Safe Rate Local

Utah County Mortgage Calculator

Estimate your true cost of homeownership in Utah County with localized property taxes, insurance, and utility data.

← Back to Utah County Hub
Est. Total Monthly Cost
$3,580
P&I Payment$3,114
Taxes & Ins$266
Utilities$200

Mortgage Details

$589,645
Local Median: $589,645
$117,929 (20%)
%

Local Area Costs

Ready to see real rates?

Get a live quote priced specifically for Utah County using Safe Rate's engine.

Monthly$3,580

Monthly Breakdown

Principal & Interest
$3,114
Property Taxes
$199
Homeowners Ins.
$66
Est. Utilities
$200

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$649,431

Local Housing Facts for Utah County

  • ·Median home value: $589,645 (adjusted for current market conditions)
  • ·Est. property taxes: $2,390/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $796/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,400/yr — sourced from DOE LEAD survey data
  • ·Flood insurance: optional — toggled off by default, estimate based on FEMA risk profile

Frequently Asked Questions

How much are property taxes in Utah County?

Based on the local median home value, estimated real estate property taxes in Utah County are around $2,390 per year.

What is the average home price in Utah County?

The median home value in Utah County is currently estimated at $589,645.

How much does homeowners insurance cost in Utah County?

For a median priced home, homeowners insurance in Utah County averages around $796 annually.

What is the true total cost of owning a home in Utah County?

True homeownership costs go beyond principal and interest. In Utah County, a typical homeowner with a median-priced home of $589,645 can expect to pay roughly $2,390/yr in property taxes, $796/yr for homeowners insurance, and $2,400/yr in energy utilities. That adds approximately $466 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.