How much house can I afford on $70,000 in Utah?
About $259,000 with 20% down ($205,000 with an FHA loan), using Utah's 0.5% property tax rate.
That is $273,724 less than the typical Utah home ($532,920), so on $70,000 you'd look at cheaper areas or a smaller home. The payment of $1,633 covers $1,395 principal and interest, $109 property tax and $130 insurance.
Counties in Utah you can afford on $70,000
1 of 28 counties have a typical home value at or below $259,000:
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Garfield County | $251,435 | +3.1% | 0.35% |
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 $70,000 in Utah?
About $259,000 with 20% down at 7.11%, keeping the payment (with Utah's 0.5% property tax and insurance) under $1,633 a month.
Is $70,000 enough to buy a house in Utah?
Not the typical home: the typical Utah home is worth $532,920 (Zillow, September 2026) and $70,000 supports about $259,000. 1 of 28 counties are within budget.