Side-by-side comparison of home prices, mortgage payments, and housing costs between Jackson and Rock Springs, Wyoming. Using Wyoming's 0.61% property tax rate and $1,800/year insurance. Updated for 2026.
Rock Springs is significantly more affordable than Jackson, with homes priced 81% lower on average. That translates to $6,671/month in savings on your total housing payment. For budget-conscious buyers in Wyoming, Rock Springs offers a much more accessible path to homeownership.
Estimated PITI payments assuming 10% down, 6.5% rate, 30-year fixed mortgage with PMI. Uses Wyoming's 0.61% property tax rate.
Buying in Rock Springs saves you approximately $6,671/month ($80,052/year) compared to Jackson, based on median home prices with identical loan terms.
Rock Springs is the better choice for first-time buyers, with a median price of $235K versus $1.3M in Jackson. That's $1.0M less to save for a down payment. You'd need roughly $8K for an FHA 3.5% down payment in Rock Springs, compared to $44K in Jackson. Wyoming offers the WCDA Spruce Up Wyoming program (Below-market rate loans) which applies in both cities.
Rock Springs has the better price-to-rent ratio at 20.6x versus 36.5x in Jackson. A lower ratio generally signals better rental income relative to purchase price. Average rent in Rock Springs is $950/month on a $235K median home, making it a stronger candidate for buy-and-rent investors.
Rock Springs (pop. 23,036) offers more amenities, schools, and services typical of a larger city, while Jackson (pop. 10,729) may offer a quieter, more community-oriented lifestyle. Rock Springs offers both more options and lower housing costs, making it attractive for families who want urban amenities without a premium price.