Calculate Your Utah Mortgage Payment
Our calculator is pre-filled with Utah's median home price and property tax rate. Adjust the numbers to match your situation.
Open Calculator with UT DefaultsMonthly Payment Breakdown for Utah
Here's what your monthly payment looks like on the median Utah home ($541,692) with 20% down at 6.67%, the current average 30-year rate:
Note: This estimate assumes 20% down payment ($108,338), no PMI. With less than 20% down, add $181-$361/month for PMI.
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Utah Property Taxes
Utah's effective property tax rate is 0.47%, which is below the national average of 0.89%. See how property taxes are calculated and how they compare across states.
Annual Property Tax on $541,692 Home
$2,546
($212/month escrowed)
Buying a Home in Utah: Key Facts
- Property tax rate of 0.47% is well below national average
- Higher median price of $535,000 offset by low property taxes
- UHC Score offers up to $20,000 in forgivable assistance
- Wasatch Front corridor has majority of state's population
Mortgage Calculators for Nearby States
Comparing homes across state lines? Check property taxes and home prices in neighboring states:
Utah First-Time Homebuyer Programs
Utah has 38 homebuyer assistance programs that can help with down payment and closing costs.
UHC FirstHome Loan
Below-market rates for first-time buyers
Low-Interest MortgageUHC Score Program
Up to $20,000 forgivable over 3 years
Forgivable LoanUHC NoMI Loan
Conventional loan with no mortgage insurance
No PMI MortgageEligibility requirements typically include income limits, credit score minimums (usually 620+), and homebuyer education courses. Visit DownPaymentResource.com to search for programs you may qualify for.
Major Cities in Utah
Home prices and property taxes can vary significantly by city. The median home value of $541,692 is a statewide estimate.
Utah Mortgage FAQ
What is the property tax rate in Utah?
The average effective property tax rate in Utah is 0.47%. On a $541,692 home, that's approximately $2,546 per year or $212 per month added to your mortgage payment.
What is the median home value in Utah?
The median home value in Utah is $541,692 as of 2026-06-01. Prices vary by location - Salt Lake City and West Valley City typically have higher prices than rural areas.
Are there first-time homebuyer programs in Utah?
Yes, Utah has 38 homebuyer assistance programs. Popular options include UHC FirstHome Loan, which offers below-market rates for first-time buyers.
How much do I need to buy a house in Utah?
For the median Utah home ($541,692), you'd need $108,338 for a 20% down payment, plus $16,251-$27,085 for closing costs. With down payment assistance, you could potentially buy with as little as $18,959 (3.5% FHA down payment).
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Use our free mortgage calculator with Utah property taxes pre-filled.
Calculate Your UT Mortgage Payment