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Utah mortgage calculator

Pre-filled for Utah: the median home value ($545,000) and the state's effective property tax rate of 0.49%. Change anything to match your home.

Home price
Down payment$109,000
%
Interest rateAPR, fixed
%
Loan term
Extra monthly paymenttoward principal
/ mo

Estimated monthly payment

$3,128.36

Loan $436,000 · 20% down

  • Principal & interest$2,755.82
  • Property tax$222.54
  • Home insurance$150.00
See the month-by-month schedule →
Total interest
$556,091
Total cost
$1,126,206
Payoff time
30 yr
PMI paid
None

Principal vs. interest by year

1: Principal 4,873, Interest 28,19712: Principal 5,200, Interest 27,8703: Principal 5,548, Interest 27,5224: Principal 5,919, Interest 27,15045: Principal 6,316, Interest 26,7546: Principal 6,739, Interest 26,3317: Principal 7,190, Interest 25,8808: Principal 7,672, Interest 25,39889: Principal 8,186, Interest 24,88410: Principal 8,734, Interest 24,33611: Principal 9,319, Interest 23,75112: Principal 9,943, Interest 23,1271213: Principal 10,609, Interest 22,46114: Principal 11,319, Interest 21,75115: Principal 12,077, Interest 20,99316: Principal 12,886, Interest 20,1841617: Principal 13,749, Interest 19,32118: Principal 14,670, Interest 18,40019: Principal 15,652, Interest 17,41820: Principal 16,701, Interest 16,3692021: Principal 17,819, Interest 15,25122: Principal 19,012, Interest 14,05723: Principal 20,286, Interest 12,78424: Principal 21,644, Interest 11,4262425: Principal 23,094, Interest 9,97626: Principal 24,641, Interest 8,42927: Principal 26,291, Interest 6,77928: Principal 28,051, Interest 5,0182829: Principal 29,930, Interest 3,14030: Principal 31,931, Interest 1,13530
PrincipalInterest

Amortization schedule by year

YearPrincipalInterestBalance
1$4,873$28,197$431,127
2$5,200$27,870$425,927
3$5,548$27,522$420,379
4$5,919$27,150$414,460
5$6,316$26,754$408,144
Monthly payment$3,128.36

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Utah at a glance

Effective property tax
0.49%
Rank (1 = highest)
43rd of 51
Median home value
$545,200
Median tax bill
$2,648/yr

On the same $400,000 home, property tax in Utah adds about $163.33/month, versus $296.67/month at the national rate.

Utah mortgage payments by home price

Home pricePrincipal & interestProperty taxTotal / month
$275,000$1,390.55$112.29$1,652.84
$400,000$2,022.62$163.33$2,335.95
$550,000$2,781.10$224.58$3,155.68
$825,000$4,171.65$336.88$4,658.53
$1,100,000$5,562.20$449.17$6,161.37

20% down, 6.5% 30-year fixed (example rate), 0.49% property tax, $1,800/yr insurance, no HOA. Also see: how much house you can afford in Utah.

Mortgage calculators for other states

Assumptions

  • Fixed interest rate for the full term.
  • Property tax, insurance and HOA stay constant (in reality they usually rise over time).
  • PMI applies only when the loan is over 80% of the home price, and stops once the balance reaches 78% of the original price.
  • Extra payments go entirely to principal.
  • Utah figures: Effective rate = ACS median real estate taxes paid ÷ ACS median value, owner-occupied housing units, by state. Source: US Census Bureau ACS 2024.

Frequently asked questions

What is the property tax rate in Utah?+

The effective property tax rate in Utah is about 0.49% of home value a year (median taxes paid $2,648 on a median home worth $545,200). That's the 43rd highest of 50 states and DC, and lower than the national 0.89%. Your actual bill depends on your county, city and exemptions.

What's the mortgage payment on a median-priced home in Utah?+

For a $545,000 home with 20% down at an example 6.5% 30-year rate, the payment is about $3,128.36 a month, including $222.54 of property tax and $150.00 of insurance.

How much income do I need to buy a home in Utah?+

To afford the median Utah home ($545,000) under the 28/36 guideline with 10% down and no other debts, you'd need roughly $158,000 a year in gross income at a 6.5% rate.

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Last reviewed October 14, 2026. Calculator version 1.0.0. Sources: US Census Bureau, ACS 2024 1-year, Table B25103 (Median Real Estate Taxes Paid) · US Census Bureau, ACS 2024 1-year, Table B25077 (Median Value, Owner-Occupied). Results are estimates for educational purposes, not financial, tax or lending advice. How we check our numbers.