Utah Mortgage Calculator
Utah has the 3rd-lowest effective property tax rate of the 50 states at 0.48% — $2,301 less a year than the 0.91% state average on a $535,000 home. Homeowners insurance averages $1,814 a year, the 16th-lowest premium nationally and $906 less than the typical state.
Most Utah counties use the $832,750 conforming loan limit for 2026, but 4 high-cost counties — Summit County ($1,150,000), Wasatch County ($1,150,000), Wayne County ($997,050) and others — allow larger conforming loans. Above those amounts you need a jumbo loan.
On a $535,000 home, property tax and insurance add $365 a month in Utah, compared with $371 in Nevada, $409 in Wyoming, $409 in Arizona, $410 in Idaho, $520 in New Mexico, $637 in Colorado.
Loan Parameters
Total Monthly Payment
$3,867
Principal & Interest + Taxes + Insurance
APR 7.488%
Total Interest
$675,229
Total Cost
$1,317,080
Advanced Parameters
Private Mortgage Insurance (PMI)
Your down payment is below 20%. PMI is estimated at 0.72% annually and is removed here when your LTV reaches 80%.
Loan Summary
Payoff Date
Sep 2056
Interest / Principal
1.40x
Mortgage Insurance Ends
Feb 2035
50% Equity
Jul 2048
Amortization Schedule
| Period | Payment | Principal | Interest | PMI | Balance | Equity |
|---|---|---|---|---|---|---|
| Year 1 | $38,558 | $4,863 | $33,695 | $3,467 | $476,637 | $58,363 |
| Year 2 | $38,558 | $5,216 | $33,342 | $3,467 | $471,421 | $63,579 |
| Year 3 | $38,558 | $5,595 | $32,963 | $3,467 | $465,826 | $69,174 |
| Year 4 | $38,558 | $6,001 | $32,557 | $3,467 | $459,825 | $75,175 |
| Year 5 | $38,558 | $6,437 | $32,121 | $3,467 | $453,389 | $81,611 |
| Year 6 | $38,558 | $6,904 | $31,654 | $3,467 | $446,484 | $88,516 |
| Year 7 | $38,558 | $7,405 | $31,152 | $3,467 | $439,079 | $95,921 |
| Year 8 | $38,558 | $7,943 | $30,615 | $3,467 | $431,136 | $103,864 |
| Year 9 | $38,558 | $8,520 | $30,038 | $1,156 | $422,616 | $112,384 |
| Year 10 | $38,558 | $9,138 | $29,419 | — | $413,478 | $121,522 |
| Year 11 | $38,558 | $9,802 | $28,756 | — | $403,675 | $131,325 |
| Year 12 | $38,558 | $10,514 | $28,044 | — | $393,162 | $141,838 |
| Year 13 | $38,558 | $11,277 | $27,281 | — | $381,885 | $153,115 |
| Year 14 | $38,558 | $12,096 | $26,462 | — | $369,789 | $165,211 |
| Year 15 | $38,558 | $12,974 | $25,583 | — | $356,814 | $178,186 |
| Year 16 | $38,558 | $13,916 | $24,641 | — | $342,898 | $192,102 |
| Year 17 | $38,558 | $14,927 | $23,631 | — | $327,971 | $207,029 |
| Year 18 | $38,558 | $16,011 | $22,547 | — | $311,960 | $223,040 |
| Year 19 | $38,558 | $17,173 | $21,384 | — | $294,787 | $240,213 |
| Year 20 | $38,558 | $18,420 | $20,138 | — | $276,367 | $258,633 |
| Year 21 | $38,558 | $19,758 | $18,800 | — | $256,609 | $278,391 |
| Year 22 | $38,558 | $21,192 | $17,365 | — | $235,417 | $299,583 |
| Year 23 | $38,558 | $22,731 | $15,827 | — | $212,686 | $322,314 |
| Year 24 | $38,558 | $24,381 | $14,176 | — | $188,305 | $346,695 |
| Year 25 | $38,558 | $26,152 | $12,406 | — | $162,153 | $372,847 |
| Year 26 | $38,558 | $28,051 | $10,507 | — | $134,102 | $400,898 |
| Year 27 | $38,558 | $30,087 | $8,470 | — | $104,015 | $430,985 |
| Year 28 | $38,558 | $32,272 | $6,286 | — | $71,743 | $463,257 |
| Year 29 | $38,558 | $34,615 | $3,942 | — | $37,127 | $497,873 |
| Year 30 | $38,556 | $37,127 | $1,429 | — | $0 | $535,000 |
Utah mortgage data
- Typical home value
- $534,582
- Zillow ZHVI, August 31, 2026 (U.S. $368,697)
- Effective property tax rate
- 0.48%
- $2,568/yr on a $535,000 home
- Average homeowners insurance
- $1,814/yr
- $151/mo
- 2026 conforming loan limit
- $832,750 – $1,150,000
- 29 counties
- High-cost counties
- 4
- Limit above $832,750
- 2026 FHA loan limit (1-unit)
- $541,287 – $1,150,000
- Varies by county — confirm on HUD
- Current 30-yr / 15-yr fixed average
- 7.03% / 6.42%
- Freddie Mac PMMS, September 24, 2026
How much house can you afford in Utah?
Highest price where principal, interest, Utah property tax, insurance and PMI stay within 28% of gross income —10% down, 30-year fixed at 7.03%. Other debts lower these numbers.
| Household income | Housing budget / mo | Max home price | Down payment | vs typical home |
|---|---|---|---|---|
| $50,000 | $1,167 | $146,000 | $14,600 | 27% |
| $75,000 | $1,750 | $230,000 | $23,000 | 43% |
| $100,000 | $2,333 | $314,000 | $31,400 | 59% |
| $125,000 | $2,917 | $398,000 | $39,800 | 74% |
| $150,000 | $3,500 | $482,000 | $48,200 | 90% |
| $200,000 | $4,667 | $650,000 | $65,000 | 122% |
| $250,000 | $5,833 | $818,000 | $81,800 | 153% |
Utah mortgage payment by loan amount
30-year fixed at 7.03%, 20% down, with Utah property tax and insurance on the matching home price.
| Loan amount | P&I | Total / month | Income needed | Loan type |
|---|---|---|---|---|
| $150,000 mortgage | $1,001 | $1,227 | $53,000 | Conforming |
| $175,000 mortgage | $1,168 | $1,406 | $61,000 | Conforming |
| $200,000 mortgage | $1,335 | $1,586 | $68,000 | Conforming |
| $225,000 mortgage | $1,501 | $1,765 | $76,000 | Conforming |
| $250,000 mortgage | $1,668 | $1,944 | $84,000 | Conforming |
| $275,000 mortgage | $1,835 | $2,124 | $92,000 | Conforming |
| $300,000 mortgage | $2,002 | $2,303 | $99,000 | Conforming |
| $325,000 mortgage | $2,169 | $2,482 | $107,000 | Conforming |
| $350,000 mortgage | $2,336 | $2,662 | $115,000 | Conforming |
| $375,000 mortgage | $2,502 | $2,841 | $122,000 | Conforming |
| $400,000 mortgage | $2,669 | $3,020 | $130,000 | Conforming |
| $425,000 mortgage | $2,836 | $3,200 | $138,000 | Conforming |
| $450,000 mortgage | $3,003 | $3,379 | $145,000 | Conforming |
| $475,000 mortgage | $3,170 | $3,558 | $153,000 | Conforming |
| $500,000 mortgage | $3,337 | $3,738 | $161,000 | Conforming |
| $525,000 mortgage | $3,503 | $3,917 | $168,000 | Conforming |
| $550,000 mortgage | $3,670 | $4,096 | $176,000 | Conforming |
| $575,000 mortgage | $3,837 | $4,276 | $184,000 | Conforming |
| $600,000 mortgage | $4,004 | $4,455 | $191,000 | Conforming |
| $625,000 mortgage | $4,171 | $4,634 | $199,000 | Conforming |
| $650,000 mortgage | $4,338 | $4,814 | $207,000 | Conforming |
| $675,000 mortgage | $4,504 | $4,993 | $214,000 | Conforming |
| $700,000 mortgage | $4,671 | $5,172 | $222,000 | Conforming |
| $725,000 mortgage | $4,838 | $5,352 | $230,000 | Conforming |
| $750,000 mortgage | $5,005 | $5,531 | $238,000 | Conforming |
| $775,000 mortgage | $5,172 | $5,710 | $245,000 | Conforming |
| $800,000 mortgage | $5,339 | $5,890 | $253,000 | Conforming |
| $825,000 mortgage | $5,505 | $6,069 | $261,000 | Conforming |
| $850,000 mortgage | $5,672 | $6,248 | $268,000 | Jumbo in most counties |
| $875,000 mortgage | $5,839 | $6,428 | $276,000 | Jumbo in most counties |
| $900,000 mortgage | $6,006 | $6,607 | $284,000 | Jumbo in most counties |
| $925,000 mortgage | $6,173 | $6,786 | $291,000 | Jumbo in most counties |
| $950,000 mortgage | $6,340 | $6,966 | $299,000 | Jumbo in most counties |
| $975,000 mortgage | $6,506 | $7,145 | $307,000 | Jumbo in most counties |
| $1,000,000 mortgage | $6,673 | $7,324 | $314,000 | Jumbo in most counties |
| $1,100,000 mortgage | $7,341 | $8,042 | $345,000 | Jumbo in most counties |
| $1,200,000 mortgage | $8,008 | $8,759 | $376,000 | Jumbo |
| $1,300,000 mortgage | $8,675 | $9,476 | $407,000 | Jumbo |
| $1,400,000 mortgage | $9,342 | $10,194 | $437,000 | Jumbo |
| $1,500,000 mortgage | $10,010 | $10,911 | $468,000 | Jumbo |
Loan programs compared in Utah
$535,000 home, each program's typical minimum or default down payment, current average 30-year rate.
| Loan type | Down | Loan amount | Upfront fee | Monthly MI | Total / month | APR |
|---|---|---|---|---|---|---|
| Conventional | 10% · $53,500 | $481,500 | — | $289 PMI | $3,867 | 7.488% |
| FHA | 3.5% · $18,725 | $525,310 | UFMIP $9,035 | $240 MIP | $4,110 | 7.761% |
| VA | 0% · $0 | $546,503 | Funding fee $11,503 | $0 | $4,012 | 7.242% |
| JumboLoan is conforming (≤ $832,750) | 20% · $107,000 | $428,000 | — | $0 | $3,221 | 7.030% |
Utah high-cost counties (2026)
4 counties have a one-unit conforming limit above the $832,750 baseline. Loans up to these amounts are conforming, not jumbo.
- Summit County$1,150,000
- Wasatch County$1,150,000
- Wayne County$997,050
- Grand County$839,500
Frequently asked questions
What is the monthly mortgage payment on a $535,000 home in Utah?
$535,000 is the typical Utah home value. With 10% down on a conventional loan, the estimated payment is $3,867 per month ($3,213 principal & interest, $214 property tax, $151 insurance, $289 PMI) at 7.03% for 30 years, including Utah's 0.48% effective property tax rate.
What is the 2026 conforming loan limit in Utah?
$832,750 in most counties and up to $1,150,000 in 4 high-cost counties, including Summit County, Wasatch County, Wayne County.
How much income do I need for a $535,000 home in Utah?
About $166,000 a year if housing costs stay within 28% of gross income — a common lender guideline. Lenders also look at total debt-to-income, usually capped around 43%–50%.
How much house can I afford in Utah on a $100,000 salary?
About $314,000 with 10% down, keeping the payment (including Utah property tax, insurance and PMI) within 28% of gross income at 7.03%. The typical Utah home ($534,582) needs roughly $166,000 a year.
Explore related calculators
Utah calculators by loan type
Data sources & assumptions
- Freddie Mac Primary Mortgage Market Survey (PMMS) — Weekly average as of September 24, 2026
- Zillow Home Value Index (ZHVI), typical home value, all homes — Default home prices; typical value as of August 31, 2026
- FHFA 2026 Conforming Loan Limit Values (one-unit) — 2026 one-unit limits, 56 states & territories
- HUD FHA Mortgage Limits lookup — FHA floor $541,287; high-cost counties follow the conforming limit — confirm on HUD
- Effective statewide property tax rate (Tax Foundation, 2026 projections) — Statewide effective rate; county rates vary
- Average annual homeowners premium, $300K dwelling / $1K deductible (industry survey averages) — Statewide average premium
Estimates exclude lender origination fees, points and closing costs. See our methodology for formulas and limitations.