Wyoming Mortgage Guide 2026
Everything a Wyoming buyer needs in one place: 2026 FHA limits for all 23 counties, the $832,750 conforming limit and Teton County’s higher limit, WCDA loans and down payment assistance, how Wyoming property taxes compare, and a closing cost breakdown built on the statewide recording fees.
Wyoming Loan Limits by County (2026)
Wyoming’s conforming loan limit is $832,750 in 22 of its 23 counties and $1,249,125 in Teton County. FHA sits at the national floor of $541,287 in 21 counties, including the Cheyenne and Casper areas, and is set higher in two.
| Area | Conforming Limit | FHA Limit | Notes |
|---|---|---|---|
| Teton County (Jackson area) | $1,249,125 | $1,249,125 | Highest limits in Wyoming |
| Uinta County (Evanston area) | $832,750 | $579,600 | Above the FHA floor |
| All other 21 counties | $832,750 | $541,287 | National FHA floor |
FHA limits come from HUD and conforming limits come from FHFA — they are set by different agencies. Verify any county at the HUD FHA Mortgage Limits lookup. Figures above are CY2026, retrieved September 2026.
Comparing Wyoming Loan Programs
Most Wyoming buyers choose between five routes. The credit scores below are practical lender thresholds rather than published program minimums, except where a program sets its own.
| Program | Min Down | Min Credit | Best For |
|---|---|---|---|
| FHA | 3.5% | 580 | Buyers with thinner credit or limited savings |
| VA | 0% | 580–620 (lender overlay) | Veterans, active duty, and eligible spouses |
| USDA | 0% | 640 (lender overlay) | Eligible rural Wyoming addresses within income limits |
| Conventional | 3%–20% | 620 | Stronger credit, or avoiding FHA’s upfront and annual premiums |
| WCDA | Varies by product; $1,500 borrower contribution with assistance | 620 (Advantage, Edge and assistance) | First-time buyers and current homeowners within WCDA limits |
HUD allows maximum FHA financing at a credit score of 580 or above and limits borrowers between 500 and 579 to 90% loan-to-value (HUD). VA states that it does not require a minimum credit score (VA), and USDA says its guaranteed program has no credit score requirement (USDA Rural Development). WCDA’s Advantage, Edge and down payment assistance products require a minimum credit score of 620 (WCDA).
Wyoming Community Development Authority (WCDA)
The Wyoming Community Development Authority is created by state law as a body corporate operating as a state instrumentality for the public benefit. Its home loans are made through participating lenders.
| Program | Who It Is For | Key Terms |
|---|---|---|
| First-Time Home Buyer | Buyers with no ownership interest in a primary residence in the last 3 years | Low fixed rate; 30 years; county purchase price and income limits |
| Spruce Up | Buyers meeting the First-Time Home Buyer requirements | One loan for the purchase and rehabilitation of the home |
| Advantage | First-time buyers and current homeowners | 30-year fixed; no purchase price limit; $140,140 income limit |
| Edge | First-time buyers and current homeowners | 30-year fixed; no purchase price limit; $140,140 income limit |
| Down payment assistance | Buyers using a WCDA first mortgage | Up to $15,000; 620 minimum credit; $1,500 borrower contribution |
| Mortgage Credit Certificate | First-time buyers within the limits | Federal tax credit based on mortgage interest paid |
First-Time Home Buyer purchase price limits are $566,354 in most counties, $606,442 in Uinta and $1,306,974 in Teton, per WCDA’s limits dated June 22, 2026. Check the WCDA purchase price and income limits before assuming you qualify.
Wyoming Property Taxes
Dividing the state median annual real estate tax bill of $1,767 by the state median owner-occupied home value of $309,700 gives an estimated effective rate of 0.57%. Sources: Census ACS 2020–2024 5-year table B25103 and table B25077.
That 0.57% is an estimated effective rate derived from two separate medians. It is not the median of individual households’ effective rates, and no single Wyoming household necessarily pays it. Your actual bill depends on your property’s assessed value and the local levies where it sits.
| Home Value | Est. Annual Tax | Monthly Escrow |
|---|---|---|
| $300,000 | $1,710 (Est.) | $143 |
| $350,000 | $1,995 (Est.) | $166 |
| $400,000 | $2,280 (Est.) | $190 |
| $500,000 | $2,850 (Est.) | $238 |
Treat the table above as a planning estimate built from the statewide 0.57% figure, and ask your lender for the actual parcel figure before you commit.
Wyoming Closing Costs
State law sets the county clerk’s recording fees. Everything else on the closing statement — lender, appraisal, title and settlement charges — is set by the provider.
| Fee | Amount | Set By |
|---|---|---|
| Recording any instrument, first page | $12 | County clerk (W.S. 18-3-402) |
| Each additional page | $3 | County clerk (W.S. 18-3-402) |
| Statement of consideration | Required with a deed; confidential | W.S. 34-1-142 |
| Lender, appraisal, title and settlement fees | Set by the provider | Compare Loan Estimates |
Sources: W.S. 18-3-402 and W.S. 34-1-142.
Wyoming Housing Markets
Where you buy in Wyoming changes your FHA limit, your WCDA limits and your USDA income limit. The table below is a qualitative orientation, not a price guide.
| Area | Market Notes |
|---|---|
| Teton County (Jackson area) | Wyoming’s highest FHA and conforming limits at $1,249,125, WCDA’s $1,306,974 purchase price limit, and USDA’s highest Wyoming limit at $153,550. |
| Uinta County (Evanston area) | FHA limit $579,600 and a $606,442 WCDA purchase price limit. |
| Laramie County (Cheyenne area) | FHA at the national floor. WCDA income limit $104,400 for 1–2 people, higher in targeted Census Tract 4.03. |
| Natrona County (Casper area) | FHA at the national floor. WCDA’s targeted Census Tract 2 carries a $692,211 purchase price limit. |
| Sublette, Lincoln and Campbell counties | FHA at the floor, with USDA income limits above the statewide base. |
