Laramie, WY home prices
Typical home $383,203 · +0.2% in a year · income needed $104,500
The Laramie, WY metro area ranks 178 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +0.2% in a year and +26.4% over five years. With 20% down at 7.11%, the typical home costs about $2,438 a month including 0.58% property tax (Albany County rate).
Mortgage on the typical Laramie home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $76,641 | $306,562 | $2,062 | $0 | $376 | $2,438 | $104,500 |
| 10% down | $38,320 | $344,883 | $2,320 | $144 | $376 | $2,840 | $121,700 |
| 5% down | $19,160 | $364,043 | $2,449 | $152 | $376 | $2,977 | $127,600 |
| 3.5% down (FHA) | $13,412 | $376,262 | $2,531 | $169 | $376 | $3,077 | $131,900 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.58% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
Counties in the Laramie area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Albany County, WY | $383,049 | +0.3% | 0.58% |
What can you afford in Wyoming on your salary? · Wyoming home prices · Salaries in Wyoming
Frequently asked questions
How much is a house in Laramie?
The typical home in the Laramie, WY metro area is worth $383,203 (Zillow, September 2026).
What salary do you need to buy a house in Laramie?
About $104,500 a year for the typical home with 20% down at 7.11%.