Total monthly cost of ownership
Cost to Own a Home in Pine Bluffs, Wyoming
A $306,000 home here costs
$2,273per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,573. The real number is $700 higher every month — 45% 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.
Pine Bluffs against Laramie County and Wyoming
| Measure | Pine Bluffs | Laramie County |
|---|---|---|
| Median home value | $306,200 | $324,900 |
| Median property tax | $1,599 | $1,893 |
| Effective tax rate | 0.522% | 0.583% |
| Median gross rent | $697 | $1,080 |
| Population | 1,260 | 100,661 |
The weather behind that power bill
Pine Bluffs sits in Laramie County, which averages a high of 84.1°F in its hottest month and a low of 18.1°F in its coldest, with 15.41" of precipitation a year and 44% of it in a single three-month stretch. That climate drives 399 cooling and 6,959 heating degree days, which is what sets the $133 electricity line above.
See the full climate breakdown for Laramie County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Laramie County
Full Laramie County cost breakdown · Every county in Wyoming
Common questions
How much does it cost to own a home in Pine Bluffs?
A $306,000 home in Pine Bluffs, Wyoming costs approximately $2,273 per month with 20% down at 6.66%. That is $1,573 principal and interest, $133 property tax, $111 homeowners insurance, $201 utilities and $255 set aside for maintenance.
What is the property tax rate in Pine Bluffs?
Pine Bluffs has an effective property tax rate of 0.522%, based on a median home value of $306,200 and median real estate taxes of $1,599. That is lower than the Laramie County average of 0.583%.
What is the average home price in Pine Bluffs?
The median owner-occupied home value in Pine Bluffs, Wyoming is $306,200, against $324,900 across Laramie County.
Is it cheaper to rent or buy in Pine Bluffs?
Median gross rent in Pine Bluffs is $697 a month, against $2,273 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 Pine Bluffs — 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.