Mortgage Rates in Guernsey, Wyoming — March 2026
Updated March 2026 | Based on Guernsey market data and regional lending conditions
Guernsey is a growing city in Wyoming with a population of 1,147. The current 30-year fixed mortgage rate in Guernsey is 6.9%, which is 0.25% above the national average. With a median home price of $237,000 and a 20% down payment of $47,400, homebuyers can expect a monthly principal and interest payment of approximately $1,249.
Current Mortgage Rates in Guernsey, WY
Below are the current average mortgage rates available in the Guernsey 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 | 6.9% | 6.65% | +0.25% |
| 15-Year Fixed | 6.11% | 5.89% | +0.22% |
| 5/1 ARM | 6.34% | 6.15% | +0.19% |
| FHA | 6.57% | 6.25% | +0.32% |
| VA | 6.32% | 6.05% | +0.27% |
| Jumbo | 7.15% | 6.85% | +0.3% |
Guernsey Housing Market Overview
The Guernsey housing market offers relatively affordable housing compared to many major cities. The median household income in Guernsey is $55,200, and the cost of living index is 90.1 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $58,843 to comfortably afford the median-priced home in Guernsey, which exceeds the current median household income.
Monthly Payment Breakdown for Guernsey
Based on the median home price of $237,000 with 20% down ($47,400), here is what you can expect to pay monthly in Guernsey:
15-Year vs. 30-Year Mortgage in Guernsey
Choosing a 15-year mortgage in Guernsey at 6.11% instead of a 30-year at 6.9% would save you $159,660 in total interest over the life of the loan. However, your monthly payment would be $1,611 instead of $1,249 — an increase of $362 per month.
Calculate Your Guernsey 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 Guernsey
What are the current mortgage rates in Guernsey, WY?
As of March 2026, the average 30-year fixed mortgage rate in Guernsey, Wyoming is 6.9%, while the 15-year fixed rate is 6.11%. FHA loans average 6.57% and VA loans 6.32%. These rates are 0.25% above the national average of 6.65%.
How much is a monthly mortgage payment in Guernsey?
Based on the median home price of $237,000 with 20% down, the estimated monthly mortgage payment in Guernsey is $1,249 for principal and interest. Including property taxes of $124/month, the total monthly housing cost is approximately $1,373.
What income do I need to buy a home in Guernsey?
Using the 28% rule, you would need an annual income of approximately $58,843 to afford the median-priced home in Guernsey at $237,000. The median household income in Guernsey is $55,200. This means most households would need to either earn above the median or consider homes below $237,000.
Is Guernsey a good place to buy a home in 2026?
Guernsey offers a below-average cost of living with a cost of living index of 90.1 (national average = 100). The property tax rate in Wyoming is 0.63%, which is below the national average. Guernsey has a population of 1,147 and offers a very affordable lifestyle.
Mortgage Rates in Other Wyoming Cities
Related Tools & Guides
Last updated: March 2026. Rates are approximate averages based on regional lending data for the Guernsey, Wyoming area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.