Cedar City, UT home prices
Typical home $409,512 · +2.4% in a year · income needed $109,200
The Cedar City, UT metro area ranks 140 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +2.4% in a year and +17.2% over five years. With 20% down at 7.11%, the typical home costs about $2,549 a month including 0.41% property tax (Iron County rate).
Mortgage on the typical Cedar City home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $81,902 | $327,610 | $2,204 | $0 | $345 | $2,549 | $109,200 |
| 10% down | $40,951 | $368,561 | $2,479 | $154 | $345 | $2,978 | $127,600 |
| 5% down | $20,476 | $389,037 | $2,617 | $162 | $345 | $3,124 | $133,900 |
| 3.5% down (FHA) | $14,333 | $402,095 | $2,705 | $181 | $345 | $3,231 | $138,500 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.41% 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.
Counties in the Cedar City area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Iron County, UT | $409,337 | +2.4% | 0.41% |
What can you afford in Utah on your salary? · Utah home prices · Salaries in Utah
Frequently asked questions
How much is a house in Cedar City?
The typical home in the Cedar City, UT metro area is worth $409,512 (Zillow, September 2026).
What salary do you need to buy a house in Cedar City?
About $109,200 a year for the typical home with 20% down at 7.11%.