Total monthly cost of ownership
Cost to Own a Home in Pine Bluffs, Wyoming
A $306,000 home here costs
$2,386per month, all in, with 20% down at today's 7.40% 30-year fixed rate. By the 28% rule that takes a household income of about $102,500 a year.
A standard mortgage calculator would have told you $1,695. The real number is $691 higher every month, 41% more than the payment most buyers budget for.
Compare Laramie County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Pine Bluffs from a five-year rolling sample, and with about 1,260 residents that sample is small. The median home value here carries a much wider margin of error than a big-city figure does, so treat it as indicative rather than exact. The Laramie County figures are drawn from a far larger sample if you want a steadier number.
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 $124 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
Talk to someone who works this market
These are Pine Bluffs averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works Pine Bluffs every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Pine Bluffs I already own here and may sell
Common questions
How much does it cost to own a home in Pine Bluffs?
A $306,000 home in Pine Bluffs, Wyoming costs approximately $2,386 per month with 20% down at 7.4%. That is $1,695 principal and interest, $133 property tax, $111 homeowners insurance, $192 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 $2,386 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Pine Bluffs?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Pine Bluffs, Wyoming at today's rate takes a household income of roughly $102,500 a year. That covers the full $2,386 monthly cost, not just the mortgage payment.
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.