Mortgage Rates in Wheatland, Wyoming — March 2026
Updated March 2026 | Based on Wheatland market data and regional lending conditions
Wheatland is a growing city in Wyoming with a population of 3,627. The current 30-year fixed mortgage rate in Wheatland is 6.65%, which is at 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 $1,043.
Current Mortgage Rates in Wheatland, WY
Below are the current average mortgage rates available in the Wheatland 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 | 6.65% | 6.65% | 0% |
| 15-Year Fixed | 5.91% | 5.89% | +0.02% |
| 5/1 ARM | 6.19% | 6.15% | +0.04% |
| FHA | 6.45% | 6.25% | +0.2% |
| VA | 6.2% | 6.05% | +0.15% |
| Jumbo | 6.9% | 6.85% | +0.05% |
Wheatland Housing Market Overview
The Wheatland housing market offers relatively affordable housing compared to many major cities. The median household income in Wheatland is $67,900, and the cost of living index is 81.2 (national average = 100). Based on the 28% affordability rule, the median income in Wheatland is sufficient to afford the median-priced home.
Monthly Payment Breakdown for Wheatland
Based on the median home price of $203,000 with 20% down ($40,600), here is what you can expect to pay monthly in Wheatland:
15-Year vs. 30-Year Mortgage in Wheatland
Choosing a 15-year mortgage in Wheatland at 5.91% instead of a 30-year at 6.65% would save you $130,140 in total interest over the life of the loan. However, your monthly payment would be $1,363 instead of $1,043 — an increase of $320 per month.
Calculate Your Wheatland 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 Wheatland
What are the current mortgage rates in Wheatland, WY?
As of March 2026, the average 30-year fixed mortgage rate in Wheatland, Wyoming is 6.65%, while the 15-year fixed rate is 5.91%. FHA loans average 6.45% and VA loans 6.2%. These rates are at the national average of 6.65%.
How much is a monthly mortgage payment in Wheatland?
Based on the median home price of $203,000 with 20% down, the estimated monthly mortgage payment in Wheatland is $1,043 for principal and interest. Including property taxes of $98/month, the total monthly housing cost is approximately $1,141.
What income do I need to buy a home in Wheatland?
Using the 28% rule, you would need an annual income of approximately $48,900 to afford the median-priced home in Wheatland at $203,000. The median household income in Wheatland is $67,900. The median income is currently sufficient to meet this threshold.
Is Wheatland a good place to buy a home in 2026?
Wheatland offers a below-average cost of living with a cost of living index of 81.2 (national average = 100). The property tax rate in Wyoming is 0.58%, which is below the national average. Wheatland has a population of 3,627 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 Wheatland, Wyoming area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.