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Mortgage rates in Wyoming

Interest rates on a 30-year $300,000 conventional mortgage start at around 3.500%

If you have a credit score between 700 and 719 and can put 5% down, you’ll generally pay about 3.625% for a 30-year conventional loan with a fixed interest rate on a $350,000 home. But how much interest you pay for your Wyoming home will depend on several factors, including your credit score, loan amount and lender.

Rates were last checked on January 10 and are from the Consumer Financial Protection Bureau (CFPB) website.

Your credit score affects the rate you’ll get

People with higher credit scores generally get lower interest rates because lenders assume they’re less likely to stop paying a mortgage. Here are the most common interest rates in Wyoming by mortgage amount, according to the Consumer Financial Protection Bureau (CFPB).

Credit score $200,000 mortgage $300,000 mortgage $400,000 mortgage $500,000 mortgage
620-639 4.250% 4.250% 4.250% 4.250%
640-659 4.125% 4.125% 4.125% 4.125%
660-679 4.000% 4.000% 4.000% 4.000%
680-699 3.750% 3.750% 3.750% 3.750%
700-719 3.750% 3.750% 3.625% 3.625%
720-739 3.625% 3.625% 3.500% 3.500%
740-759 3.625% 3.500% 3.500% 3.500%
760-779 3.625% 3.500% 3.500% 3.500%
780-799 3.625% 3.500% 3.500% 3.500%
800+ 3.625% 3.500% 3.500% 3.500%

*Based on a 10% down payment for a 30-year fixed-rate conventional mortgage

Interest rates vary by lender

Interest rates are affected by the economy and the federal funds rate, or the rate that banks charge each other for overnight loans. But they’re also affected by individual lenders, which can have differing overhead costs, profit margins and credit score requirements.

Comparing lenders can help you find the best deal. Select See rates to provide the company with basic property and financial details for personalized rates.

Name Product Loan products offered State availability Min. credit score
Rocket Mortgage
(NMLS #3030)
Rocket Mortgage
Conventional, Jumbo, FHA, VA, Refinance
Available in all states
Streamline your mortgage from quote to final payment — all from your computer or phone.
(NMLS #1168)
Conventional, Jumbo, FHA, VA, USDA, Refinance
Not available in: NY
Great customer reviews and customized rate quotes in three minutes with no SSN needed.
Veterans United
(NMLS #1907)
Veterans United
Conventional, FHA, VA, USDA, Jumbo, Refinance
Available in all states
Veterans United stands out from other lenders for its focus on serving the military community.
(NMLS #330511)
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.

Compare up to 4 providers

Interest rates also vary by loan type

The type of loan you get can also affect how much you pay for your Wyoming home. 15-year mortgages generally offer lower interest rates than 30-year mortgages, and you’ll see different rates for conventional loans than government loans.

Loan type $200,000 mortgage $300,000 mortgage $400,000 mortgage $500,000 mortgage
15-year conventional 2.750% 2.750% 2.625% 2.625%
30-year conventional 3.750% 3.750% 3.625% 3.500%
15-year FHA 3.000% 2.875% Not elegible Not elegible
30-year FHA 3.500% 3.500% Not elegible Not elegible
15-year VA 3.375% 3.000% 3.000% 2.938%
30-year VA 3.750% 3.625% 3.500% 3.500%

*Based on a 10% down payment, fixed interest rate and 710 credit score

Research ahead of time to get the best rates

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.

Home values in Wyoming are going up

Homes in Wyoming are moving. According to Zillow, the typical home price in Wyoming increased by 5.8% in the 12 months prior to June 2021. While this doesn’t seem like much, some areas are seeing greater jumps, with 77.1% of Wyoming homes sold in 2021 going above list price.

The average home price in Wyoming currently sits at $276,278. But depending on where you buy, homes can be had for $150,000 or less. Forecasts from Zillow predict that home prices in the Cowboy State will rise anywhere from 1.7% to 13.9% by mid-2022.

5 fast facts about Wyoming’s housing market

If you’re looking to buy a home in Wyoming, here are five facts to consider:

  1. The average price of a typical home in Wyoming is only 7.58% less than the average US home price of $298,933.
  2. The 2019 US Census recorded the average monthly homeownership cost in Wyoming as $1,459 with a mortgage, which is just under the national average of $1,595.
  3. Closing costs in Wyoming are an average of 0.81%, according to ClosingCorp. For a $250,000 home, that’s $2,025.
  4. According to SmartAsset, Wyomingites pay an average of 0.57% in property taxes, which is the lowest rate in the US.
  5. Wyoming Community Development Authority (WCDA) offers a range of homebuyer programs, including down payment assistance, tax credits and more.

Bottom line

Mortgage rates in Wyoming vary by loan type, and factors like your credit score and lender affect what rate you get. But factors like your credit score and lender affect what rate you get. Compare mortgage lenders and programs to find one that best fits your homeownership goals.

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