Utah Mortgage Calculator 2026
Utah experienced one of the most dramatic housing booms in the nation during 2020–2022, driven by tech sector growth (the 'Silicon Slopes'), in-migration from California, and a young, growing population. The market has since cooled from its peak. Utah's very low property tax rate (0.58%) partially offsets the high purchase prices.
Calculate Your Utah Mortgage Payment
Pre-filled with Utah averages — adjust any value to match your situation.
= $100,000 down
Estimated Monthly Payment Breakdown
Based on $500,000 home price, 20% down, 30-year fixed at 7.25%.
Utah Property Taxes & Income Tax
Utah's 0.58% property tax rate is one of the lowest in the nation. On a $500,000 home, expect ~$242/month in taxes. Utah's income tax is a flat 4.65%. The combination of low property taxes and a moderate flat income tax makes Utah's overall tax burden quite favorable.
Utah Homeowners Insurance
Utah faces wildfire risk, particularly in the Wasatch Front foothills and rural areas. The state also faces earthquake risk from the Wasatch Fault. Standard insurance averages $900–$1,400/year. Budget $75–$120/month.
Utah Housing Market Overview
The Wasatch Front (Salt Lake City, Provo, Ogden) is the center of Utah's housing market, driven by the 'Silicon Slopes' tech corridor (Adobe, Qualtrics, Domo, and numerous startups). The market has cooled from its 2022 peak with more inventory. Park City is a premium ski resort market. St. George in southern Utah has seen strong growth driven by retirees and remote workers.
Frequently Asked Questions
What is the average mortgage payment in Utah?
Based on Utah's median home price of $500,000, a 20% down payment, and a 30-year fixed rate of 7.25%, the estimated total monthly payment (PITI) is approximately $3,070/month.
What is the conforming loan limit in Utah?
The conforming loan limit in Utah is $766,550. Loans above this amount are jumbo loans requiring stronger credit and larger down payments.
Can I get a USDA loan in Utah?
Yes — Utah has USDA-eligible rural areas where qualifying buyers can purchase a home with zero down payment. Use the USDA eligibility map to check specific addresses.
Are VA loans available in Utah?
Yes — eligible veterans, active-duty service members, and surviving spouses can use VA loans in Utah with no down payment and no PMI. The VA loan limit in Utah is $766,550.
Utah Loan Limits
Utah Homebuyer Programs
Below-market interest rate mortgages with optional down payment assistance for qualifying first-time homebuyers in Utah.
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