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Safe Rate Local

Utah Mortgage Calculator

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

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Est. Total Monthly Cost
$3,323
P&I Payment$2,839
Taxes & Ins$284
Utilities$200

Mortgage Details

$555,917
Local Median: $555,917
$111,183 (20%)
%

Local Area Costs

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Monthly$3,323

Monthly Breakdown

Principal & Interest
$2,839
Property Taxes
$214
Homeowners Ins.
$70
Est. Utilities
$200

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$577,468

Local Housing Facts for Utah

  • ·Median home value: $555,917 (adjusted for current market conditions)
  • ·Est. property taxes: $2,568/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $836/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?

Based on the local median home value, estimated real estate property taxes in Utah are around $2,568 per year.

What is the average home price in Utah?

The median home value in Utah is currently estimated at $555,917.

How much does homeowners insurance cost in Utah?

For a median priced home, homeowners insurance in Utah averages around $836 annually.

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

True homeownership costs go beyond principal and interest. In Utah, a typical homeowner with a median-priced home of $555,917 can expect to pay roughly $2,568/yr in property taxes, $836/yr for homeowners insurance, and $2,400/yr in energy utilities. That adds approximately $484 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.