Total monthly cost of ownership
Cost to Own a Home in Kemmerer, Wyoming
A $173,000 home here costs
$1,382per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $889. The real number is $493 higher every month — 55% more than the payment most buyers budget for.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Kemmerer against Lincoln County and Wyoming
| Measure | Kemmerer | Lincoln County |
|---|---|---|
| Median home value | $173,100 | $334,500 |
| Median property tax | $1,018 | $1,458 |
| Effective tax rate | 0.588% | 0.436% |
| Median gross rent | $739 | $868 |
| Population | 2,788 | 20,158 |
The weather behind that power bill
Kemmerer sits in Lincoln County, which averages a high of 81.9°F in its hottest month and a low of -3.3°F in its coldest, with 7.66" of precipitation a year and 41% of it in a single three-month stretch. That climate drives 31 cooling and 10,404 heating degree days, which is what sets the $133 electricity line above.
See the full climate breakdown for Lincoln County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Lincoln County
Full Lincoln County cost breakdown · Every county in Wyoming
Common questions
How much does it cost to own a home in Kemmerer?
A $173,000 home in Kemmerer, Wyoming costs approximately $1,382 per month with 20% down at 6.66%. That is $889 principal and interest, $85 property tax, $63 homeowners insurance, $201 utilities and $144 set aside for maintenance.
What is the property tax rate in Kemmerer?
Kemmerer has an effective property tax rate of 0.588%, based on a median home value of $173,100 and median real estate taxes of $1,018. That is higher than the Lincoln County average of 0.436%.
What is the average home price in Kemmerer?
The median owner-occupied home value in Kemmerer, Wyoming is $173,100, against $334,500 across Lincoln County.
Is it cheaper to rent or buy in Kemmerer?
Median gross rent in Kemmerer is $739 a month, against $1,382 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Kemmerer — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for Wyoming.
- Electricity price — EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate — Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.