Wyoming mortgage calculator

30-year fixed mortgage calculator with Wyoming-specific defaults. Median home price $360,000 · property tax effective rate 0.58%. All inputs update live; share your scenario as a URL.

Median home price reconciled 2026-04-22. Source: Zillow Home Value Index, state-level.

Your loan

Home price

$100k$2M

Down payment$72,000

Interest rate30-yr avg: 6.875%

Loan term

Taxes & insurance

(optional, but realistic)

State

Wyoming

State pre-set for this page. Switch state

Property tax rate

~$174 per month

Homeowner insurance

HOA dues (if any)

PMI required. With 20% down (LTV 80.0%), private mortgage insurance is added at 0.50% of the loan annually — that's $120/month. PMI auto-removes at month 28 (78% LTV, per the Homeowners Protection Act).

Extra payments

(optional — accelerate payoff)

Biweekly paymentsPay half the monthly amount every two weeks (26 half-payments per year ≈ 13 monthly equivalents). Typically saves 4-7 years and tens of thousands in interest on a 30-year loan.

Extra each month

Applied as additional principal every month.

One-time lump sum

Single payment toward principal at the specified month (e.g. tax refund or bonus).

Estimated monthly payment

For a $360,000 home, 20% down, 6.875% APR, 30-year fixed in Wyoming.

Where your payment goes

Principal & interest$1,892

Property tax$174

Homeowner insurance$145

PMI$120

Loan amount

$288,000

Total interest

$393,104

Total paid

$681,104

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How your balance falls over time

The crossover point — where more of each payment goes to principal than interest — is at year 20.

BalanceInterest paidPrincipal paid

Amortization schedule

Year-by-year breakdown of every payment.

Period	Payment	Principal	Interest	Total interest paid	Balance
Y01Year 1	$22,703	$2,997	$19,707	$19,707	$285,003
Y02Year 2	$22,703	$3,209	$19,494	$39,201	$281,794
Y03Year 3	$22,703	$3,437	$19,266	$58,467	$278,357
Y04Year 4	$22,703	$3,681	$19,022	$77,490	$274,676
Y05Year 5	$22,703	$3,942	$18,761	$96,251	$270,734
Y06Year 6	$22,703	$4,222	$18,482	$114,733	$266,512
Y07Year 7	$22,703	$4,521	$18,182	$132,914	$261,990
Y08Year 8	$22,703	$4,842	$17,861	$150,776	$257,148
Y09Year 9	$22,703	$5,186	$17,518	$168,293	$251,962
Y10Year 10	$22,703	$5,554	$17,150	$185,443	$246,408
Y11Year 11	$22,703	$5,948	$16,755	$202,198	$240,460
Y12Year 12	$22,703	$6,370	$16,333	$218,532	$234,090
Y13Year 13	$22,703	$6,822	$15,881	$234,413	$227,268
Y14Year 14	$22,703	$7,306	$15,397	$249,810	$219,962
Y15Year 15	$22,703	$7,825	$14,879	$264,689	$212,137
Y16Year 16	$22,703	$8,380	$14,324	$279,013	$203,757
Y17Year 17	$22,703	$8,974	$13,729	$292,742	$194,783
Y18Year 18	$22,703	$9,611	$13,092	$305,834	$185,172
Y19Year 19	$22,703	$10,293	$12,410	$318,244	$174,879
Y20Year 20	$22,703	$11,024	$11,680	$329,924	$163,855
Y21Year 21	$22,703	$11,806	$10,898	$340,822	$152,049
Y22Year 22	$22,703	$12,644	$10,060	$350,882	$139,405
Y23Year 23	$22,703	$13,541	$9,163	$360,044	$125,865
Y24Year 24	$22,703	$14,502	$8,202	$368,246	$111,363
Y25Year 25	$22,703	$15,531	$7,173	$375,419	$95,833
Y26Year 26	$22,703	$16,633	$6,071	$381,490	$79,200
Y27Year 27	$22,703	$17,813	$4,891	$386,381	$61,387
Y28Year 28	$22,703	$19,077	$3,627	$390,007	$42,311
Y29Year 29	$22,703	$20,430	$2,273	$392,280	$21,880
Y30Year 30	$22,703	$21,880	$823	$393,104	$0

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Wyoming — related

Wyoming income tax

Top marginal — · No income tax

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Compare scenarios

Up to three mortgage scenarios side-by-side with a differential row.

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National 30-year fixed

Same calculator with cross-state defaults; manually pick any state.

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Last updated 2026-05-13