The calculator below is pre-filled with Laramie County's own property tax rate and insurance average (expand "More options" to see or edit them) — not just Wyoming's statewide figures.

Laramie County at a glance

Effective property tax rate: 0.58% of home value / year
Median home price: $395,900
Homeowners insurance (avg/year): $2,673
Conforming loan limit (1-unit, 2026): $832,750

County data last updated 2026-08-28. FIPS 56021. Full source list on /methodology.

Laramie County, WY mortgage payment calculator

All-in cost first, always — pre-filled with Laramie County tax and insurance figures. Estimate only, not a loan quote or pre-approval.

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Mortgage points calculator

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Related reading

Closing Costs in Wyoming: What You'll Actually Pay

Wyoming buyer closing costs average just 0.76% of the purchase price, with no transfer tax and no mortgage tax. Here's what a $378,814 Wyoming home really costs to close.

What Is PMI, and How Do You Get Rid of It?

Private mortgage insurance explained in plain English — what it costs, why it exists, the exact federal rules for cancelling it, and how to work out the month your PMI is scheduled to end.

Guides & templates

Buying a Home With Someone Else

The operational guide to buying property with a partner, friend, sibling, or parent — credit and DTI mechanics, title vesting, a clause-by-clause co-ownership agreement, and how the exit actually works.

The First-Time Buyer's Playbook: 12 Months to Closing Day

A month-by-month plan for the year before you buy: what to do in each phase, what never to touch, how to document every dollar, and how to survive closing day.

Wyoming at a glance

Median home price: $378,814
Typical closing costs: 0.8%–2% of price
Transfer tax: None
Closing custom: attorney
Homestead exemption: Wyoming's Homeowner Property Tax Exemption ('the 25% exemption,' enacted by SF 69 of 2025) exempts 25% of the first $1,000,000 of fair market value on an owner-occupied single-family home (must own/occupy 8+ months/year; apply with the county assessor by roughly Feb 1 each year); residential assessed-value growth is also capped at 4%/year statewide. A separate Long-Term Homeowner Exemption gives owners 65+ who have paid Wyoming property tax for 25+ years a 50% reduction on their primary residence's value (up to 35 acres) — it is an either/or alternative to the 25% exemption, not both. A Veterans Exemption (W.S. 39-13-105) separately exempts $6,000 of assessed value (raised from $3,000 effective 2025) for qualifying wartime/campaign-medal veterans, disabled veterans, and unremarried surviving spouses, applicable to a home or vehicle registration. A lower-income Property Tax Refund Program is also available (income-based, roughly under 145% of county/state median, apply with the county treasurer by early June).

First-time buyer / down payment assistance programs

WCDA Standard First-Time Homebuyer Program
Wyoming Community Development Authority's primary 30-year fixed-rate, low-interest first mortgage for first-time homebuyers statewide (FHA, VA, and RD financing accepted), pairable with WCDA's Home$tretch down payment assistance loan. Home must sit on 10 acres or less and be a single-family residence (no rental-income option).
WCDA Home$tretch Down Payment Assistance
Second mortgage down payment assistance loan, usable with WCDA's First-Time Homebuyer, Spruce Up, or Edge first-mortgage products: 0% interest rate (0.080% APR based on an average $5,500 loan amount), no monthly payment, due upon sale of the home, refinance, or 30-year maturity. Maximum loan amount $15,000 across all WCDA DPA products.