Mortgage Rates in Kemmerer, Wyoming — March 2026
Updated March 2026 | Based on Kemmerer market data and regional lending conditions
Kemmerer is a growing city in Wyoming with a population of 2,656. The current 30-year fixed mortgage rate in Kemmerer is 6.63%, which is 0.02% below 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 $1,215.
Current Mortgage Rates in Kemmerer, WY
Below are the current average mortgage rates available in the Kemmerer 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 | 6.63% | 6.65% | -0.02% |
| 15-Year Fixed | 5.89% | 5.89% | 0% |
| 5/1 ARM | 6.18% | 6.15% | +0.03% |
| FHA | 6.44% | 6.25% | +0.19% |
| VA | 6.19% | 6.05% | +0.14% |
| Jumbo | 6.88% | 6.85% | +0.03% |
Kemmerer Housing Market Overview
The Kemmerer housing market offers relatively affordable housing compared to many major cities. The median household income in Kemmerer is $66,200, and the cost of living index is 93.2 (national average = 100). Based on the 28% affordability rule, the median income in Kemmerer is sufficient to afford the median-priced home.
Monthly Payment Breakdown for Kemmerer
Based on the median home price of $237,000 with 20% down ($47,400), here is what you can expect to pay monthly in Kemmerer:
15-Year vs. 30-Year Mortgage in Kemmerer
Choosing a 15-year mortgage in Kemmerer at 5.89% instead of a 30-year at 6.63% would save you $151,380 in total interest over the life of the loan. However, your monthly payment would be $1,589 instead of $1,215 — an increase of $374 per month.
Calculate Your Kemmerer 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 Kemmerer
What are the current mortgage rates in Kemmerer, WY?
As of March 2026, the average 30-year fixed mortgage rate in Kemmerer, Wyoming is 6.63%, while the 15-year fixed rate is 5.89%. FHA loans average 6.44% and VA loans 6.19%. These rates are 0.02% below the national average of 6.65%.
How much is a monthly mortgage payment in Kemmerer?
Based on the median home price of $237,000 with 20% down, the estimated monthly mortgage payment in Kemmerer is $1,215 for principal and interest. Including property taxes of $120/month, the total monthly housing cost is approximately $1,335.
What income do I need to buy a home in Kemmerer?
Using the 28% rule, you would need an annual income of approximately $57,214 to afford the median-priced home in Kemmerer at $237,000. The median household income in Kemmerer is $66,200. The median income is currently sufficient to meet this threshold.
Is Kemmerer a good place to buy a home in 2026?
Kemmerer offers a below-average cost of living with a cost of living index of 93.2 (national average = 100). The property tax rate in Wyoming is 0.61%, which is below the national average. Kemmerer has a population of 2,656 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 Kemmerer, Wyoming area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.