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Mortgage Calculator &
Closing Costs: Thermopolis, WY

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

Median Home Price
$185K
Population
3K
Avg Monthly Rent
$750
Property Tax Rate
0.61%
Thermopolis vs Wyoming Median
The median home price in Thermopolis is $185,000, which is 46% below the Wyoming state median of $340,000.

Mortgage Calculator — Thermopolis, WY

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

$
$37,000
%
%
years
WY avg
%
$
Monthly Payment (PITI)
$1,180
Principal + Interest + Tax + Insurance + PMI
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Principal & Interest
$935
per month
Taxes & Insurance
$244
per month
Total Interest Paid
$189K
over 30 years
Total Loan Cost
$337K
all payments
Payment Breakdown
Loan Amount$148,000
Principal & Interest$935
Property Taxes$94
Homeowners Insurance$150
Total Monthly PITI$1,180

Closing Costs — Thermopolis, WY

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

$
%
Wyoming: Avg closing costs 1.1% of price. Transfer tax: 0%.
Estimated Closing Costs
$7,241
3.9% of purchase price
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Lender Fees
$1,757
origination, underwriting
Third-Party
$2,375
appraisal, title, inspection
Government Fees
$0
transfer taxes, recording
Prepaids + Escrow
$3,109
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$1,332
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$1,225
Recording Fee$150
Prepaid Taxes (3 mo)$282
Prepaid Insurance (12 mo)$1,800
Prepaid Interest (15 days)$445
Escrow Reserves$582
Total Closing Costs$7,241

Buying a Home in Thermopolis, Wyoming

The median home price in Thermopolis is $185,000, 46% below the Wyoming state median of $340,000. With a population of 2,868, Thermopolis is a smaller market where home prices tend to be more accessible than in many parts of Wyoming.

Property taxes in Wyoming average 0.61% annually. This low property tax rate is a significant advantage for Thermopolis 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 Thermopolis is $750/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.

Thermopolis offers strong affordability. With median prices under $250K, first-time buyers have realistic paths to homeownership, especially combined with Wyoming's WCDA Spruce Up Wyoming program.

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