What is the average home price in Utah?
Around $500,000 in 2026.
Utah Mortgage Calculator 2026
Utah has seen rapid home price growth with averages around $500,000 in 2026, driven by tech sector growth in Salt Lake City. Use this calculator to estimate your monthly payment.
Current Rates (Freddie Mac PMMS)
30-Year Fixed: 15-Year Fixed: Rates verified Oct 21, 2026
Adjust values — results update instantly.
State: Utah (median-style home price, tax, and insurance pre-filled — edit as needed)
Illustrative property tax and insurance — county rates and Wasatch Front premiums vary. Not a loan offer.
Dollar amount. PMI applies when under 20% of home price.
PMI is estimated at 0.5% of the loan amount per year when your down payment is below 20% of the purchase price.
Total monthly payment
$2,953
Principal & interest
$2,594Property tax
$242Home insurance
$117Loan amount$400,000
Down payment$100,000 (20.0%)
Total interest (life)$533,981
Total cost$933,981
Frequently Asked Questions
Does Utah have a transfer tax?
No state transfer tax.
What is Utah state income tax?
Flat 4.55% rate.
How much do I need to earn to afford a home in Utah?
Approximately $95,000–$105,000 annually for the average UT home.
Related calculators
Educational estimates only. Not a lender pre-approval.