Vernal, UT home prices
Typical home $356,399 · +4.4% in a year · income needed $96,300
The Vernal, UT metro area ranks 212 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +4.4% in a year and +44.6% over five years. With 20% down at 7.11%, the typical home costs about $2,248 a month including 0.51% property tax (Uintah County rate).
Mortgage on the typical Vernal home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $71,280 | $285,119 | $1,918 | $0 | $330 | $2,248 | $96,300 |
| 10% down | $35,640 | $320,759 | $2,158 | $134 | $330 | $2,621 | $112,300 |
| 5% down | $17,820 | $338,579 | $2,278 | $141 | $330 | $2,748 | $117,800 |
| 3.5% down (FHA) | $12,474 | $349,943 | $2,354 | $158 | $330 | $2,841 | $121,800 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.51% 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 Vernal area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Uintah County, UT | $356,398 | +4.4% | 0.51% |
What can you afford in Utah on your salary? · Utah home prices · Salaries in Utah
Frequently asked questions
How much is a house in Vernal?
The typical home in the Vernal, UT metro area is worth $356,399 (Zillow, September 2026).
What salary do you need to buy a house in Vernal?
About $96,300 a year for the typical home with 20% down at 7.11%.