FHA Loan Calculator — Utah
On the typical Utah home ($535,000), 3.5% down leaves a $516,275 base loan. The 1.75% upfront premium ($9,035) is financed, for a $525,310 loan, and annual MIP of 0.55% adds $240 a month for the life of the loan. Utah FHA limits run $541,287–$1,150,000 by county.
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.
Loan Parameters
Total Monthly Payment
$4,110
Principal & Interest + Taxes + Insurance
APR 7.761%
Total Interest
$736,666
Total Cost
$1,451,071
Advanced Parameters
FHA Mortgage Insurance Premium (MIP)
Annual MIP of 0.55% is billed monthly on the average balance of each loan year. With less than 10% down it lasts for the life of the loan; with 10% or more down it ends after 11 years. A 1.75% upfront premium is also added to the loan.
Loan Summary
Payoff Date
Sep 2056
Interest / Principal
1.40x
Mortgage Insurance Ends
Full term
50% Equity
Jul 2048
Amortization Schedule
| Period | Payment | Principal | Interest | MIP | Balance | Equity |
|---|---|---|---|---|---|---|
| Year 1 | $42,066 | $5,305 | $36,760 | $2,876 | $520,004 | $14,996 |
| Year 2 | $42,066 | $5,691 | $36,375 | $2,846 | $514,314 | $20,686 |
| Year 3 | $42,066 | $6,104 | $35,962 | $2,814 | $508,210 | $26,790 |
| Year 4 | $42,066 | $6,547 | $35,519 | $2,779 | $501,663 | $33,337 |
| Year 5 | $42,066 | $7,022 | $35,044 | $2,742 | $494,641 | $40,359 |
| Year 6 | $42,066 | $7,532 | $34,534 | $2,702 | $487,108 | $47,892 |
| Year 7 | $42,066 | $8,079 | $33,987 | $2,659 | $479,029 | $55,971 |
| Year 8 | $42,066 | $8,666 | $33,400 | $2,613 | $470,363 | $64,637 |
| Year 9 | $42,066 | $9,295 | $32,771 | $2,564 | $461,068 | $73,932 |
| Year 10 | $42,066 | $9,970 | $32,096 | $2,511 | $451,098 | $83,902 |
| Year 11 | $42,066 | $10,694 | $31,372 | $2,454 | $440,404 | $94,596 |
| Year 12 | $42,066 | $11,470 | $30,596 | $2,394 | $428,934 | $106,066 |
| Year 13 | $42,066 | $12,303 | $29,763 | $2,328 | $416,631 | $118,369 |
| Year 14 | $42,066 | $13,197 | $28,869 | $2,259 | $403,434 | $131,566 |
| Year 15 | $42,066 | $14,155 | $27,911 | $2,184 | $389,280 | $145,720 |
| Year 16 | $42,066 | $15,183 | $26,883 | $2,103 | $374,097 | $160,903 |
| Year 17 | $42,066 | $16,285 | $25,781 | $2,017 | $357,812 | $177,188 |
| Year 18 | $42,066 | $17,467 | $24,598 | $1,924 | $340,345 | $194,655 |
| Year 19 | $42,066 | $18,736 | $23,330 | $1,825 | $321,609 | $213,391 |
| Year 20 | $42,066 | $20,096 | $21,970 | $1,719 | $301,513 | $233,487 |
| Year 21 | $42,066 | $21,555 | $20,511 | $1,605 | $279,958 | $255,042 |
| Year 22 | $42,066 | $23,120 | $18,946 | $1,482 | $256,837 | $278,163 |
| Year 23 | $42,066 | $24,799 | $17,267 | $1,351 | $232,038 | $302,962 |
| Year 24 | $42,066 | $26,600 | $15,466 | $1,210 | $205,438 | $329,562 |
| Year 25 | $42,066 | $28,531 | $13,535 | $1,059 | $176,907 | $358,093 |
| Year 26 | $42,066 | $30,603 | $11,463 | $897 | $146,304 | $388,696 |
| Year 27 | $42,066 | $32,825 | $9,241 | $723 | $113,479 | $421,521 |
| Year 28 | $42,066 | $35,208 | $6,858 | $537 | $78,271 | $456,729 |
| Year 29 | $42,066 | $37,765 | $4,301 | $336 | $40,506 | $494,494 |
| Year 30 | $42,065 | $40,506 | $1,559 | $122 | $0 | $535,000 |
FHA Loan numbers for Utah
- Typical Utah home value
- $535,000
- 3.5% down ($18,725) · Zillow, August 31, 2026
- Loan amount
- $525,310
- Includes $9,035 financed UFMIP
- Estimated monthly payment
- $4,110
- APR 7.761%
- Utah property tax
- 0.48%
- $214/mo
- Homeowners insurance
- $1,814/yr
- $151/mo
- Upfront MIP (1.75%)
- $9,035
- Financed into the loan
- Annual MIP
- 0.55%
- $240/mo in year 1 · life of loan
- Utah FHA loan limit
- $541,287 – $1,150,000
- One-unit, by county
How much house can you afford in Utah with an fha loan?
Highest price where principal, interest, Utah property tax, insurance and FHA mortgage insurance (1.75% upfront premium financed, 0.55% annual MIP) stay within 28% of gross income —3.5% 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 |
|---|---|---|---|---|
| $40,000 | $933 | $105,000 | $3,675 | 20% |
| $50,000 | $1,167 | $137,000 | $4,795 | 26% |
| $60,000 | $1,400 | $168,000 | $5,880 | 31% |
| $75,000 | $1,750 | $215,000 | $7,525 | 40% |
| $100,000 | $2,333 | $294,000 | $10,290 | 55% |
| $125,000 | $2,917 | $373,000 | $13,055 | 70% |
| $150,000 | $3,500 | $452,000 | $15,820 | 85% |
FHA vs other loan types 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 payment on a $535,000 home with an fha loan in Utah?
Estimated $4,110 per month ($3,505 principal & interest, $214 property tax, $151 insurance, $240 FHA mortgage insurance) at 7.03% for 30 years, with 3.5% down. APR 7.761%.
What is the FHA loan limit in Utah for 2026?
Between $541,287 and $1,150,000 depending on the county for a one-unit home. $541,287 is the national FHA floor; counties with higher home prices get higher limits. Check your exact county on HUD's FHA mortgage limits lookup.
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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
- HUD Mortgagee Letter 2023-05 (annual MIP schedule)
- HUD — FHA single family housing policy handbook 4000.1
Estimates exclude lender origination fees, points and closing costs. See our methodology for formulas and limitations.