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Closing Costs in Wyoming (2026)

Buyers in Wyoming typically pay $9,000 to $22,500 in closing costs (2–5%) on a median-priced home of $450,000. Our itemized estimate: about $12,151 (2.7% of the price), plus a $90,000 down payment at 20% down.

Wyoming at a Glance

Median home price

$450,000

Estimated closing costs

$12,151

2.7% of price

Property tax rate

0.55%

≈ $2,475/year

2026 conforming loan limit

$832,750

High-cost counties up to $1,249,125

Cash to close

$102,151

20% down + closing costs

Monthly payment

$2,704

30-yr at 6.75%

What Makes Wyoming Different

Wyoming has no state transfer tax and inexpensive insurance. A handful of high-cost counties (Jackson Hole and similar) use the 2026 conforming ceiling; most of the state uses the baseline limit.

Local cost factors

Buyer-paid transfer tax

None typical

Seller-paid or no state transfer tax

Closing custom

Title / escrow

Closings usually run through a title or escrow company

Homeowners insurance

$1,950/yr

Typical premium scaled to the median-priced example

Example loan vs. limit

Conforming

$360,000 loan at 20% down

Itemized Closing Cost Estimate

Assumes a $450,000 purchase with 20% down ($360,000 loan) at 6.75% for 30 years, a 0.55% property tax rate, and $1,950/year insurance. Transfer tax includes only the share buyers in Wyoming customarily pay.

Line ItemCategoryEstimate
Loan Origination Fee (1% assumed)Lender fees$3,600
Credit ReportLender fees$50
Flood CertificationLender fees$20
Underwriting FeeLender fees$750
Processing FeeLender fees$500
AppraisalThird-party fees$550
Title InsuranceThird-party fees$1,800
Title SearchThird-party fees$300
Survey (if required)Third-party fees$400
Recording FeeGovernment fees$125
Prepaid Interest (15 days)Prepaids & escrow$999
Prepaid Homeowners Insurance (1 year)Prepaids & escrow$1,950
Escrow Prefund — Property Taxes (3 months)Prepaids & escrow$618
Escrow Prefund — Insurance (3 months)Prepaids & escrow$489
Total estimated closing costs$12,151

What You'd Pay Each Month

On a median-priced Wyoming home with 20% down, the full monthly payment is about $2,704: $2,335 in principal and interest, $206 in property taxes, and $163 in homeowners insurance. Taxes and insurance here add 16% on top of the loan payment itself.

Run Your Own Numbers

Closing Cost EstimatorHow Much House Can I Afford?True Monthly Mortgage CostDown Payment Strategy

Frequently Asked Questions

Buyers in Wyoming typically pay 2% to 5% of the purchase price in closing costs — roughly $9,000 to $22,500 on a median-priced home around $450,000. Our itemized estimate, including lender fees, title work, government fees, and prepaid taxes and insurance, comes to about $12,151 (2.7% of the price) with 20% down at 6.75%.

The effective property tax rate in Wyoming is approximately 0.55% of home value per year. On a median-priced home of $450,000, that works out to about $2,475 per year, or $206 per month. Several months of taxes are usually collected up front at closing to fund your escrow account.

No statewide real estate transfer tax. That keeps government fees at closing lower in Wyoming than in most states.

The 2026 conforming loan limit in most of Wyoming is $832,750 for a one-unit home. Some high-cost counties go as high as $1,249,125. On a median-priced $450,000 home with 20% down, the loan is $360,000 — within the conforming limit in most counties. FHA limits also vary by county (2026 floor about $541,288).

With 20% down on a $450,000 home, plan for about $102,151 in total: $90,000 for the down payment plus roughly $12,151 in closing costs and prepaid items. A smaller down payment reduces the cash needed but adds PMI to your monthly payment.

On a median-priced $450,000 home with 20% down and a 30-year loan at 6.75%, the total monthly payment is about $2,704 — $2,335 in principal and interest, $206 in property taxes, and $163 in homeowners insurance.

Nearby states

AlaskaArizonaCaliforniaColoradoHawaiiIdahoMontanaNevadaNew MexicoOregonUtahWashington
Figures on this page are educational estimates, last reviewed October 18, 2026. Median prices (Redfin via Bankrate), effective property tax rates (Tax Foundation), insurance (Bankrate 2026 averages scaled to the median home), and 2026 conforming loan limits (FHFA) are approximations that vary by county, property, lender, and transaction. They are not a Loan Estimate and not financial advice — your lender's official Loan Estimate is the authoritative document for your closing costs. See our methodology.