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Dodge monthly mortgage insurance premiums (PMI) completely and secure the standard conventional baseline.
Explore programs requiring as little as 3% down conventional or 3.5% FHA, helping you buy sooner.
Optimize your existing debt service, lower your interest rate, or secure cash-out equity restructure.
Department of Veterans Affairs purchase loans offering 0% down payment and no monthly PMI for military.
Lock in lower interest rates with a 15-year fixed loan term to build massive equity quickly.
Finance non-owner occupied rental acquisitions or multi-unit house hacking with competitive investor pricing.
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Current Local Mortgage Rates
Sorted by lowest conforming purchase rate
Requires veteran or military eligibility
Loan amount is under conforming limits
| Loan Program | Today's Rate / APR | Points | Est. Payment | Action |
|---|---|---|---|---|
| Conventional 30-Yr FixedConforming | 6.910%APR 6.947% | 0 pts$0 | $2,031/moP&I $2,031 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.943%APR 6.712% | 0 pts$0 | $2,011/moP&I $1,868 · MI $144 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.012%APR 6.064% | 0 pts$0 | $1,849/moP&I $1,849 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.869%APR 6.906% | 0 pts$0 | $2,022/moP&I $2,022 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.673% | 0 pts$0 | $2,180/moP&I $2,180 · MI $0 | See details |
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Compare all 26 pre-computed scenario benchmarks
Scenario Program | Down Pct | Credit score | Today's Rate | APR | Points | P&I Payment | 3-Yr Metric Cost |
|---|---|---|---|---|---|---|---|
15-Year Conforming Purchase | 20% | 740 credit score | 6.012% | 6.064% | 0 pts ($0) | $2,601/mo | $52,016 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.997% | 6.050% | 0 pts ($0) | $3,248/mo | $72,360 |
Condo 10% Down | 10% | 720 credit score | 7.194% | 7.364% | 0 pts ($0) | $2,351/mo | $82,515 |
Conventional 10% Down | 10% | 720 credit score | 6.612% | 6.768% | 0 pts ($0) | $2,216/mo | $76,437 |
Conventional 20% Down | 20% | 740 credit score | 6.910% | 6.947% | 0 pts ($0) | $2,031/mo | $62,855 |
Conventional 5% Down | 5% | 700 credit score | 7.028% | 7.507% | 0 pts ($0) | $2,440/mo | $85,268 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.353% | 7.393% | 0 pts ($0) | $2,653/mo | $91,219 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,278/mo | $77,197 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.820% | 7.196% | 0 pts ($0) | $2,440/mo | $88,083 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.869% | 6.906% | 0 pts ($0) | $2,528/mo | $85,601 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,177/mo | $75,750 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.943% | 6.712% | 0 pts ($0) | $2,253/mo | $78,884 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,333/mo | $81,663 |
FHA Streamline Refi | 0% | 640 credit score | 6.060% | 6.831% | 0 pts ($0) | $2,364/mo | $83,123 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.994% | 7.239% | 0 pts ($0) | $2,432/mo | $88,185 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $2,409/mo | $47,161 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.673% | 0 pts ($0) | $2,044/mo | $65,154 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $2,075/mo | $64,851 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $2,239/mo | $68,644 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.301% | 7.076% | 0 pts ($0) | $2,340/mo | $82,953 |
Second Home 10% Down | 10% | 720 credit score | 5.947% | 6.520% | 0 pts ($0) | $2,066/mo | $69,506 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,025/mo | $62,613 |
VA 0% Down | 0% | 700 credit score | 6.058% | 6.303% | 0 pts ($0) | $2,373/mo | $78,450 |
VA Cash-Out Refi | 0% | 640 credit score | 6.066% | 6.435% | 0 pts ($0) | $2,375/mo | $78,544 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.072% | 6.225% | 0 pts ($0) | $2,376/mo | $78,615 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $2,119/mo | $67,025 |
Frequently Asked Questions
What are today's mortgage rates in 82725, , WY across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 82725, , WY is 6.910% (with an estimated monthly payment of $2,145). Active program rates also include FHA 30-year fixed loans at 5.943% and VA 0%-down fixed loans at 6.058%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 82725, , WY?
Mortgage rates have shown typical daily fluctuations driven by inflation data and bond yields. Over the past 90 days, conventional 30-year fixed rates in 82725, , WY have fluctuated between a low of 6.539% and a high of 6.989%. You can track these daily movements by using the 90-day rate history and trajectory chart featured on this page.
Is an FHA or Conventional loan more cost-effective in 82725, , WY?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $385,015 in 82725, , WY, a standard 20%-down Conventional loan requires an upfront cash down payment of $77,003 but keeps your monthly payment lower at $2,145/mo (at 6.910% interest) with no monthly PMI. In comparison, an FHA loan requires only $13,476 (3.5% down) but has an estimated payment of $2,380/mo (at 5.943% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $371,539 falls comfortably within the local HUD FHA loan limit of $524,225 (1-unit), making FHA financing an exceptionally accessible, high-leverage entry point into the market.
What is the maximum conforming loan limit in 82725 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 82725 is $806,501. With a typical local home value of $385,015 in , a standard 20%-down mortgage requires a loan size of $308,012. Because this is within the $806,501 conforming threshold, buyers can easily qualify for standard conforming conventional financing with competitive rates.
How does the median home value in 82725, , WY impact estimated mortgage payments?
The median home value in 82725, , WY is estimated at $385,015. Buying a typical home here with a standard 20% down payment ($77,003) translates to an estimated starting monthly mortgage payment of $2,145 (principal and interest). Compared to the local area median household income of $110,714 ($9,226/mo), this basic housing payment represents approximately 23.3% of gross monthly household income. This housing cost is well within standard lender affordability guidelines (under the 36% DTI benchmark), demonstrating healthy local purchasing power.