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Wyoming Mortgage Calculator

The median Wyoming homeowner pays about $1,659 a year in property tax — roughly $138 a month on top of principal, interest and insurance — against a median home value near $285,100. That is an effective rate of about 0.58%, the 37th highest of the 50 states, where the 50-state average is near 0.99%.

Written and maintained by Chetan Mane · Methodology and sources · Data last reviewed September 2026

How to use this calculator

  • - Select Wyoming in the state field to apply the 0.58% average property tax rate.
  • - Adjust the price toward the Wyoming median of $285,100 to see what a typical local purchase costs each month.
  • - Remember the estimate uses the statewide average — Teton County and the rest of the state can differ noticeably.

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Principal and interest, property tax, insurance, mortgage insurance and HOA — itemised.

What actually sets Wyoming apart

Wyoming levies no individual income tax and funds much of its government from mineral extraction, which keeps residential property tax comparatively light. It is also the state where the rules have moved most in recent years, so a figure you read a year ago may no longer be current.

Property taxes in Wyoming at a glance

  • Average effective tax rate: 0.58% of home value per year
  • Median home value: $285,100
  • Estimated tax on a median-value home: $1,659 per year (about $138 per month)
  • Rank by tax rate: 37th of 50, highest first
  • Rank by amount actually paid: 40th of 50, highest first
  • Where these figures come from: U.S. Census Bureau, American Community Survey 5-year estimates, for the Wyoming statewide averages shown above — ACS 2019-2023 5-year estimates, last reviewed September 2026.

Rate and bill agree in Wyoming

Wyoming sits 37th of the fifty by tax rate and 40th by the amount a median-value owner actually pays. That agreement is less common than it sounds: 19 of the 50 states move ten places or more between the two rankings, because home values vary far more widely than rates do. In Wyoming the 0.58% headline is a fair summary rather than a figure that needs correcting.

How Wyoming works out what you owe

Residential property is assessed at a statutory percentage of fair market value, well below full value, and mills are applied to that assessed figure.

Recent legislation has added both a limit on how fast residential assessed value can rise and an exemption for owner-occupied primary residences. Both have been amended repeatedly in the last few sessions, so confirm the figure in force for the current tax year with the county assessor.

Exemptions Wyoming homeowners should claim

Each of these reduces a Wyoming bill every year you hold the property, and almost none are granted without a claim:

  • Owner-occupied primary residence exemption: Exempts a share of the assessed value of a primary residence. Eligibility generally requires occupying the home for a minimum part of the year, and the amounts have changed between sessions.
  • Property tax refund and veterans exemption: An income-tested refund programme administered by the state, plus a standing exemption of assessed value for qualifying veterans.

Where you buy inside Wyoming changes the bill

A statewide average hides its extremes. Where they show up in Wyoming:

  • Teton County: Jackson, with by far the highest values in the state and a very large share of second homes that do not qualify for the primary residence exemption
  • Laramie County: Cheyenne, the largest population centre and the most active resale market
  • Natrona County: Casper, where values track the energy sector more closely than the wider housing market

Wyoming and its neighbours

The same $285,100 — the Wyoming median — taxed at each neighbouring state's average rate:

  • Montana at 0.75%: about $2,138 a year, roughly $479 more than the $1,659 a Wyoming owner would pay on the same value.
  • South Dakota at 1.09%: about $3,108 a year, roughly $1,449 more than the $1,659 a Wyoming owner would pay on the same value.
  • Nebraska at 1.5%: about $4,277 a year, roughly $2,618 more than the $1,659 a Wyoming owner would pay on the same value.
  • Colorado at 0.49%: about $1,397 a year, roughly $262 less than the $1,659 a Wyoming owner would pay on the same value.
  • Utah at 0.53%: about $1,511 a year, roughly $148 less than the $1,659 a Wyoming owner would pay on the same value.
  • Idaho at 0.53%: about $1,511 a year, roughly $148 less than the $1,659 a Wyoming owner would pay on the same value.

Appealing a Wyoming assessment

If the assessed value on your Wyoming home overstates what it is worth, the route is an appeal to the county Board of Equalization, then the State Board of Equalization. The window is within 30 days of the assessment schedule mailed in the spring, and it is strict — missing it means waiting a full cycle.

Frequently asked questions

When are Wyoming property taxes due, and when must exemption claims be filed?

Bills are issued in September. The first half is due 10 November and the second half 10 May. Applications go to the county assessor early in the year, and the refund programme is claimed with the state, generally by early summer.

Does this calculator use my exact Wyoming county tax rate?

No — it applies the Wyoming statewide average of 0.58%. Rates are set locally, and the spread inside Wyoming is wide enough to matter: on a $285,100 home, $1,156 a year separates Wyoming from an averagely taxed state before any county variation is counted. Check the parcel's own rate with its Wyoming county before relying on this figure.

Reference sources

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How this estimate is built

Principal and interest come from the standard amortization formula, worked through in full on the formula reference page. Property tax, insurance, PMI and loan-program figures layer on top from published assumptions — each one sourced, dated and listed on the methodology page. Every result here is an estimate built from public data, not a quote: confirm the specifics with a lender before relying on it.

For developers

This calculation is also available as a REST API and through an MCP server, both running the same engine as this page — so the figures match by construction rather than by convention. No key required.