Mortgage Rates in Douglas, Wyoming — March 2026
Updated March 2026 | Based on Douglas market data and regional lending conditions
Douglas is a growing city in Wyoming with a population of 6,859. The current 30-year fixed mortgage rate in Douglas is 6.21%, which is 0.44% below the national average. With a median home price of $205,000 and a 20% down payment of $41,000, homebuyers can expect a monthly principal and interest payment of approximately $1,006.
Current Mortgage Rates in Douglas, WY
Below are the current average mortgage rates available in the Douglas 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 | 6.21% | 6.65% | -0.44% |
| 15-Year Fixed | 5.45% | 5.89% | -0.44% |
| 5/1 ARM | 5.71% | 6.15% | -0.44% |
| FHA | 5.81% | 6.25% | -0.44% |
| VA | 5.61% | 6.05% | -0.44% |
| Jumbo | 6.41% | 6.85% | -0.44% |
Douglas Housing Market Overview
The Douglas housing market offers relatively affordable housing compared to many major cities. The median household income in Douglas is $42,000, and the cost of living index is 84 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $47,529 to comfortably afford the median-priced home in Douglas, which exceeds the current median household income.
Monthly Payment Breakdown for Douglas
Based on the median home price of $205,000 with 20% down ($41,000), here is what you can expect to pay monthly in Douglas:
15-Year vs. 30-Year Mortgage in Douglas
Choosing a 15-year mortgage in Douglas at 5.45% instead of a 30-year at 6.21% would save you $121,680 in total interest over the life of the loan. However, your monthly payment would be $1,336 instead of $1,006 — an increase of $330 per month.
Calculate Your Douglas 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 Douglas
What are the current mortgage rates in Douglas, WY?
As of March 2026, the average 30-year fixed mortgage rate in Douglas, Wyoming is 6.21%, while the 15-year fixed rate is 5.45%. FHA loans average 5.81% and VA loans 5.61%. These rates are 0.44% below the national average of 6.65%.
How much is a monthly mortgage payment in Douglas?
Based on the median home price of $205,000 with 20% down, the estimated monthly mortgage payment in Douglas is $1,006 for principal and interest. Including property taxes of $103/month, the total monthly housing cost is approximately $1,109.
What income do I need to buy a home in Douglas?
Using the 28% rule, you would need an annual income of approximately $47,529 to afford the median-priced home in Douglas at $205,000. The median household income in Douglas is $42,000. This means most households would need to either earn above the median or consider homes below $205,000.
Is Douglas a good place to buy a home in 2026?
Douglas offers a below-average cost of living with a cost of living index of 84 (national average = 100). The property tax rate in Wyoming is 0.6%, which is below the national average. Douglas has a population of 6,859 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 Douglas, Wyoming area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.