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Utah County Mortgage Calculator

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

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Est. Total Monthly Cost
$3,504
P&I Payment$3,078
Taxes & Ins$266
Utilities$161
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Mortgage Details

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

Used with your down payment to fetch a live, scenario-specific rate.

Local Area Costs

Monthly$3,504

Monthly Breakdown

Principal & Interest
$3,078
Property Taxes
$199
Homeowners Ins.
$66
Utilities
$161

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$636,500

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: $1,927/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 $1,927/yr in energy utilities. That adds approximately $426 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.