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Mortgage Calculator &
Closing Costs: Jackson, WY

Mortgage payment estimates, closing cost breakdowns, and homebuying data for Jackson, Wyoming.

Median Home Price
$1.3M
Population
11K
Avg Monthly Rent
$2,850
Property Tax Rate
0.61% *
* Property tax shown is the Wyoming state average effective rate. Actual rates vary by county, city, and school district — check with your local assessor for exact rates in Jackson.
Jackson vs Wyoming Median
The median home price in Jackson is $1,250,000, which is 268% above the Wyoming state median of $340,000.

Mortgage Calculator — Jackson, WY

Pre-filled with Jackson median home price and Wyoming tax/insurance rates. Adjust for your property.

$
$250,000
%
%
years
WY avg
%
$
Monthly Payment (PITI)
$7,106
Principal + Interest + Tax + Insurance + PMI
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Principal & Interest
$6,321
per month
Taxes & Insurance
$785
per month
Total Interest Paid
$1.3M
over 30 years
Total Loan Cost
$2.3M
all payments
Payment Breakdown
Loan Amount$1,000,000
Principal & Interest$6,321
Property Taxes$635
Homeowners Insurance$150
Total Monthly PITI$7,106

Closing Costs — Jackson, WY

Estimated closing costs based on Wyoming rates and fees applied to Jackson prices.

$
%
Wyoming: Avg closing costs 1.1% of price. Transfer tax: 0%.
Estimated Closing Costs
$26,043
2.1% of purchase price
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Lender Fees
$9,425
origination, underwriting
Third-Party
$7,700
appraisal, title, inspection
Government Fees
$0
transfer taxes, recording
Prepaids + Escrow
$8,918
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$9,000
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$6,550
Recording Fee$150
Prepaid Taxes (3 mo)$1,906
Prepaid Insurance (12 mo)$1,800
Prepaid Interest (15 days)$3,005
Escrow Reserves$2,206
Total Closing Costs$26,043

Monthly Payment Scenarios — Jackson

Three down payment scenarios for a $1.3M home using Wyoming's 0.61% tax rate and $1,800/yr insurance.

5% Down
$8,984/mo
Down: $62,500
Loan: $1.2M
P&I: $7,506
Tax: $635
Insurance: $150
PMI: $693
10% Down
$8,552/mo
Down: $125,000
Loan: $1.1M
P&I: $7,111
Tax: $635
Insurance: $150
PMI: $656
20% Down (No PMI)
$7,106/mo
Down: $250,000
Loan: $1.0M
P&I: $6,321
Tax: $635
Insurance: $150

Income needed (28% rule): $305K/year with 20% down, $367K/year with 10% down.

Rent vs Buy in Jackson

Rent
$2,850/mo
vs
Buy (10% down)
$8,552/mo
Price-to-rent ratio: 36.5At a ratio above 20, renting may be more economical in Jackson for shorter stays. Buying costs $5,702 more per month than renting, and it typically takes 5-7 years to break even on the transaction costs of buying.

Run a detailed Rent vs Buy analysis →

Buying a Home in Jackson, Wyoming

The median home price in Jackson is $1,250,000, 268% above the Wyoming state median of $340,000. With a population of 10,729, Jackson is a smaller market where home prices reflect strong demand and local economic factors.

Property taxes in Wyoming average 0.61% annually. This low property tax rate is a significant advantage for Jackson buyers, keeping your monthly costs well below what you'd pay in higher-tax states. Homeowners insurance in Wyoming runs approximately $1,800 per year. This is within the normal range nationally.

Average rent in Jackson is $2,850/month. With a price-to-rent ratio above 20, renting could be more economical in the short term — use our Rent vs Buy calculator to model your specific timeline.

Jackson is a higher-cost market. At $1.3M median, buyers need significant savings or strong income. Down payment assistance through Wyoming's WCDA Spruce Up Wyoming program becomes especially important.

Run a Rent vs Buy analysis
Compare total costs of renting vs buying in Jackson.
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