North Carolina vs Wyoming: Mortgage & Housing Costs
Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between North Carolina and Wyoming. Updated for 2026.
Metric
North Carolina
Wyoming
Median Home Price
$340K
$340K
Property Tax Rate
0.78%
0.61%
Avg Closing Costs
$5K
$4K
Closing Cost %
1.4%
1.1%
Transfer Tax
0.2%
None
Homeowners Insurance
$2,300/yr
$1,800/yr
First-Time Buyer Program
NC Home Advantage Mortgage
Up to 5% DPA
WCDA Spruce Up Wyoming
Below-market rate loans
Verdict
Wyoming wins 5 of 6 cost categories, making it the more affordable state for homebuyers overall. With a median home price of $340K and lower overall costs, Wyoming offers meaningful savings compared to North Carolina. Both states offer first-time buyer programs — explore the state pages for full details.