Wyoming House Affordability Calculator
Estimate what you can afford in Wyoming using state-specific property taxes, debt-to-income limits, and financing assumptions.
As of 2026 · Wyoming state data: Wyoming state
Affordability examples by income (Wyoming)
| Income | Max home price | Monthly housing | Down payment |
|---|---|---|---|
| $60,000 | $188,899.22 | $1,100 | $37,779.84 |
| $80,000 | $291,935.16 | $1,700 | $58,387.03 |
| $100,000 | $394,971.10 | $2,300 | $78,994.22 |
| $120,000 | $480,834.38 | $2,800 | $96,166.88 |
| $150,000 | $601,042.98 | $3,500 | $120,208.60 |
Affordability inputs
Affordability result summary
Based on your income of $100,000 in Wyoming, you can afford a home up to $394,971.10 with a monthly housing payment of $2,300.
Max home price
$394,971.10
Max loan amount
$315,976.88
Down payment
$78,994.22
Adjusted mortgage rate
6.50%
Property tax rate
0.57%
Estimated take-home (monthly)
$6,598.33
Monthly payment breakdown
Principal + Interest
$1,997.19
Property tax
$187.61
Insurance
$115.20
HOA
$0
Total housing
$2,300
Comfortable vs Stretch vs Maximum
| Range | Monthly budget | Home price | Down payment needed |
|---|---|---|---|
| Comfortable | $1,840 | $315,976.88 | $63,195.38 |
| Stretch | $2,070 | $355,473.99 | $71,094.80 |
| Maximum | $2,300 | $394,971.10 | $78,994.22 |
AI explains your result
FinCalc AI
State tax impact comparison
In Texas vs Wyoming, the same inputs change max affordability by -$50,739.30, with monthly property tax changing by $271.36.
Texas vs California affordability gap with these inputs: -$42,981.57.
After-tax affordability check
Housing consumes 34.9% of estimated take-home pay, leaving $3,598.33/month after housing and existing debts.
State median home price benchmark: $410,000. Your max is -3.7% vs median.
Buying a home in Wyoming
Wyoming takes no state income tax out of the paycheck that services a mortgage, so more of a given gross salary is genuinely available for housing than in a high-tax state — a difference lenders' gross-income ratios do not capture but monthly budgets feel. The trade-off arrives through the property side: Wyoming's effective property tax rate is about 0.57% of assessed value, billed for as long as you own the home.
A buyer earning $100,000 with $600 monthly recurring debt, 20% down, and a 6.5% 30-year fixed mortgage can typically afford a home up to about $400,695.32 in Wyoming, with an estimated monthly housing cost around $2,333.33. The 2026 median single-family home price in Wyoming is around $410,000.
The 0.57% property tax used here is a statewide effective average — actual bills are set at the county and city level and can differ substantially within Wyoming. Verify with Wyoming state (https://wyomingtaxpayer.org) and the county assessor before setting a price ceiling.
Wyoming home affordability — FAQ
How much house can I afford on $60K in Wyoming?
On a $60,000 annual income in Wyoming (single filer, 60% DTI from debt, 20% down, 30-year fixed at 6.5%, good credit, 2026), estimated max home price is around $240,417.19 with a monthly housing payment near $1,400. That breaks down to about $1,215.68 principal & interest, $114.20 property tax, and $70.12 insurance per month.
How much house can I afford on $100K in Wyoming?
On a $100,000 annual income in Wyoming (single filer, 60% DTI from debt, 20% down, 30-year fixed at 6.5%, good credit, 2026), estimated max home price is around $400,695.32 with a monthly housing payment near $2,333.33. That breaks down to about $2,026.13 principal & interest, $190.33 property tax, and $116.87 insurance per month.
How much house can I afford on $150K in Wyoming?
On a $150,000 annual income in Wyoming (single filer, 60% DTI from debt, 20% down, 30-year fixed at 6.5%, good credit, 2026), estimated max home price is around $601,042.98 with a monthly housing payment near $3,500. That breaks down to about $3,039.20 principal & interest, $285.50 property tax, and $175.30 insurance per month.
What is the property tax rate in Wyoming?
Wyoming's effective property tax rate is approximately 0.57% of assessed home value annually. That is among the lowest in the country — only Hawaii (~0.28%) and Alabama (~0.39%) are lower. On a $410,000 home, expect roughly $2,337 per year in property tax.
What is the median home price in Wyoming?
The 2026 median single-family home price in Wyoming is around $410,000. With 20% down that means a down payment near $82,000 and a financed amount of about $328,000. Prices vary widely by metro — coastal and urban areas typically exceed the state median by 30%–60%.
Is Wyoming good for first-time homebuyers?
Wyoming can be attractive for first-time buyers: no state income tax leaves more cash for down payment savings and monthly mortgage payments. Property tax at 0.57% is a low recurring cost. Wyoming first-time buyers may qualify for state-administered down-payment-assistance programs through the state housing finance agency.
What's the 28/36 rule and how does it apply in Wyoming?
Lenders typically cap front-end DTI (housing payment / gross monthly income) at 28% and back-end DTI (housing + all debt / gross monthly income) at 36%. In high-property-tax states like Wyoming (~0.57% property tax), the front-end ratio binds sooner because property tax and insurance can push monthly housing 25%–35% above pure principal & interest. Use the comfortable, stretch, and maximum ranges above to gauge how aggressive your budget is.
Can I afford more house in Wyoming or Colorado?
On the same $100,000 income, 20% down, 6.5% rate, good credit profile, the estimated max home price is $400,695.32 in Wyoming vs $405,335.78 in Colorado. Colorado allows about $4,640.46 more purchasing power — driven mainly by differences in state income tax (affecting take-home) and property tax rates.
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