Mortgage Rates in Clearmont, Wyoming — March 2026
Updated March 2026 | Based on Clearmont market data and regional lending conditions
Clearmont is a growing city in Wyoming with a population of 139. The current 30-year fixed mortgage rate in Clearmont is 6.72%, which is 0.07% above the national average. With a median home price of $220,000 and a 20% down payment of $44,000, homebuyers can expect a monthly principal and interest payment of approximately $1,138.
Current Mortgage Rates in Clearmont, WY
Below are the current average mortgage rates available in the Clearmont area as of March 2026. Rates vary by lender, credit score, and loan-to-value ratio. Use our free calculator above to see your personalized estimate.
| Loan Type | Rate | National Avg | Difference |
|---|---|---|---|
| 30-Year Fixed | 6.72% | 6.65% | +0.07% |
| 15-Year Fixed | 5.97% | 5.89% | +0.08% |
| 5/1 ARM | 6.23% | 6.15% | +0.08% |
| FHA | 6.48% | 6.25% | +0.23% |
| VA | 6.23% | 6.05% | +0.18% |
| Jumbo | 6.97% | 6.85% | +0.12% |
Clearmont Housing Market Overview
The Clearmont housing market offers relatively affordable housing compared to many major cities. The median household income in Clearmont is $58,500, and the cost of living index is 88.7 (national average = 100). Based on the 28% affordability rule, the median income in Clearmont is sufficient to afford the median-priced home.
Monthly Payment Breakdown for Clearmont
Based on the median home price of $220,000 with 20% down ($44,000), here is what you can expect to pay monthly in Clearmont:
15-Year vs. 30-Year Mortgage in Clearmont
Choosing a 15-year mortgage in Clearmont at 5.97% instead of a 30-year at 6.72% would save you $142,920 in total interest over the life of the loan. However, your monthly payment would be $1,482 instead of $1,138 — an increase of $344 per month.
Calculate Your Clearmont Mortgage Payment
Use our free calculator to get a personalized estimate based on your loan amount, interest rate, and term.
Open Free CalculatorFrequently Asked Questions About Mortgages in Clearmont
What are the current mortgage rates in Clearmont, WY?
As of March 2026, the average 30-year fixed mortgage rate in Clearmont, Wyoming is 6.72%, while the 15-year fixed rate is 5.97%. FHA loans average 6.48% and VA loans 6.23%. These rates are 0.07% above the national average of 6.65%.
How much is a monthly mortgage payment in Clearmont?
Based on the median home price of $220,000 with 20% down, the estimated monthly mortgage payment in Clearmont is $1,138 for principal and interest. Including property taxes of $117/month, the total monthly housing cost is approximately $1,255.
What income do I need to buy a home in Clearmont?
Using the 28% rule, you would need an annual income of approximately $53,786 to afford the median-priced home in Clearmont at $220,000. The median household income in Clearmont is $58,500. The median income is currently sufficient to meet this threshold.
Is Clearmont a good place to buy a home in 2026?
Clearmont offers a below-average cost of living with a cost of living index of 88.7 (national average = 100). The property tax rate in Wyoming is 0.64%, which is below the national average. Clearmont has a population of 139 and offers a very affordable lifestyle.
Mortgage Rates in Other Wyoming Cities
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Clearmont, Wyoming area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.