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Foreclosure and tax sales in Wyoming

What our research shows about Wyoming's rules. General information with sources — not legal advice, and not a reading of your papers.

BasicThe essentials, each with its source. General deadlines only.Research last reviewed 2026-09-22

Your state

How foreclosure works

Usual process: Nonjudicial (out of court)
From a reputable summary[1][2]
Allowed processes: Judicial (through court) · Nonjudicial (out of court)
From a reputable summary[1]
Main statutes: Wyo. Stat. § 34-4-103; Wyo. Stat. § 34-4-104; Wyo. Stat. § 1-18-103; Wyo. Stat. § 34-4-113
From a reputable summary[1]
Typical length (estimate): Not researched yet for this state.

+At least 120 days
Federal rule: the servicer generally cannot make the first foreclosure notice or filing until you are more than 120 days behind
Applies to most home loans in every state. A complete loss-mitigation application sent more than 37 days before a sale also triggers federal protections.
Checked against the official text12 CFR § 1024.41(f)(1)
+At least 10 days
Notice of default / right to cure — at least 10 days before the next step
At least ten days before the notice of sale is first published, the lender mails a notice of intent to foreclose to you and the occupant.
From a reputable summary
Notice of sale — at least 28 days before the sale
Published once a week for four consecutive weeks before the sale, with a certified-mail copy before the first publication.
From a reputable summary
+At least 28 days
Foreclosure sale
From a reputable summary
+At least 90 days
Redemption window (at least 90 days in the shortest common case)
Three months after the sale (twelve months for agricultural property).
From a reputable summary

A general sequence built from the rules above. "At least" periods are the shortest we found; your case can take longer.

Notice before foreclosure: At least 10 daysAt least ten days before the notice of sale is first published, the lender mails a notice of intent to foreclose to you and the occupant.
Wyo. Stat. § 34-4-103
From a reputable summary[1]
Notice of sale: At least 28 daysPublished once a week for four consecutive weeks before the sale, with a certified-mail copy before the first publication.
Wyo. Stat. § 34-4-104
From a reputable summary[1]
Publication: Newspaper once a week for four consecutive weeks.
From a reputable summary[1]
When sales happen: Not researched yet for this state.

Catching up (reinstatement): No statutory reinstatement right.
From a reputable summary[2]
Buying the home back (redemption): YesThree months after the sale (twelve months for agricultural property).
Wyo. Stat. § 1-18-103
From a reputable summary[1][2]
Owing money after the sale (deficiency): YesBy lawsuit after the sale.
Wyo. Stat. §§ 34-4-113, 1-18-113
From a reputable summary[1][2]
Mediation: Not researched yet for this state.

Tax sale system: Tax lien certificate sale
The county treasurer sells the tax lien; the buyer (or the county) gets a certificate of purchase.
From a reputable summary[3]
How it works: Notice is published three weeks before the lien sale (or posted 30 days before where there is no newspaper).
From a reputable summary[3]
Redeeming after a tax sale: Four years after the sale, and until a tax deed application is accepted (or a foreclosure sale is confirmed); an occupant gets certified notice at least three months before the application.
Wyo. Stat. §§ 39-13-108, 39-13-109
From a reputable summary[3]
Relief programs: Not researched yet for this state.
Payment plans: Not researched yet for this state.
Surplus after a tax sale: Not researched yet for this state.

Federal exemption list: State list only (opted out)
This state has opted out: in bankruptcy you use the state exemption list (plus federal non-bankruptcy exemptions), not the federal § 522(d) list.
From a reputable summary[4]
Homestead exemption: $100,000 ($200,000 joint owner-occupants)$100,000; $200,000 for two or more joint owner-occupants.(Wyo. Stat. § 1-20-101)
From a reputable summary[5]

Free legal aid (LSC-funded): Legal Aid of Wyoming, Inc.
Checked against the official text[7]
Legal help website: Legal Aid of Wyoming
Checked against the official text[8]
State housing agency: Wyoming Community Development Authority
Checked against the official text[6]
Attorney general / consumer protection: Wyoming Attorney General — Consumer Protection
Checked against the official text[9]
Court self-help: Wyoming Judicial Branch — Self-Help
Checked against the official text[10]
HUD-approved housing counselors: HUD-approved housing counseling agencies — Free or low-cost, HUD-approved housing counselors in every state. Call or search by ZIP code.

Retrieved 2026-09-22. Official texts are marked “official”; summaries are marked “summary”.