Mortgage Rates in Moorcroft, Wyoming — March 2026
Updated March 2026 | Based on Moorcroft market data and regional lending conditions
Moorcroft is a growing city in Wyoming with a population of 1,009. The current 30-year fixed mortgage rate in Moorcroft is 6.69%, which is 0.04% above the national average. With a median home price of $232,000 and a 20% down payment of $46,400, homebuyers can expect a monthly principal and interest payment of approximately $1,196.
Current Mortgage Rates in Moorcroft, WY
Below are the current average mortgage rates available in the Moorcroft 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 | 6.69% | 6.65% | +0.04% |
| 15-Year Fixed | 5.94% | 5.89% | +0.05% |
| 5/1 ARM | 6.21% | 6.15% | +0.06% |
| FHA | 6.47% | 6.25% | +0.22% |
| VA | 6.22% | 6.05% | +0.17% |
| Jumbo | 6.94% | 6.85% | +0.09% |
Moorcroft Housing Market Overview
The Moorcroft housing market offers relatively affordable housing compared to many major cities. The median household income in Moorcroft is $61,300, and the cost of living index is 89.6 (national average = 100). Based on the 28% affordability rule, the median income in Moorcroft is sufficient to afford the median-priced home.
Monthly Payment Breakdown for Moorcroft
Based on the median home price of $232,000 with 20% down ($46,400), here is what you can expect to pay monthly in Moorcroft:
15-Year vs. 30-Year Mortgage in Moorcroft
Choosing a 15-year mortgage in Moorcroft at 5.94% instead of a 30-year at 6.69% would save you $149,760 in total interest over the life of the loan. However, your monthly payment would be $1,560 instead of $1,196 — an increase of $364 per month.
Calculate Your Moorcroft 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 Moorcroft
What are the current mortgage rates in Moorcroft, WY?
As of March 2026, the average 30-year fixed mortgage rate in Moorcroft, Wyoming is 6.69%, while the 15-year fixed rate is 5.94%. FHA loans average 6.47% and VA loans 6.22%. These rates are 0.04% above the national average of 6.65%.
How much is a monthly mortgage payment in Moorcroft?
Based on the median home price of $232,000 with 20% down, the estimated monthly mortgage payment in Moorcroft is $1,196 for principal and interest. Including property taxes of $126/month, the total monthly housing cost is approximately $1,322.
What income do I need to buy a home in Moorcroft?
Using the 28% rule, you would need an annual income of approximately $56,657 to afford the median-priced home in Moorcroft at $232,000. The median household income in Moorcroft is $61,300. The median income is currently sufficient to meet this threshold.
Is Moorcroft a good place to buy a home in 2026?
Moorcroft offers a below-average cost of living with a cost of living index of 89.6 (national average = 100). The property tax rate in Wyoming is 0.65%, which is below the national average. Moorcroft has a population of 1,009 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 Moorcroft, Wyoming area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.