HELOC education and calculatorsLicensing and disclosures
HELOCFacts
Contact
Menu

HELOCs in Wyoming: State Costs, Signing Rules and How Much You Could Borrow

Most HELOC rules are federal, but Wyoming adds its own costs and signing requirements. Here's what's specific to Wyoming, with sources, plus the borrowing math at the state's median home value.

Reviewed by Tyler Huntington, licensed mortgage loan originator, NMLS #181638Updated · 3 minute read
On this page 8 sections
  1. In short
  2. How much you could borrow in Wyoming
  3. Wyoming recording costs on a HELOC
  4. Who has to sign
  5. Federal rules that apply in every state
  6. Getting a HELOC in Wyoming
  7. Sources
  8. Frequently asked questions

In short

  • Borrowing: at Wyoming's median home value, a hypothetical line is about $101,600 (math below).
  • State tax: none found. County recording fees are small ($12 for the first page in Laramie County).
  • Signing: owner and spouse must both sign a homestead mortgage, with a homestead waiver.

How much you could borrow in Wyoming

A HELOC limit starts with your home's value, the share of it a program will lend against in total, and what you already owe. Here's the math using Wyoming's median owner-occupied home value from the U.S. Census Bureau's American Community Survey (2024).

Home value × maximum CLTV − mortgage balance = largest possible lineHypothetical: $339,500 × 80% − $170,000 owed (about half the value) = $101,600

Hypothetical math, not a quote. The 80% combined loan-to-value (CLTV) is an assumption; the maximum depends on the program, your credit and the property, and income and debts can lower the line further. Run your own numbers in the HELOC calculator.

Wyoming recording costs on a HELOC

We found no Wyoming tax on recording a mortgage. County clerks charge recording fees; Laramie County, for example, charges $12 for the first page and $3 for each additional page. Lender fees and other third-party costs are separate.

Who has to sign

A mortgage on a Wyoming homestead must include a homestead-waiver clause and be signed and acknowledged by both the owner and the owner's spouse (W.S. 34-2-121). So if you're married, your spouse signs the HELOC on your home even if only you own it. Wyoming is not a community property state.

Federal rules that apply in every state

  • You get a three-business-day right to cancel a HELOC on your principal home. See where to find your terms.
  • A variable-rate HELOC can change only with a public index outside the lender's control, and it must have a lifetime rate cap. See how HELOC rates are set.
  • Your lender must give you HELOC disclosures and the CFPB's HELOC booklet when you apply.

Getting a HELOC in Wyoming

Tyler Huntington is licensed in Wyoming and works with homeowners statewide, including the Cheyenne and Casper areas. Compare the line amount, the margin, the caps, the draw and repayment periods and the total fees, including any Wyoming recording costs above. Start with what lenders check.

Sources

Frequently asked questions

How much can I borrow with a HELOC in Wyoming?

It depends on your home's value, what you owe and the program's maximum combined loan-to-value. At Wyoming's median owner-occupied value of $339,500 (2024 Census estimate), an 80% CLTV and $170,000 owed, the line would be about $101,600. That's hypothetical math, not a quote.

Is there a mortgage tax on a HELOC in Wyoming?

We found none. County clerks charge recording fees, such as $12 for the first page in Laramie County. Lender and other third-party fees are separate.

Does my spouse have to sign a HELOC in Wyoming?

Yes, if it's your homestead. W.S. 34-2-121 requires the owner and the owner's spouse to sign and acknowledge a mortgage on the homestead, including a homestead-waiver clause.

Is Tyler Huntington licensed in Wyoming?

Yes. Tyler Huntington (NMLS #181638) is licensed in Wyoming. You can verify any loan officer's licensing at NMLS Consumer Access.

See how much you could borrow against your home.Open the HELOC calculator

Questions about your own situation? Contact a licensed loan officer. It's optional, and your information is not sold to lead marketplaces.