Mortgage Rates in Riverton, Wyoming — March 2026
Updated March 2026 | Based on Riverton market data and regional lending conditions
Riverton is a growing city in Wyoming with a population of 11,352. The current 30-year fixed mortgage rate in Riverton is 6.17%, which is 0.48% below the national average. With a median home price of $215,000 and a 20% down payment of $43,000, homebuyers can expect a monthly principal and interest payment of approximately $1,051.
Current Mortgage Rates in Riverton, WY
Below are the current average mortgage rates available in the Riverton 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 | 6.17% | 6.65% | -0.48% |
| 15-Year Fixed | 5.41% | 5.89% | -0.48% |
| 5/1 ARM | 5.67% | 6.15% | -0.48% |
| FHA | 5.77% | 6.25% | -0.48% |
| VA | 5.57% | 6.05% | -0.48% |
| Jumbo | 6.37% | 6.85% | -0.48% |
Riverton Housing Market Overview
The Riverton housing market offers relatively affordable housing compared to many major cities. The median household income in Riverton 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 $49,586 to comfortably afford the median-priced home in Riverton, which exceeds the current median household income.
Monthly Payment Breakdown for Riverton
Based on the median home price of $215,000 with 20% down ($43,000), here is what you can expect to pay monthly in Riverton:
15-Year vs. 30-Year Mortgage in Riverton
Choosing a 15-year mortgage in Riverton at 5.41% instead of a 30-year at 6.17% would save you $126,900 in total interest over the life of the loan. However, your monthly payment would be $1,397 instead of $1,051 — an increase of $346 per month.
Calculate Your Riverton 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 Riverton
What are the current mortgage rates in Riverton, WY?
As of March 2026, the average 30-year fixed mortgage rate in Riverton, Wyoming is 6.17%, while the 15-year fixed rate is 5.41%. FHA loans average 5.77% and VA loans 5.57%. These rates are 0.48% below the national average of 6.65%.
How much is a monthly mortgage payment in Riverton?
Based on the median home price of $215,000 with 20% down, the estimated monthly mortgage payment in Riverton is $1,051 for principal and interest. Including property taxes of $106/month, the total monthly housing cost is approximately $1,157.
What income do I need to buy a home in Riverton?
Using the 28% rule, you would need an annual income of approximately $49,586 to afford the median-priced home in Riverton at $215,000. The median household income in Riverton is $42,000. This means most households would need to either earn above the median or consider homes below $215,000.
Is Riverton a good place to buy a home in 2026?
Riverton 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 0.59%, which is below the national average. Riverton has a population of 11,352 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 Riverton, Wyoming area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.