Mortgage Refinance Rates in Wyoming (2026)
With Wyoming's median value near $340,000, a homeowner refinancing a typical $231,000 balance from about 7.50% to 6.25% saves roughly $193/month — breaking even on ~$5,775 of costs near month 30.
Refinancing in Wyoming comes in three flavors: lower your rate, shorten your term, or pull out equity to 80% LTV. Wyoming uses the $806,500 conforming baseline statewide.
Refinance snapshot by Wyoming county
| County | Est. Value | 2026 Conforming Limit | Tier |
|---|---|---|---|
| Laramie County | $340,000 | $806,500 | Baseline |
| Natrona County | $340,000 | $806,500 | Baseline |
| Campbell County | $340,000 | $806,500 | Baseline |
| Sweetwater County | $340,000 | $806,500 | Baseline |
| Fremont County | $340,000 | $806,500 | Baseline |
| Albany County | $340,000 | $806,500 | Baseline |
| Sheridan County | $340,000 | $806,500 | Baseline |
| Park County | $340,000 | $806,500 | Baseline |
| Teton County | $340,000 | $806,500 | Baseline |
| Uinta County | $340,000 | $806,500 | Baseline |
| Carbon County | $340,000 | $806,500 | Baseline |
| Lincoln County | $340,000 | $806,500 | Baseline |
| Converse County | $340,000 | $806,500 | Baseline |
| Goshen County | $340,000 | $806,500 | Baseline |
| Johnson County | $340,000 | $806,500 | Baseline |
| Big Horn County | $340,000 | $806,500 | Baseline |
| Platte County | $340,000 | $806,500 | Baseline |
| Washakie County | $340,000 | $806,500 | Baseline |
| Sublette County | $340,000 | $806,500 | Baseline |
| Weston County | $340,000 | $806,500 | Baseline |
Should you refinance in Wyoming?
It comes down to your break-even. Take your closing costs (often 2-5% of the balance) and divide by your monthly savings — if you will stay in the home past that month count, refinancing usually wins. Cash-out makes sense when the rate and use of funds beat your other borrowing options.
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Frequently Asked Questions
- How much can refinancing save in Wyoming?
- On a $231,000 balance near the Wyoming median, dropping from ~7.50% to 6.25% saves about $193/month. Your figure depends on your current rate and balance.
- What is the conforming loan limit in Wyoming for 2026?
- Most Wyoming counties use the $806,500 baseline; high-cost counties go up to $1,209,750. Above that, refinances are jumbo loans.