Jumbo Loan Calculator — Utah
Utah's conforming limit is $832,750 in most counties and reaches $1,150,000 in Summit County and 3 other high-cost counties. This $1,380,000 example loan is $230,000 above the highest limit, so it is jumbo everywhere in the state.
Utah has the 3rd-lowest effective property tax rate of the 50 states at 0.48% — $7,418 less a year than the 0.91% state average on a $1,725,000 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
$10,050
Principal & Interest + Taxes + Insurance
APR 7.030%
Total Interest
$1,935,235
Total Cost
$3,618,056
Advanced Parameters
Loan Summary
Payoff Date
Sep 2056
Interest / Principal
1.40x
Mortgage Insurance Ends
N/A
50% Equity
Jul 2048
Amortization Schedule
| Period | Payment | Principal | Interest | PMI | Balance | Equity |
|---|---|---|---|---|---|---|
| Year 1 | $110,508 | $13,937 | $96,571 | — | $1,366,063 | $358,937 |
| Year 2 | $110,508 | $14,949 | $95,559 | — | $1,351,113 | $373,887 |
| Year 3 | $110,508 | $16,035 | $94,473 | — | $1,335,078 | $389,922 |
| Year 4 | $110,508 | $17,199 | $93,309 | — | $1,317,879 | $407,121 |
| Year 5 | $110,508 | $18,448 | $92,060 | — | $1,299,431 | $425,569 |
| Year 6 | $110,508 | $19,787 | $90,721 | — | $1,279,644 | $445,356 |
| Year 7 | $110,508 | $21,224 | $89,284 | — | $1,258,420 | $466,580 |
| Year 8 | $110,508 | $22,765 | $87,743 | — | $1,235,654 | $489,346 |
| Year 9 | $110,508 | $24,418 | $86,090 | — | $1,211,236 | $513,764 |
| Year 10 | $110,508 | $26,191 | $84,317 | — | $1,185,045 | $539,955 |
| Year 11 | $110,508 | $28,093 | $82,415 | — | $1,156,951 | $568,049 |
| Year 12 | $110,508 | $30,133 | $80,375 | — | $1,126,819 | $598,181 |
| Year 13 | $110,508 | $32,321 | $78,187 | — | $1,094,498 | $630,502 |
| Year 14 | $110,508 | $34,668 | $75,840 | — | $1,059,830 | $665,170 |
| Year 15 | $110,508 | $37,185 | $73,323 | — | $1,022,645 | $702,355 |
| Year 16 | $110,508 | $39,885 | $70,623 | — | $982,760 | $742,240 |
| Year 17 | $110,508 | $42,781 | $67,727 | — | $939,979 | $785,021 |
| Year 18 | $110,508 | $45,887 | $64,621 | — | $894,092 | $830,908 |
| Year 19 | $110,508 | $49,219 | $61,289 | — | $844,873 | $880,127 |
| Year 20 | $110,508 | $52,793 | $57,715 | — | $792,080 | $932,920 |
| Year 21 | $110,508 | $56,626 | $53,882 | — | $735,453 | $989,547 |
| Year 22 | $110,508 | $60,738 | $49,770 | — | $674,716 | $1,050,284 |
| Year 23 | $110,508 | $65,148 | $45,360 | — | $609,568 | $1,115,432 |
| Year 24 | $110,508 | $69,878 | $40,630 | — | $539,689 | $1,185,311 |
| Year 25 | $110,508 | $74,952 | $35,556 | — | $464,737 | $1,260,263 |
| Year 26 | $110,508 | $80,395 | $30,113 | — | $384,342 | $1,340,658 |
| Year 27 | $110,508 | $86,232 | $24,276 | — | $298,110 | $1,426,890 |
| Year 28 | $110,508 | $92,493 | $18,015 | — | $205,617 | $1,519,383 |
| Year 29 | $110,508 | $99,209 | $11,299 | — | $106,408 | $1,618,592 |
| Year 30 | $110,503 | $106,408 | $4,095 | — | $0 | $1,725,000 |
Jumbo Loan numbers for Utah
- Example jumbo home price
- $1,725,000
- 20% down ($345,000)
- Loan amount
- $1,380,000
- a jumbo loan in every Utah county
- Estimated monthly payment
- $10,050
- APR 7.030%
- Utah property tax
- 0.48%
- $690/mo
- Homeowners insurance
- $1,814/yr
- $151/mo
- Highest Utah conforming limit
- $1,150,000
- Loan exceeds it by $230,000
- Jumbo threshold in most counties
- $832,750
- 25 of 29 counties
How much house can you afford in Utah with a jumbo loan?
Highest price where principal, interest, Utah property tax and insurance (no PMI at 20% down) stay within 28% of gross income —20% 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 |
|---|---|---|---|---|
| $200,000 | $4,667 | $786,000 | $157,200 | 147% |
| $250,000 | $5,833 | $990,000 | $198,000 | 185% |
| $300,000 | $7,000 | $1,193,000 | $238,600 | 223% |
| $400,000 | $9,333 | $1,600,000 | $320,000 | 299% |
| $500,000 | $11,667 | $2,006,000 | $401,200 | 375% |
| $600,000 | $14,000 | $2,413,000 | $482,600 | 451% |
| $750,000 | $17,500 | $3,023,000 | $604,600 | 565% |
Jumbo vs other loan types in Utah
$1,725,000 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 |
|---|---|---|---|---|---|---|
| ConventionalAbove conforming limit ($1,150,000) | 10% · $172,500 | $1,552,500 | — | $932 PMI | $12,133 | 7.488% |
| FHAAbove FHA limit ($1,150,000) | 3.5% · $60,375 | $1,693,756 | UFMIP $29,131 | $1,054 MIP | $13,198 | 7.964% |
| VA | 0% · $0 | $1,762,088 | Funding fee $37,088 | $0 | $12,600 | 7.242% |
| Jumbo | 20% · $345,000 | $1,380,000 | — | $0 | $10,050 | 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 $1,725,000 home with a jumbo loan in Utah?
Estimated $10,050 per month ($9,209 principal & interest, $690 property tax, $151 insurance) at 7.03% for 30 years, with 20% down. APR 7.030%.
When is a loan jumbo in Utah?
When a one-unit loan exceeds $832,750, or the higher limit in 4 high-cost counties (up to $1,150,000).
Explore related calculators
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Jumbo Loan calculator in nearby states
Data sources & assumptions
- Freddie Mac Primary Mortgage Market Survey (PMMS) — Weekly average as of September 24, 2026
- FHFA 2026 Conforming Loan Limit Values (one-unit) — 2026 one-unit limits, 56 states & territories
- 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
- CFPB — Understand the different kinds of loans available
Estimates exclude lender origination fees, points and closing costs. See our methodology for formulas and limitations.