Utah (UT) · West Real Estate Profile
Utah Mortgage Payment & Property Tax Guide
Calculate your exact monthly housing expense in Utah. In Utah, the effective statewide property tax rate averages 0.55% and homeowners insurance averages 0.40% of home market value. Explore 25 pre-calculated loan scenarios below.
Effective Property Tax0.55%
Homeowners Insurance0.40%
Median Home Price$530,000
Conforming Loan Limit$766,550
Property Tax Context for Utah: At 0.55%, a median-priced home of $530,000 pays roughly $2,915 per year in property taxes ($243/month). Millage rates vary across counties and municipalities.
Companion Tax Engine
View Utah Tax Tables →Check Take-Home Pay Across All 50 States on AfterTaxMath
See exact net salary, state income tax withholding, and FICA deductions for Utah residents.
Monthly Payment Benchmarks in Utah (30-Year Fixed at 6.50%%)
Estimated monthly PITI payments assuming 20% down payment and standard 28% DTI underwriting:
| Loan Amount | Est. Home Value | 30-Yr P&I | UT Property Tax | Total PITI/mo | Required Salary | Details |
|---|---|---|---|---|---|---|
| $150,000 | $187,500 | $948/mo | $86/mo | $1,097/mo | $47,000/yr | View schedule → |
| $250,000 | $312,500 | $1,580/mo | $143/mo | $1,828/mo | $78,000/yr | View schedule → |
| $350,000 | $437,500 | $2,212/mo | $201/mo | $2,559/mo | $110,000/yr | View schedule → |
| $450,000 | $562,500 | $2,844/mo | $258/mo | $3,290/mo | $141,000/yr | View schedule → |
| $550,000 | $687,500 | $3,476/mo | $315/mo | $4,021/mo | $172,000/yr | View schedule → |
| $750,000 | $937,500 | $4,741/mo | $430/mo | $5,483/mo | $235,000/yr | View schedule → |
| $1,000,000 | $1,250,000 | $6,321/mo | $573/mo | $7,310/mo | $313,000/yr | View schedule → |
Browse all 25 loan amounts in Utah
Select any loan principal to view detailed amortization, rate sensitivity, and DTI requirements:
$100k in UT$731/mo$150k in UT$1,097/mo$200k in UT$1,462/mo$250k in UT$1,828/mo$300k in UT$2,193/mo$350k in UT$2,559/mo$400k in UT$2,924/mo$450k in UT$3,290/mo$500k in UT$3,655/mo$550k in UT$4,021/mo$600k in UT$4,386/mo$650k in UT$4,752/mo$700k in UT$5,117/mo$750k in UT$5,483/mo$800k in UT$5,848/mo$850k in UT$6,214/mo$900k in UT$6,579/mo$950k in UT$6,945/mo$1 million in UT$7,310/mo$1.1 million in UT$8,041/mo$1.2 million in UT$8,772/mo$1.3 million in UT$9,503/mo$1.4 million in UT$10,234/mo$1.5 million in UT$10,965/mo$2 million in UT$14,621/mo
Explore neighboring West states
Compare mortgage payment benchmarks and property taxes across neighboring West jurisdictions:
Alaska (1.18% tax)View guide →Arizona (0.60% tax)View guide →California (0.73% tax)View guide →Colorado (0.55% tax)View guide →Hawaii (0.31% tax)View guide →Idaho (0.63% tax)View guide →
Closing Costs & Transfer Tax in Utah
Utah has no real estate transfer tax; 45% residential property tax exemption applies to primary homes.