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City · 8,087 residents · Chisago County, Minnesota

Wyoming , Minnesota

In Wyoming, a typical home is worth $365,700 and typical rent is $1,166 a month. Compared with all of Chisago County, typical household income is 8% higher.

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  • Typical home value

    $365,700

    4% above the county

    11% above Minnesota

    • Wyoming
    • Chisago
    • Minnesota

  • Typical rent

    $1,166a month

    About the same as the county

    9% below Minnesota

    • Wyoming
    • Chisago
    • Minnesota

  • Typical household income

    $107,565a year

    8% above the county

    21% above Minnesota

    • Wyoming
    • Chisago
    • Minnesota

  • Households that own their home

    87%

    1 points above the county

    15 points above Minnesota

    • Wyoming
    • Chisago
    • Minnesota

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$394,308
2.2% more than 12 months ago

From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).

Wyoming is in Chisago County. The FHA loan limit ($552,000 for a one-unit home), the fair market rents and the help on this page are those of all of Chisago County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Wyoming apart

What this place has that others do not, from public data, most unusual first.

  1. Wyoming has the 5th smallest share of rent-burdened renters of the 139 cities in Minnesota with more than 5,000 people (34%).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Wyoming

What homes there are in Wyoming, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

As in Chisago County, most homes in Wyoming are detached houses (81%).

Year built

By age, homes in Wyoming look like those in Chisago County: the typical year built is 1993.

There is more room for a big family here: 83% of homes have 3 bedrooms or more, against 76% in Chisago County.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$2,006 a month

Chisago County: $1,992 a month

Without a mortgage

$752 a month

Chisago County: $727 a month

Owners with a mortgage

65%

Chisago County: 68%

Owning costs about the same in Wyoming as in Chisago County: with a mortgage, $2,006 a month; without one, $752.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

The typical home value in Wyoming rose 51% since 2015–2019, about the same as in Chisago County (52%).

Rent in Wyoming moved so little since 2015–2019 that the Census cannot say whether it rose or fell.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureWyomingChisago CountyMinnesotaUnited States
Rental vacancy Unreliable estimateUnreliable estimate5.3%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.6%0.9%
More than one person per room Unreliable estimate1.1%2.3%3.4%
People per household 2.782.632.432.53
Drive alone 70%75%69%69%
Carpool 9%8%8%9%
Public transit Unreliable estimateUnreliable estimate2%3%
Walk or bike Unreliable estimate1%3%3%
Work from home 19%14%18%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

More people live in each home here: 2.78 on average, against 2.63 in Chisago County.

Working from home is more common in Wyoming: 19%, against 14% in Chisago County.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Wyoming?

A typical home is tight for the typical income

We start with a typical home in Wyoming, worth $365,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 35% of the typical household income in Wyoming, which is $107,565 a year. For that payment to be 28% of income, a household would need to earn about $132,994 a year.

The calculator's FHA and conventional loan limits are those of all of Chisago County.

Your numbers

Local data
$

Starts at the typical home value in Wyoming. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $12,800 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$3,103

at 7.18% · 30 years

Loan amount
$359,076
Total interest
$516,626
Paid off in
November 2056

Includes $6,176 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,510 a month

  • Tight

    $2,510 to $3,227 a month

    Your payment · 35%

  • Hard

    more than $3,227 a month

Compared with the typical household income in Wyoming ($107,565 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,103
Principal & interest$2,433
Property tax$357
Home insurance$152
FHA mortgage insurance (MIP)$162

You need at least $12,800 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Wyoming and Chisago County

Wyoming is in Chisago County, Minnesota. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Wyoming's own numbers

Typical home value
$365,700
Typical monthly rent
$1,166
Typical yearly household income
$107,565
Households that own their home
87%
Effective property tax rate
1.17%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Chisago County

FHA limit, one-unit home
$552,000
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,734
Price change over 5 years (FHFA)
+40%
Homes in a high flood-risk zone
1%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Chisago County.

Everything about Chisago County

Buying

Buying a home in Wyoming

A typical home in Wyoming is worth $365,700: 4% above the county and 11% above Minnesota. With the typical household income in Wyoming ($107,565 a year), a typical home costs 3.4 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Wyoming 3.4 years
  • Chisago 3.5 years
  • Minnesota 3.7 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Chisago County

According to FHFA’s house price index, home prices in Chisago County rose 87% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Chisago County.

Period County Minnesota U.S.
Last year (2025) +2.3% +2.8% +2.9%
5 years (2020–2025) +40% +37% +47%
10 years (2015–2025) +87% +71% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Wyoming next to Chisago County, Minnesota and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Wyoming $365,700
  • Chisago $351,900
  • Minnesota $329,300
  • United States $332,700
Typical monthly rent
  • Wyoming $1,166
  • Chisago $1,186
  • Minnesota $1,280
  • United States $1,413
Typical yearly household income
  • Wyoming $107,565
  • Chisago $99,400
  • Minnesota $89,062
  • United States $80,734
See the full table
Wyoming next to Chisago County and Minnesota
Measure Wyoming Chisago County Minnesota U.S.
Typical home value $365,700 $351,900 $329,300 $332,700
Typical monthly rent $1,166 $1,186 $1,280 $1,413
Typical yearly household income $107,565 $99,400 $89,062 $80,734
Households that own their home 87% 86% 72% 65%
Typical yearly property tax $4,277 $3,780 $3,357 $3,119
Effective property tax rate 1.17% 1.07% 1.02% 0.94%
Renters with high rent for their income 34% 52% 48% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Chisago County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Wyoming

For a typical $365,700 home in Wyoming, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Wyoming's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,103a month

    Least cash to close
    Down payment
    $12,800
    Cash to close
    $23,771
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $162

  • Conventional, 5% down $3,036a month

    Down payment
    $18,285
    Cash to close
    $29,256
    Rate
    7.18%
    Mortgage insurance
    PMI · $174

  • Conventional, 20% down, no PMI $2,491a month

    Down payment
    $73,140
    Cash to close
    $84,111
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,829a month

    Down payment
    $54,855
    Cash to close
    $65,826
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Wyoming and for Chisago County.

Property tax

Effective rate in Wyoming

1.17%of the home’s value each year

$4,277 a year for the typical owner in Wyoming.

  • Wyoming 1.17%
  • Chisago 1.07%
  • Minnesota 1.02%

What Minnesota publishes Homestead market value exclusion (Minnesota Office of the Revisor of Statutes (Minnesota Statutes))

Exemptions and deadlines in Minnesota

Flood risk in Chisago County

FEMA does not publish these numbers by city: they are for all of Chisago County.

Homes in the high-risk zone
1%
260
Of those, with NFIP insurance
9.6%
County Minnesota U.S.
Homes in the high-risk zone 1% 0.7% 3.5%
Of those, with NFIP insurance 9.6% 17% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Wyoming

Typical rent in Wyoming is $1,166 a month: about the same as the county. In Wyoming, 34% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Chisago County, by unit size. To pay the 2-bedroom one ($1,734 a month) without spending more than 30% of your income, you would need to earn $33.35 an hour working full time.

HUD fair market rent for all of Chisago County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,265 $24.33 $50,600
1 bedroom $1,427 $27.44 $57,080
2 bedrooms $1,734 $33.35 $69,360
3 bedrooms $2,264 $43.54 $90,560
4 bedrooms $2,538 $48.81 $101,520

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Wyoming

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Wyoming has 2 ZIP codes with their own.

For 2 bedrooms it runs from $1,540 in 55092 to $1,720 in 55025.

None is above the fair market rent for Chisago County ($1,734).

  • 55025 $1,720$2,250
  • 55092 $1,540$2,040

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Wyoming when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Wyoming

HUD lists 3 buildings with rents for lower incomes in Wyoming. These are the largest.

  • Meadow View Apartments 5430 Meadow Ln, Wyoming 55092 32 low-income homes · For older adults (651) 464-6171
  • Wyoming Oakwood Townhomes I Multiple Building Addresses, Wyoming 55092 24 low-income homes · 2 bd: 24 · In service since 1998
  • Wyoming Oakwood Townhomes II Multiple Building Addresses, Wyoming 55092 24 low-income homes · 2 bd: 12 · 3 bd: 12 · In service since 2000

See all 14 buildings in Chisago County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Wyoming

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

We found no HUD-approved agencies with an office in Chisago County. The nearest ones are below; many serve by phone or online.

A young man and a young woman look something up together on a laptop.

HUD counseling is free or low-cost

Assistance programs in Wyoming

No down payment, repair or rent-help program on our list is for Wyoming or Chisago County. The ones below are statewide in Minnesota: they work in Wyoming the same as in the rest of the state.

Which programs do I qualify for? All programs in Minnesota

  • Deferred Payment Loan (Start Up)

    Statewide in Minnesota

    Minnesota state agency loan for the down payment and closing costs alongside the Start Up mortgage for first-time buyers: up to $14,000 (or $18,000 in the Plus version), with no interest or monthly payments, repaid at the end of the mortgage. Offered by Minnesota Housing (Minnesota Housing Finance Agency).

    Deferred

    See the program Official page

  • Monthly Payment Loan

    Statewide in Minnesota

    Minnesota Housing loan of up to $14,000 for the down payment and closing costs, which you repay over 15 years at the same rate as your Minnesota Housing mortgage; it works with Start Up (first-time buyers) or Step Up. Offered by Minnesota Housing (Minnesota Housing Finance Agency).

    Repayable

    See the program Official page

Housing counselors near Wyoming

The HUD-approved agencies closest to the center of Wyoming, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Anoka County Community Action Program, Inc

    1201 89th Ave NE Ste 345, Blaine · 19 miles away

    • Pre-purchase counseling
    • Homebuyer education workshops
    763-783-4747x4851

  • Navicore Solutions-Roseville, MN

    1700 Highway 36 W Ste 510, Roseville · 25 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (866) 472-4557

  • NSC (naca Counseling Subsidiary) - Minneapolis, MN

    6300 Shingle Creek Pkwy Ste 145, Brooklyn Center · 25 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (763) 656-6222

All counseling agencies in Minnesota

Help in Spanish near Wyoming

2 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Wyoming

In HUD’s record, no housing authority with an office in Chisago County is named for Wyoming or Chisago County.

One other authority has an office in Chisago County: see the list Source: HUD

Cities

Other cities in Chisago County

These cities are also in Chisago County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Chisago County Housing in Minnesota

Nearby cities

The cities closest to Wyoming, with the typical home value.

Neighboring counties

If Chisago County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Wyoming.

All guides
Two parents walk hand in hand with their little daughter.

Questions

Housing questions about Wyoming

Short answers with the numbers for Wyoming and all of Chisago County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Wyoming?

The typical home value in Wyoming is $365,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Chisago County it is $351,900.

How much does it cost to rent in Wyoming?

Typical rent in Wyoming is $1,166 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Chisago County is $1,734.

What is the FHA loan limit in Wyoming?

Wyoming uses the FHA limit for all of Chisago County (2026): $552,000 for a one-unit home and $1,061,550 for a four-unit home.

How much property tax do owners pay in Wyoming?

The typical homeowner in Wyoming pays $4,277 a year, according to the U.S. Census Bureau. That is 1.17% of the home’s value; in Chisago County, the rate is 1.07%.

Where can I find free help to buy or rent in Wyoming?

We found no HUD-approved counseling agencies with an office in Chisago County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).