How much house can I afford on $80,000 in Utah?
About $296,000 with 20% down ($234,000 with an FHA loan), using Utah's 0.5% property tax rate.
That is $236,696 less than the typical Utah home ($532,920), so on $80,000 you'd look at cheaper areas or a smaller home. The payment of $1,867 covers $1,594 principal and interest, $124 property tax and $148 insurance.
Counties in Utah you can afford on $80,000
2 of 28 counties have a typical home value at or below $296,000:
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Carbon County | $279,151 | +2.2% | 0.61% |
| Garfield County | $251,435 | +3.1% | 0.35% |
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 $80,000 in Utah?
About $296,000 with 20% down at 7.11%, keeping the payment (with Utah's 0.5% property tax and insurance) under $1,867 a month.
Is $80,000 enough to buy a house in Utah?
Not the typical home: the typical Utah home is worth $532,920 (Zillow, September 2026) and $80,000 supports about $296,000. 2 of 28 counties are within budget.