Wyoming Mortgage and Refinance Rates for June 2026

Current mortgage rates in Wyoming

As of Tuesday, June 09, 2026, current mortgage interest rates in Wyoming are 6.55% for a 30-year fixed mortgage and 5.85% for a 15-year fixed mortgage.

Mortgage rates started 2026 above 6.20%. Despite a brief drop below 6.20% in mid-January through early March, rates have ticked back up closer to 6.50%. Although mortgage rates are unpredictable and often fluctuate, experts predict they’ll remain above 6% for most of 2026.

Refinance rates in Wyoming

Mortgage refinance rates are holding steady and in line with purchase rates, which means that there isn’t much incentive to refinance unless your rate is well above 7%.

If you've owned your home in Wyoming for a long time though, you may have a good amount of equity now. With a cash-out mortgage refinance, you could take advantage of this asset to help further your financial goals.

Wyoming mortgage rates by loan type

First-time homebuyer programs in Wyoming 

The Wyoming Community Development Authority (WCDA) offers mortgage programs to assist first-time homebuyers, along with down payment assistance and a mortgage credit certificate, all of which can help make homeownership more affordable for you. Here’s an overview of some options:

• WCDA Standard First-Time Homebuyer loan: Through its lender partners, the WCDA offers a 30-year, fixed mortgage with a low interest rate to first-time buyers. To qualify, your income can’t exceed certain limits, and you can’t buy a home over a specific price, depending on the size of your household and where you end up buying.
• Spruce Up loan: If you’re a first-time homebuyer and looking at a fixer-upper, consider a Spruce Up loan, which finances the purchase of the home and any renovations with one mortgage. This means you’ll have fewer closing costs than obtaining two separate loans.
• Down payment assistance: If you need help making a down payment, the WCDA offers two assistance options worth exploring: a zero-interest deferred loan up to $15,000; or a 10-year fixed-rate, low-payment loan, also up to $15,000. Both loans require a minimum credit score of 620 and a minimum borrower contribution of $1,500.
• Mortgage credit certificate (MCC): A mortgage credit certificate (MCC) allows you to claim a federal tax credit for the life of the loan. There may be fees involved, but if you plan to stay in the home for the long haul, they might be well worth the cost in tax savings.

How to find the best mortgage rate in Wyoming for you

When shopping for a mortgage, be sure to compare at least three different lenders — research shows this exercise can save you thousands of dollars over the life of a loan. You might also want to read Wyoming lender reviews to get an idea of the customer experience with lenders in the state.

Additional Wyoming mortgage resources

• Wyoming loan limits by county: See the FHA and conforming loan limits for local cities and counties.
• Wyoming mortgage lenders hub: Learn which lenders do business in Wyoming.
• Wyoming homeowners insurance: Check out these homeowners insurance companies to choose the right policy for you.