Income needed to buy a home
Niobrara County, WY
$59,909
a year in household income to buy the typical Niobrara County home with 10% down.
The monthly math
Typical home value$190,909
Down payment (10%)$19,091
Loan$171,818
Principal and interest (7.40%)$1,190/mo
Property tax (0.26% a year)$41/mo
Homeowners insurance (estimate)$95/mo
Mortgage insurance$72/mo
Total monthly cost$1,398/mo
Income needed keeps housing at 28% of gross income, the lender rule of thumb.
What locals earn
Right at the edge
The typical household here earns $64,113 a year, 7% more than it takes.
In Wyoming
Niobrara County ranks #1 of 23 for the income a home takes, from least to most.
Easiest to afford in Wyoming
| County | Typical home | Income needed |
|---|---|---|
| Carbon County | $217,439 | $70,463 |
| Hot Springs County | $248,958 | $81,309 |
| Goshen County | $251,970 | $82,032 |
| Weston County | $251,257 | $82,167 |
| Platte County | $278,336 | $89,224 |
Typical home value from the Zillow Home Value Index, August 2026. Rate is the Freddie Mac 30-year average for Oct 8, 2026. Property tax rate is total taxes paid divided by total home value in the county (U.S. Census, ACS 2020-2024). How it works.