Wyoming Mortgage Rates Today — Compare WY Lenders
The average 30-year fixed mortgage rate in Wyoming is currently 6.55% APR. Wyoming has no state income tax. Cheyenne is the most affordable major market. Jackson Hole is one of the most expensive small markets in the US. Compare today’s rates from top Wyoming lenders across all major loan types below.
Wyoming Mortgage Rate Comparison Table
Rates below assume a 740+ credit score, 20% down payment, and a $380,000 loan on a single-family primary residence in Wyoming.
| Loan Type | Interest Rate | APR | Best For |
|---|---|---|---|
| 30-Year Fixed | 6.55% | 6.55% | Most Popular |
| 15-Year Fixed | 5.90% | 5.90% | Pay off faster, save interest |
| 5/1 ARM | 6.67% | 6.67% | Short-term owners |
| FHA 30-Year | 6.20% | 6.20% | Low down payment |
| VA 30-Year | 6.03% | 6.03% | Veterans & military |
| 30-Year Refinance | 6.67% | 6.67% | Existing homeowners |
Rates sourced from lender survey data and updated regularly. Actual rates vary by lender and borrower profile. See disclaimer.
Understanding Mortgage Rates in Wyoming
Wyoming offers no state income tax and a wide range of housing markets. Cheyenne provides affordable, stable housing near the Colorado border. Jackson Hole represents a completely different market — a world-class resort area where median home prices exceed $3 million.
Casper offers affordable oil-industry-anchored housing. The state’s vast open spaces, outdoor recreation, and no-income-tax status attract buyers seeking a different lifestyle. Wyoming’s small population means lender competition is more limited than larger states.
What Affects Your Wyoming Mortgage Rate?
Several key factors influence the rate a Wyoming lender will offer you: your credit score (740+ gets the best rates), your down payment (20%+ eliminates PMI), your loan type (VA and FHA often beat conventional), and broader market conditions driven by the Federal Reserve and Treasury yields. Always compare at least 3–5 lenders — the spread between best and worst rate can be 0.5–1.0%.