Wyoming Mortgage Calculator (2026)
Calculate your monthly payment with Wyoming-specific property tax (0.61%) and average insurance ($1,330/yr).
Monthly payment
Payment breakdown
Loan summary
Amortization schedule (first 12 + every 12 months)
| Month | Principal | Interest | PMI/MIP | Balance |
|---|---|---|---|---|
| 1 | $275.17 | $1,958.25 | $139.88 | $335,425 |
| 2 | $276.78 | $1,956.64 | $139.88 | $335,148 |
| 3 | $278.39 | $1,955.03 | $139.88 | $334,870 |
| 4 | $280.01 | $1,953.41 | $139.88 | $334,590 |
| 5 | $281.65 | $1,951.77 | $139.88 | $334,308 |
| 6 | $283.29 | $1,950.13 | $139.88 | $334,025 |
| 7 | $284.94 | $1,948.48 | $139.88 | $333,740 |
| 8 | $286.61 | $1,946.82 | $139.88 | $333,453 |
| 9 | $288.28 | $1,945.14 | $139.88 | $333,165 |
| 10 | $289.96 | $1,943.46 | $139.88 | $332,875 |
| 11 | $291.65 | $1,941.77 | $139.88 | $332,583 |
| 12 | $293.35 | $1,940.07 | $139.88 | $332,290 |
| 24 | $314.56 | $1,918.86 | $139.88 | $328,633 |
| 36 | $337.30 | $1,896.12 | $139.88 | $324,712 |
| 48 | $361.68 | $1,871.74 | $139.88 | $320,508 |
| 60 | $387.83 | $1,845.59 | $139.88 | $316,000 |
| 72 | $415.86 | $1,817.56 | $139.88 | $311,166 |
| 84 | $445.93 | $1,787.50 | $139.88 | $305,982 |
| 96 | $478.16 | $1,755.26 | $139.88 | $300,423 |
| 108 | $512.73 | $1,720.69 | $139.88 | $294,463 |
| 120 | $549.79 | $1,683.63 | — | $288,072 |
| 132 | $589.54 | $1,643.88 | — | $281,219 |
| 144 | $632.15 | $1,601.27 | — | $273,871 |
| 156 | $677.85 | $1,555.57 | — | $265,991 |
| 168 | $726.86 | $1,506.57 | — | $257,541 |
| 180 | $779.40 | $1,454.02 | — | $248,481 |
| 192 | $835.74 | $1,397.68 | — | $238,766 |
| 204 | $896.16 | $1,337.26 | — | $228,349 |
| 216 | $960.94 | $1,272.48 | — | $217,178 |
| 228 | $1,030.41 | $1,203.01 | — | $205,200 |
| 240 | $1,104.90 | $1,128.52 | — | $192,356 |
| 252 | $1,184.77 | $1,048.65 | — | $178,584 |
| 264 | $1,270.42 | $963.00 | — | $163,816 |
| 276 | $1,362.26 | $871.17 | — | $147,980 |
| 288 | $1,460.73 | $772.69 | — | $131,000 |
| 300 | $1,566.33 | $667.09 | — | $112,792 |
| 312 | $1,679.56 | $553.86 | — | $93,268 |
| 324 | $1,800.97 | $432.45 | — | $72,333 |
| 336 | $1,931.17 | $302.25 | — | $49,884 |
| 348 | $2,070.77 | $162.65 | — | $25,812 |
| 360 | $2,220.47 | $12.95 | — | $0 |
What the payment actually costs
Expect roughly $2,440 a year in property tax on a $400,000 home here. Wyoming's effective rate of 0.61% ranks 42nd of 51, compared with about 1.10% nationally — $203 a month that never appears in a quoted mortgage payment.
Homeowners insurance runs about $1,330 a year in Wyoming, 33rd of 51 states and below the $1,552 national average. Together, tax and insurance add roughly $314 a month to the payment before you have paid a dollar of principal.
How this fits the rest of your tax bill
Wyoming charges no income tax, and property tax is where that revenue is recovered. At 0.61% the rate ranks 42nd of 51. For a renter the no-income-tax advantage is close to pure gain; for an owner of a $400,000 home it is offset by roughly $2,440 a year. Run both sides before assuming the state is cheap.
Housing costs compound with the rate. Wyoming runs about 7% below national-average costs, so the same 0.61% rate applies to a smaller assessed value than it would elsewhere. A percentage rate is only half the number that matters; the base it applies to is the other half.
Property tax rates are effective statewide averages; your county assessor sets the actual figure and it varies widely within a state. See our methodology.