How much house can I afford on $200,000 in Utah?
About $741,000 with 20% down ($586,000 with an FHA loan), using Utah's 0.5% property tax rate.
That is $207,640 more than the typical Utah home ($532,920), so a $200,000 salary can buy a typical home here. The payment of $4,667 covers $3,985 principal and interest, $311 property tax and $370 insurance.
Counties in Utah you can afford on $200,000
26 of 28 counties have a typical home value at or below $741,000. The 25 priciest of them:
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Morgan County | $737,920 | +2.4% | 0.52% |
| Rich County | $578,199 | +2.5% | 0.26% |
| Grand County | $568,599 | -1.8% | 0.41% |
| Salt Lake County | $567,330 | +1.2% | 0.54% |
| Davis County | $553,103 | +2.3% | 0.53% |
| Utah County | $540,291 | +1.4% | 0.44% |
| Washington County | $524,987 | -0.6% | 0.42% |
| Tooele County | $475,828 | -0.3% | 0.57% |
| Cache County | $470,352 | +3.0% | 0.45% |
| Weber County | $454,063 | +0.3% | 0.6% |
| Juab County | $451,055 | +3.3% | 0.45% |
| Wayne County | $446,206 | +1.9% | 0.34% |
| Box Elder County | $445,062 | +1.2% | 0.49% |
| Kane County | $423,630 | +3.3% | 0.4% |
| Iron County | $409,337 | +2.4% | 0.41% |
| Sanpete County | $383,940 | +7.2% | 0.47% |
| Duchesne County | $371,261 | +5.0% | 0.61% |
| Daggett County | $366,031 | +5.0% | 0.46% |
| Uintah County | $356,398 | +4.4% | 0.51% |
| San Juan County | $355,310 | +3.3% | 0.8% |
| Millard County | $338,042 | +2.0% | 0.51% |
| Sevier County | $337,039 | +3.8% | 0.54% |
| Beaver County | $312,630 | +5.5% | 0.4% |
| Emery County | $296,446 | +4.6% | 0.62% |
| Carbon County | $279,151 | +2.2% | 0.61% |
Affordable metro areas
Assumes a 30-year fixed loan at 7.11%, property tax of 0.5% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
Other salaries in Utah
Frequently asked questions
How much house can I afford on $200,000 in Utah?
About $741,000 with 20% down at 7.11%, keeping the payment (with Utah's 0.5% property tax and insurance) under $4,667 a month.
Is $200,000 enough to buy a house in Utah?
Yes: the typical Utah home is worth $532,920 (Zillow, September 2026) and $200,000 supports about $741,000. 26 of 28 counties are within budget.