MonitorBankRates
☰
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

Laramie, WY Housing Affordability Index

Laramie, Wyoming has an MBR Housing Affordability Index score of 86.5 (Moderately Less Affordable) as of October 30, 2026, ranking 93rd most affordable of 98 scored Wyoming cities, compared with 103.1 statewide and 97.4 nationally. On a median-priced $319,500 home with 20% down, the Wyoming average 30-year fixed rate of 7.26% means a monthly principal and interest payment of about $1,745, or 38% of the city’s $55,613 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Laramie 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.

Laramie MBR-HAI 86.5 Moderately Less Affordable
Rank in Wyoming 93 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 $319,500 U.S. Census Bureau

Laramie is 16.7 points below the Wyoming score. Scores as of October 30, 2026. See the Wyoming index

View Laramie Mortgage Rates

What It Takes to Buy in Laramie

$1,745/mo
Principal & Interest
Median home, 20% down, 7.26%
$74,800
Income Needed
To keep the payment at 28% of income
$55,613
Median Household Income
Wyoming: $76,176
5.7x
Price-to-Income Ratio
Wyoming: 4.1x
$1,320/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,900/yr
Median Property Tax
0.59% of median value
17.1%
Owner Cost Burden
Owners spending 30%+ of income on housing
48.7%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Laramie Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Laramie, Wyoming score: 86.5 (Moderately Less Affordable), ranked 93 of 98 Wyoming cities. monitorbankrates.com/housing-affordability-index/wyoming/laramie”