interest rate than conventional loans, but may also come with more rigid borrower and property rules.

2018 average rates in Wyoming by loan type

Loan type15-year average rate30-year average rate

Conventional 4.397% 4.687%
FHA 4.057% 4.417%
VA 3.905% 4.359%
USDA Not available 4.289%

Based on data from

To illustrate, imagine you had a $185,000 30-year conventional loan with the 2018 average mortgage rate of 4.687%. Your monthly mortgage might be around $960, excluding taxes and fees. But if you opted for a 15-year conventional loan with the 2018 average mortgage rate of 4.397%, your monthly bill might jump to $1,410.

The shorter loan term and lower interest rate could translate to an overall savings of approximately $91,900 over the course of the loan.

Average mortgage rates in Wyoming should hold steady in the mid to upper 3% range in the coming year.

Interest rates in Wyoming historically hopscotch around the national average. In the past decade, four years were below the rest of the country, while six years performed higher. For example, in 2016, the average mortgage rate was 0.04% lower than the national average, while rates were 0.09% and 0.07% higher in 2017 and 2018, respectively.

Housing agencies nationwide predict 30-year rates to range from 3.55% to 3.90% in 2020.

Compare mortgage rates throughout Wyoming

Average mortgage rates and median loan amounts vary by region in the Equality State. Weston County had the highest average interest rate, while Teton County had the highest median loan amount in 2018.

We sifted through data from the Home Mortgage Disclosure Act to calculate what you might pay
on the average 30-year fixed-rate mortgage in various counties in Wyoming, excluding taxes and fees.

CountyAverage mortgage rateMedian loan amountEstimated monthly cost

Albany County 4.613% $215,000 $1,100
Big Horn County 4.592% $165,000 $850
Campbell County 4.387% $205,000 $1,020
Carbon County 4.584% $175,000 $900
Converse County 4.545% $185,000 $940
Crook County 4.507% $185,000 $940
Fremont County 4.557% $185,000 $940
Goshen County 4.600% $145,000 $740
Hot Springs County 4.588% $165,000 $840
Johnson County 4.463% $195,000 $980
Laramie County 4.482% $235,000 $1,190
Lincoln County 4.668% $235,000 $1,210
Natrona County 4.465% $205,000 $1,030
Niobrara County 4.524% $165,000 $840
Park County 4.509% $205,000 $1,040
Platte County 4.503% $165,000 $840
Sheridan County 4.410% $225,000 $1,130
Sublette County 4.696% $215,000 $1,110
Sweetwater County 4.647% $215,000 $1,110
Teton County 4.391% $570,000 $2,850
Uinta County 4.789% $175,000 $920
Washakie County 4.560% $145,000 $740
Weston County 4.803% $145,000 $760

Based on data from

How to get the best mortgage rate in Wyoming

A few tips to help you get the most competitive rate:

  1. Learn about different loan programs. Lenders offer a variety of loan types, each with their own interest rates. See what loan programs you may qualify for to compare rates.
  2. Build up your credit profile. Pay down debts and raise your credit score to help you qualify for the best rates.
  3. Account for closing costs. Closing costs in Wyoming generally range between 1.25% and 1.87% of the purchase price. Weigh these charges against your interest rate to see the total cost of your mortgage.

Historical mortgage interest rates in Wyoming

Bottom line

Wyoming mortgage rates tend to dance around the national average. As average mortgage rates are forecasted to hold below the 4% level in 2020, mortgage rates in Wyoming will likely do the same. Shop around to compare loan types and lenders to find the right loan for you and your unique situation.

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