Cheyenne, WY Mortgage Rates
Live Mortgage Rates in Cheyenne, Wyoming
6.490%
Cheyenne Conventional Purchase benchmark (80% LTV, 780 FICO), updated Thursday, November 5, 2026 at 2:39 PM UTC
Sourced live from hundreds of wholesale lenders serving Cheyenne and Wyoming
Cheyenne Benchmark Rates
Lowest available rate with no discount points paid in Cheyenne, WY for each standard scenario, sourced live
| Scenario | Rate (no points) | APR |
|---|---|---|
Conventional Conventional Purchase (80% LTV, 780 FICO) · Cheyenne, WY | 6.490% | 6.529% |
FHA FHA Purchase (96.5% LTV, 680 FICO) · Cheyenne, WY | 5.990% | 6.031% |
VA VA Purchase (100% LTV, 680 FICO) · Cheyenne, WY | 6.125% | 6.155% |
2026 Loan Limits in Wyoming
Conforming
$832,750 baseline
High-cost Wyoming counties go up to $1,249,125 - Cheyenne may qualify depending on the specific property county.
FHA
$541,287
Standard FHA limit. Select high-cost Wyoming counties allow more, up to $1,249,125 - check your specific county.
About Cheyenne Mortgage Rates
The rates shown above reflect the lowest available wholesale pricing for a Cheyenne, Wyoming homebuyer at the time of the snapshot. Rate Direct pulls pricing from hundreds of lenders serving Wyoming and refreshes hourly, so the numbers stay close to what a licensed mortgage broker could actually source for a Cheyenne property.
Your specific Cheyenne rate depends on credit score, loan amount, property type (single-family vs multi-unit vs condo), loan-to-value, and loan purpose. A 780 FICO buyer at 80% LTV will price materially better than a 680 FICO buyer at 95% LTV. To see your exact rate across the full Wyoming lender network, use the Rate Direct pricer.
Cheyenne buyers also have access to FHA, VA, and USDA programs with lower down payments and more flexible credit guidelines. For down payment assistance specific to Wyoming, see the Wyoming DPA guide.
Get your personalized Cheyenne mortgage rate
The rates above are the market benchmark for Cheyenne. Your actual rate depends on your scenario.