Mortgage Rates in Star Valley Ranch, Wyoming — March 2026
Updated March 2026 | Based on Star Valley Ranch market data and regional lending conditions
Star Valley Ranch is a growing city in Wyoming with a population of 1,649. The current 30-year fixed mortgage rate in Star Valley Ranch is 6.61%, which is 0.04% below the national average. With a median home price of $203,000 and a 20% down payment of $40,600, homebuyers can expect a monthly principal and interest payment of approximately $1,038.
Current Mortgage Rates in Star Valley Ranch, WY
Below are the current average mortgage rates available in the Star Valley Ranch 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 | 6.61% | 6.65% | -0.04% |
| 15-Year Fixed | 5.88% | 5.89% | -0.01% |
| 5/1 ARM | 6.17% | 6.15% | +0.02% |
| FHA | 6.43% | 6.25% | +0.18% |
| VA | 6.18% | 6.05% | +0.13% |
| Jumbo | 6.86% | 6.85% | +0.01% |
Star Valley Ranch Housing Market Overview
The Star Valley Ranch housing market offers relatively affordable housing compared to many major cities. The median household income in Star Valley Ranch is $64,200, and the cost of living index is 82.4 (national average = 100). Based on the 28% affordability rule, the median income in Star Valley Ranch is sufficient to afford the median-priced home.
Monthly Payment Breakdown for Star Valley Ranch
Based on the median home price of $203,000 with 20% down ($40,600), here is what you can expect to pay monthly in Star Valley Ranch:
15-Year vs. 30-Year Mortgage in Star Valley Ranch
Choosing a 15-year mortgage in Star Valley Ranch at 5.88% instead of a 30-year at 6.61% would save you $128,880 in total interest over the life of the loan. However, your monthly payment would be $1,360 instead of $1,038 — an increase of $322 per month.
Calculate Your Star Valley Ranch 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 Star Valley Ranch
What are the current mortgage rates in Star Valley Ranch, WY?
As of March 2026, the average 30-year fixed mortgage rate in Star Valley Ranch, Wyoming is 6.61%, while the 15-year fixed rate is 5.88%. FHA loans average 6.43% and VA loans 6.18%. These rates are 0.04% below the national average of 6.65%.
How much is a monthly mortgage payment in Star Valley Ranch?
Based on the median home price of $203,000 with 20% down, the estimated monthly mortgage payment in Star Valley Ranch is $1,038 for principal and interest. Including property taxes of $105/month, the total monthly housing cost is approximately $1,143.
What income do I need to buy a home in Star Valley Ranch?
Using the 28% rule, you would need an annual income of approximately $48,986 to afford the median-priced home in Star Valley Ranch at $203,000. The median household income in Star Valley Ranch is $64,200. The median income is currently sufficient to meet this threshold.
Is Star Valley Ranch a good place to buy a home in 2026?
Star Valley Ranch offers a below-average cost of living with a cost of living index of 82.4 (national average = 100). The property tax rate in Wyoming is 0.62%, which is below the national average. Star Valley Ranch has a population of 1,649 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 Star Valley Ranch, Wyoming area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.