Mortgage Rates in Sundance, Wyoming — March 2026
Updated March 2026 | Based on Sundance market data and regional lending conditions
Sundance is a growing city in Wyoming with a population of 1,182. The current 30-year fixed mortgage rate in Sundance is 6.72%, which is 0.07% above the national average. With a median home price of $197,000 and a 20% down payment of $39,400, homebuyers can expect a monthly principal and interest payment of approximately $1,019.
Current Mortgage Rates in Sundance, WY
Below are the current average mortgage rates available in the Sundance 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 | 6.72% | 6.65% | +0.07% |
| 15-Year Fixed | 5.97% | 5.89% | +0.08% |
| 5/1 ARM | 6.23% | 6.15% | +0.08% |
| FHA | 6.49% | 6.25% | +0.24% |
| VA | 6.24% | 6.05% | +0.19% |
| Jumbo | 6.97% | 6.85% | +0.12% |
Sundance Housing Market Overview
The Sundance housing market offers relatively affordable housing compared to many major cities. The median household income in Sundance is $55,600, and the cost of living index is 88.6 (national average = 100). Based on the 28% affordability rule, the median income in Sundance is sufficient to afford the median-priced home.
Monthly Payment Breakdown for Sundance
Based on the median home price of $197,000 with 20% down ($39,400), here is what you can expect to pay monthly in Sundance:
15-Year vs. 30-Year Mortgage in Sundance
Choosing a 15-year mortgage in Sundance at 5.97% instead of a 30-year at 6.72% would save you $127,980 in total interest over the life of the loan. However, your monthly payment would be $1,327 instead of $1,019 — an increase of $308 per month.
Calculate Your Sundance 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 Sundance
What are the current mortgage rates in Sundance, WY?
As of March 2026, the average 30-year fixed mortgage rate in Sundance, Wyoming is 6.72%, while the 15-year fixed rate is 5.97%. FHA loans average 6.49% and VA loans 6.24%. These rates are 0.07% above the national average of 6.65%.
How much is a monthly mortgage payment in Sundance?
Based on the median home price of $197,000 with 20% down, the estimated monthly mortgage payment in Sundance is $1,019 for principal and interest. Including property taxes of $105/month, the total monthly housing cost is approximately $1,124.
What income do I need to buy a home in Sundance?
Using the 28% rule, you would need an annual income of approximately $48,171 to afford the median-priced home in Sundance at $197,000. The median household income in Sundance is $55,600. The median income is currently sufficient to meet this threshold.
Is Sundance a good place to buy a home in 2026?
Sundance offers a below-average cost of living with a cost of living index of 88.6 (national average = 100). The property tax rate in Wyoming is 0.64%, which is below the national average. Sundance has a population of 1,182 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 Sundance, Wyoming area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.