Calculate your monthly mortgage payment in Utah. Pre-filled with Utah's median home price of $510,000 and an average property tax rate of 0.58%.
Est. Monthly Payment
$3,449
Principal & Interest
$2,989
Property Tax / mo
$247
Total Interest Paid
$617,141
| Home Price | $510,000 | Median home price in Utah (2025) |
| Down Payment | 10% ($51,000) | Typical down payment percentage |
| Loan Amount | $459,000 | Home price minus down payment |
| Interest Rate | 6.79% | Approximate 30-year fixed rate (2025 avg) |
| Loan Term | 30 years | Most common mortgage term |
| Property Tax | 0.58% / year | Utah average effective rate |
| Home Insurance | 0.5% / year | Approximate annual premium |
Utah Housing FirstHome Loan, Score Loan, NoMI Loan
Cost of living: High · Population: 3,271,616
Utah has a median home price of approximately $510,000, placing it above the national median. With a 10% down payment of $51,000, a typical buyer would finance $459,000 over 30 years. At a 6.79% fixed rate, the monthly principal and interest payment comes to $2,989.
Property taxes in Utah average 0.58% of the assessed home value annually — one of the lower rates in the country. Combined with an estimated $213 for homeowners insurance, your all-in monthly housing cost is approximately $3,449.
Using the 28% housing cost guideline, you would need a gross annual income of approximately $147,826 to qualify comfortably. The median household income in Utah is $74,197.
