Utah home prices and mortgage costs
Typical home value $532,920 · +1.2% in a year · property tax 0.5%
Utah ranks 7th most expensive of 51 states and D.C. Home values changed +1.2% over the past year and +12.5% over five years. Buying the typical home with 20% down costs about $3,358 a month at 7.11%, which needs a household income of about $143,900.
Cost of the typical Utah home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $106,584 | $426,336 | $2,868 | $0 | $490 | $3,358 | $143,900 |
| 10% down | $53,292 | $479,628 | $3,226 | $200 | $490 | $3,917 | $167,900 |
| 5% down | $26,646 | $506,274 | $3,406 | $211 | $490 | $4,107 | $176,000 |
| 3.5% down (FHA) | $18,652 | $523,268 | $3,520 | $236 | $490 | $4,246 | $182,000 |
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.
Check a specific budget: how much house you can afford in Utah by salary · payment on a $550K home in Utah
Home prices by county in Utah
| County | Typical home | 1-yr change | Tax rate | Payment / month | Income needed |
|---|---|---|---|---|---|
| Summit County | $1,334,757 | +5.6% | 0.35% | $8,236 | $353,000 |
| Wasatch County | $942,914 | +2.2% | 0.46% | $5,908 | $253,200 |
| Morgan County | $737,920 | +2.4% | 0.52% | $4,660 | $199,700 |
| Rich County | $578,199 | +2.5% | 0.26% | $3,524 | $151,000 |
| Grand County | $568,599 | -1.8% | 0.41% | $3,539 | $151,700 |
| Salt Lake County | $567,330 | +1.2% | 0.54% | $3,592 | $153,900 |
| Davis County | $553,103 | +2.3% | 0.53% | $3,496 | $149,800 |
| Utah County | $540,291 | +1.4% | 0.44% | $3,376 | $144,700 |
| Washington County | $524,987 | -0.6% | 0.42% | $3,273 | $140,300 |
| Tooele County | $475,828 | -0.3% | 0.57% | $3,025 | $129,600 |
| Cache County | $470,352 | +3.0% | 0.45% | $2,944 | $126,200 |
| Weber County | $454,063 | +0.3% | 0.6% | $2,897 | $124,200 |
| Juab County | $451,055 | +3.3% | 0.45% | $2,822 | $120,900 |
| Wayne County | $446,206 | +1.9% | 0.34% | $2,750 | $117,900 |
| Box Elder County | $445,062 | +1.2% | 0.49% | $2,798 | $119,900 |
| Kane County | $423,630 | +3.3% | 0.4% | $2,632 | $112,800 |
| Iron County | $409,337 | +2.4% | 0.41% | $2,548 | $109,200 |
| Sanpete County | $383,940 | +7.2% | 0.47% | $2,407 | $103,200 |
| Duchesne County | $371,261 | +5.0% | 0.61% | $2,374 | $101,700 |
| Daggett County | $366,031 | +5.0% | 0.46% | $2,294 | $98,300 |
| Uintah County | $356,398 | +4.4% | 0.51% | $2,248 | $96,300 |
| San Juan County | $355,310 | +3.3% | 0.8% | $2,326 | $99,700 |
| Millard County | $338,042 | +2.0% | 0.51% | $2,132 | $91,400 |
| Sevier County | $337,039 | +3.8% | 0.54% | $2,134 | $91,500 |
| Beaver County | $312,630 | +5.5% | 0.4% | $1,944 | $83,300 |
| Emery County | $296,446 | +4.6% | 0.62% | $1,896 | $81,300 |
| Carbon County | $279,151 | +2.2% | 0.61% | $1,784 | $76,400 |
| Garfield County | $251,435 | +3.1% | 0.35% | $1,553 | $66,600 |
Metro areas in Utah
Frequently asked questions
What is the average home price in Utah?
The typical home in Utah is worth $532,920 according to the Zillow Home Value Index for September 2026.
How much income do you need to buy a house in Utah?
About $143,900 a year to buy the typical $532,920 home with 20% down at 7.11%, keeping housing under 28% of income.
What is the property tax rate in Utah?
The typical effective rate is 0.5% of the home's value a year (median taxes paid divided by median home value, Census ACS 2025).