Cost of Ownership · Wyoming
The true cost of owning a home in Wyoming
For a median $309,700 home in Wyoming, here is the full monthly cost — not just the mortgage. Built from public data: the state's median home value and effective property-tax rate, its average homeowners premium, and the current 30-year rate. This is a representative example, not a quote.
Lender-approved payment
$2,173/mo
PITI + PMI
True monthly cost
$2,431/mo
everything, incl. upkeep
The gap
+$258/mo
what approval leaves out
Effective property-tax rate
0.57%
Avg. homeowners premium
$1,596/yr
NFIP flood claims on record
561
Closing costs in Wyoming
Median closing costs and lender origination charges on real home-purchase loans in Wyoming, from public CFPB HMDA data. Cells with fewer than 25 loans aren't shown.
Median total closing costs
$7,376
Typically $4,593–$10,480
Median origination charges
$3,589
Typically $2,380–$5,152
| Loan size | p25 | Median | p75 | Loans |
|---|---|---|---|---|
| All | $4,593 | $7,376 | $10,480 | 5,242 |
| All | $4,521 | $6,911 | $10,090 | 4,742 |
| < $250k | $3,921 | $5,538 | $7,975 | 1,453 |
| < $250k | $3,776 | $5,379 | $7,807 | 1,808 |
| $250k–$500k | $5,346 | $8,214 | $11,440 | 3,027 |
| $250k–$500k | $5,423 | $7,889 | $11,366 | 2,467 |
| $500k–$750k | $5,390 | $8,890 | $12,537 | 347 |
| $500k–$750k | $4,366 | $8,240 | $12,088 | 562 |
| > $750k | $6,349 | $9,631 | $15,996 | 200 |
| > $750k | $5,423 | $9,952 | $18,485 | 120 |
Compare your own Loan Estimate with the Loan Estimate Decoder, or see every state in the Fee & Rate Index.
Common questions about buying a home in Wyoming
- What are the median closing costs in Wyoming?
- Median total closing costs — lender and third-party charges — on a home-purchase loan in Wyoming are about $7,376, from public CFPB HMDA data. Cells with fewer than 25 loans are suppressed.
- What is the effective property-tax rate in Wyoming?
- The effective property-tax rate in Wyoming is about 0.57%, from the Census American Community Survey (median real estate taxes divided by median home value).
- What does a median home cost to own each month in Wyoming?
- A median $309,700 home in Wyoming costs about $2,431 a month to own — principal, interest, property tax, insurance, PMI, and a maintenance reserve — versus a lender-approved payment of about $2,173. Every figure is from public data.
These figures use Wyoming's median home value and a 10% down payment as a representative example. Your price, rate, and county rate will differ — run your own numbers in the True Cost tool, see how Wyoming ranks on property tax and insurance, or browse every state.