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New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report

Chugwater, WY Housing Affordability Index

Chugwater, Wyoming has an MBR Housing Affordability Index score of 132.8 (Highly Affordable) as of October 30, 2026, ranking 38th most affordable of 98 scored Wyoming cities, compared with 103.1 statewide and 97.4 nationally. On a median-priced $295,000 home with 20% down, the Wyoming average 30-year fixed rate of 7.26% means a monthly principal and interest payment of about $1,611, or 28% of the city’s $68,475 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Chugwater is updated every night from live Wyoming mortgage rates and U.S. Census Bureau income, home value and housing cost data for the city. A score of 100 equals the national average; higher scores mean homeownership is more affordable.

Chugwater MBR-HAI 132.8 Highly Affordable
Rank in Wyoming 38 of 98 1 = most affordable
Wyoming 103.1 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.26% Wyoming lenders
Median home value $295,000 U.S. Census Bureau

Chugwater is 29.6 points above the Wyoming score. Scores as of October 30, 2026. See the Wyoming index

View Chugwater Mortgage Rates

What It Takes to Buy in Chugwater

$1,611/mo
Principal & Interest
Median home, 20% down, 7.26%
$69,000
Income Needed
To keep the payment at 28% of income
$68,475
Median Household Income
Wyoming: $76,176
4.3x
Price-to-Income Ratio
Wyoming: 4.1x
$962/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$753/yr
Median Property Tax
0.26% of median value
9.8%
Owner Cost Burden
Owners spending 30%+ of income on housing
33.3%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Chugwater, Wyoming. The rate is the Wyoming average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.

Cite the Chugwater Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Chugwater, Wyoming score: 132.8 (Highly Affordable), ranked 38 of 98 Wyoming cities. monitorbankrates.com/housing-affordability-index/wyoming/chugwater”