State data
Utah Mortgage Calculator
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Estimated monthly payment
$0/month
& interest
- Principal & interest$0
- Property tax$0
- Home insurance$0
- HOA dues$0
- Mortgage insurance (PMI)$0
- Total interest over the loan
- $0
- Paid off
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| Term | Monthly | Total interest |
|---|
Same price, down payment and rate. Real rates are usually lower for shorter terms.
Loan balance over time
| Year | Principal | Interest | Balance |
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Monthly payment
$0 /mo
Typical monthly cost of the median home in Utah
Principal and interest
$2,679
$391,520 loan at 7.28%, 30 years
Property tax
$212
0.52% of $489,400 a year
Together
$2,891
before insurance, HOA and PMI
That is about 36% of the median household income in Utah ($95,166 a year), before insurance and other costs.
Counties in Utah
Property tax rates and home values differ by county. Payment is principal, interest and property tax on the median home.
| County | Median home | Tax rate | Payment |
|---|---|---|---|
| Salt Lake County | $525,700 | 0.53% | $3,110 |
| Utah County | $538,700 | 0.44% | $3,146 |
| Davis County | $505,500 | 0.52% | $2,986 |
| Weber County | $426,700 | 0.59% | $2,545 |
| Washington County | $510,700 | 0.41% | $2,970 |
| Cache County | $444,400 | 0.45% | $2,599 |
| Tooele County | $431,600 | 0.58% | $2,571 |
| Iron County | $379,000 | 0.41% | $2,204 |
| Box Elder County | $403,600 | 0.49% | $2,374 |
| Summit County | $1,067,700 | 0.33% | $6,138 |
| Uintah County | $298,600 | 0.52% | $1,764 |
| Wasatch County | $787,300 | 0.46% | $4,611 |
High-cost counties with higher loan limits
Most Utah counties use the $832,750 one-unit conforming limit. These counties have a higher limit:
- Summit County$1,150,000
- Wasatch County$1,150,000
- Grand County$839,500
- Wayne County$997,050
Frequently asked questions
What is the property tax rate in Utah?
Using Census Bureau medians, homeowners with a mortgage in Utah pay about $2,522 a year in property tax on a median home value of $489,400, an effective rate of 0.52%. That ranks 45 of 51 (the states and DC, highest first) and is below the U.S. median of 1.05%. Rates vary by county and city, and your bill depends on the assessed value and any exemptions.
How much is the monthly payment on a median-priced home in Utah?
On a $489,400 home with 20% down and a 30-year loan at 7.28% (the Freddie Mac weekly average), principal and interest is about $2,679 a month and property tax about $212, so roughly $2,891 before homeowners insurance, HOA dues and mortgage insurance.
What is the conforming loan limit in Utah?
Most counties in Utah have a one-unit conforming loan limit of $832,750, set by the Federal Housing Finance Agency. Higher limits apply in high-cost counties such as Summit County ($1,150,000), Wasatch County ($1,150,000), Grand County ($839,500). Loans above the limit are jumbo loans, which can have different rates and down payment rules.
Where do these numbers come from?
Home values, property taxes and incomes are U.S. Census Bureau American Community Survey 5-year medians. Loan limits come from the Federal Housing Finance Agency and rates from Freddie Mac. The methodology page lists each source and when it was retrieved.
Data and method. Home values, property taxes and incomes: U.S. Census Bureau, ACS 2024 5-year (2020-2024) (medians, with sampling error; property tax is for owners with a mortgage). Loan limits: FHFA. Rates: Freddie Mac weekly average as of October 1, 2026. Retrieved October 1, 2026. Payment figures assume 20% down, a 30-year fixed loan, and exclude insurance, HOA dues and mortgage insurance. Estimates only; see the methodology.