Español

Este sitio también está en español. Leer en español

State

Data from November 2026

Housing , home prices, rents and assistance in Utah (2026)

A typical home in Utah is worth $489,400; the typical rent is $1,496 a month. Depending on the county, the FHA limit for a one-unit home is between $541,287 and $1,163,800. 7 HUD-approved counseling agencies serve Utah; 2 say they serve you in Spanish.

Most populous:

Typical home value by county

  • Under $283,700
  • $283,700–$334,600
  • $334,600–$425,400
  • $425,400–$525,700
  • $525,700 or more

Tap the map to see each county’s figure and open its page.

Typical home value
$489,400
47% more than the U.S.
U.S.: $332,700
Typical rent per month
$1,496
6% more than the U.S.
U.S.: $1,413
Typical household income
$95,166
18% more than the U.S.
U.S.: $80,734
FHA limit, 1 unit
$541,287 to $1,163,800
It changes by county. The highest applies in 2 counties.
U.S.: $541,287 to $1,299,500
Property tax
0.52%
of value a year
The typical bill is $2,525 a year.
U.S.: 0.94%

Source: American Community Survey (ACS) 5-year estimates Average 2020–2024 American Community Survey (ACS) 5-year estimates Source: FHA mortgage limits (HUD) Data from 2026 data FHA mortgage limits (HUD)

In short

Living in Utah

A typical home in Utah is worth $489,400, 47% more than in the country overall. Across its 29 counties, the typical value runs from $218,700 in Emery County to $1,067,700 in Summit County. A typical household earns $95,166 a year and pays $1,496 a month in rent; 47% of renters put 30% or more of their income toward housing. 70% of households live in a home they own; they pay a typical property tax of $2,525 a year, about 0.52% of value.

The conforming loan limit for a one-unit home runs from $832,750 to $1,150,000 depending on the county. To pay HUD’s fair rent for a 2-bedroom apartment in Utah ($1,493) without spending more than 30% of income, you need about $28.71 an hour working full time.

Source: Conforming loan limits (FHFA) Data from 2026 data Conforming loan limits (FHFA) Source: Fair Market Rents (HUD) Fiscal year 2027 Fair Market Rents (HUD)

The essentials in Utah

More on property tax

  • Primary residential exemption (45 percent of value)

    A home that is a primary residence (yours or a tenant's) is taxed on only 55 percent of its market value: the law takes 45 percent off. It applies to one primary residence per household and up to one acre of land per unit.

    Utah State Legislature (Utah Code) · Verified October 23, 2026

  • Deadline to apply for the residential exemption

    The county board of equalization does not accept an application for the residential exemption on your primary residence if it is filed after September 15 of the exemption year or after the last day of the 45-day period that starts when the county auditor sends its notice. The later date counts. The law allows some exceptions.

    Utah State Legislature (Utah Code) · Verified October 24, 2026

  • Deadline to appeal your property's value

    If you disagree with your property's value, you can appeal to the Board of Equalization of the county where the property is located. The deadline is generally September 15 each year, and you must give some evidence that the value is lower. The board issues a written decision. That decision can be appealed to the Utah State Tax Commission within 30 days of the date of the county's decision.

    Utah State Tax Commission · Verified October 24, 2026

  • Low-income homeowner's tax credit

    You may qualify if you own your home (or manufactured home) and live in it, your 2025 total household income was under $44,221, you lived in Utah all year and you owned the home all year. In addition, one of these is true: you qualified for the credit in 2025, you are at least 67, or you are an unmarried surviving spouse. You must be able to prove Utah residency and household income. Up to $1,412 of property tax can be abated, based on income, plus a credit equal to the tax on 20 percent of the home's fair market value. You file the application with your county government by September 1. The income limit and the amount change each year.

    Utah State Tax Commission (Publication 36) · Verified October 24, 2026

  • Citizenship or legal presence to receive tax relief

    According to Utah State Tax Commission Publication 36, you must be a U.S. citizen or legally present in the U.S. (see federal law 8 U.S.C. 1641) to receive tax relief. The exception is the exemption for veterans with a disability.

    Utah State Tax Commission (Publication 36) · Verified October 24, 2026

The homes here

Housing in Utah

What homes there are in Utah, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

Detached houses, standing on their own, make up 67% of homes here, against 61% in the U.S..

Year built

Homes in Utah are newer: the typical year built is 1992; in the U.S., 1980.

In Utah, 72% of homes have 3 bedrooms or more, more than in the U.S. (61%).

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

Looking at what owner-occupied homes in Utah are worth, the most common range is between $300K and $500K (37%).

Monthly rent with utilities

Looking at what people pay in rent in Utah, the most common range is between $1,000 and $1,499 a month (31%).

With a mortgage

$2,009 a month

United States: $1,963 a month

Without a mortgage

$564 a month

United States: $638 a month

Owners with a mortgage

69%

United States: 61%

In Utah, 69% of owners have a mortgage; their typical cost is $2,009 a month, about the same as in the U.S..

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

From 2015–2019 to 2020–2024, the typical home value in Utah rose 75%; in the U.S., it rose 53%.

The typical rent in Utah rose 44% over the same time; in the U.S., it rose 33%.

The typical household income in Utah rose 33%: less than home values (+75%) and rent (+44%).

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureUtahUnited States
Rental vacancy 5.5%5.5%
Homeowner vacancy 0.6%0.9%
More than one person per room 3.1%3.4%
People per household 2.972.53
Drive alone 67%69%
Carpool 10%9%
Public transit 2%3%
Walk or bike 3%3%
Work from home 18%15%
Other means 1%2%
Typical commute Unreliable estimate20 to 29 minutes

Much as in the U.S., the rental vacancy rate in Utah is 5.5%.

More than one person per room: that is how 3.1% of households in Utah live, near the figure in the U.S. (3.4%).

Households in Utah are bigger: 2.97 people on average; in the U.S., 2.53.

To get to work, 67% of workers in Utah drive alone; in the U.S., 69%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Places

Explore the counties in Utah

Sort by any column or type a name. The 25 most populous are shown; the button reveals the rest.

See the counties page

Source: American Community Survey (ACS) 5-year estimates Average 2020–2024 American Community Survey (ACS) 5-year estimates Source: FHA mortgage limits (HUD) Data from 2026 data FHA mortgage limits (HUD) Source: Fair Market Rents (HUD) Fiscal year 2027 Fair Market Rents (HUD)

Calculator

Work out your payment in Utah

Start from the typical home value in Utah, $489,400, and this week’s average rate. Move the price and the down payment to see your monthly payment. If you already visited a county, the calculator uses its numbers.

More math for Utah

$
%

Estimated monthly payment

$3,888

FHA loan over 30 years, with estimated taxes and insurance.

See the full calculation

Prices and risks

Three official measures that help you decide: how much home prices have changed according to FHFA, how prices compare with the national average according to BEA, and how many homes sit in a flood zone according to FEMA.

Home prices

How have home prices changed?

According to the FHFA House Price Index, home prices in Utah rose 121% in the 10 years through 2025.

Price change each year

Period Utah United States
In 2025 +2.4% +2.9%
5 years (2020–2025) +53% +47%
10 years (2015–2025) +121% +85%

The index follows the prices of the same homes over time (sales and appraisals on loans bought or guaranteed by Fannie Mae and Freddie Mac). It is not the average price of a home. FHFA considers its annual state indexes experimental.

Source: FHFA House Price Index (HPI) Data from 2025 data FHFA House Price Index (HPI)

Cost of living

How expensive are prices here?

According to the Bureau of Economic Analysis (BEA), in 2024 prices in Utah were 1% lower than the U.S. average. Housing rents were 7% higher than nationwide.

Category Utah United States Versus the U.S.
All prices Consumer goods and services 98.9 100.0 1% less
Housing rents What renters pay 107.8 100.6 7% more
Water, power and gas Water, sewer, electricity and gas 78.7 98.4 20% less
Goods Food, clothing, transportation and more 96.4 99.6 3% less
Other services Services other than rent 99.0 100.1 1% less

BEA expresses each index as a percentage of the average U.S. price level: a higher number means higher prices, and a lower one, lower prices.

Source: Regional price parities (BEA) Data from 2024 data Regional price parities (BEA)

Flooding

Is there a flood risk?

According to FEMA, in Utah 0.8% of homes (8,149) are in a high-risk flood zone. Of those homes, 16% have NFIP flood insurance.

  • A high-risk zone (Special Flood Hazard Area) has a 1% or greater chance of flooding each year. 44 CFR 59.1
  • If the home is in that zone and the loan comes from a regulated lender, federal law requires flood insurance for the life of the loan, in communities that take part in the NFIP. 42 U.S.C. 4012a
  • Most homeowners insurance does not cover flood damage. FEMA, FloodSmart
Utah United States
Homes in a high-risk zone 0.8% 3.5%
Of those, with NFIP insurance 16% 48%
All homes with NFIP insurance 0.3% 2.9%

The NFIP is the federal flood insurance program; private policies are not counted. FEMA counts homes with its National Structure Inventory. We add up the county figures FEMA publishes.

Look up your address on FEMA’s map Source: Homes with flood insurance (NFIP, FEMA) As of August 3, 2026 Homes with flood insurance (NFIP, FEMA)

Places

Cities in Utah

The 16 most populous cities with a page. Each one compares its prices and rents with its county.

See the other cities (81)

    Help to buy

    Assistance programs in Utah

    Our list has 2 official programs that help you buy in Utah. Each card says what kind of help it gives and when we checked its official page.

    See all 2 programs
    1. Utah Housing Down Payment Assistance Second Mortgage

      Utah state agency second mortgage for the down payment or closing costs alongside its first mortgage: up to 6% of the loan with monthly payments, or up to 3.5% at 3.5% with deferred interest and no payments; capped at $27,500. Offered by Utah Housing Corporation (UHC).

      RepayableDeferred Verified November 5, 2026

    2. First-time Homebuyer Assistance Program

      Utah state loan, run by Utah Housing, of up to $20,000 with no interest or monthly payments for the down payment, closing costs or a lower rate; only for first-time buyers of a newly built home with a Utah Housing mortgage. Offered by Utah Housing Corporation (UHC).

      Deferred Verified November 5, 2026

    Tenant rights

    Tenant rights in Utah

    Utah law answers 4 of these 5 questions, each answer with its citation. Where it says “Data not available”, we have not verified it against the source yet.

    A summary of state law, not legal advice. Cities may have additional rules.

    See every right

    1. How much can they charge for a deposit?

      Utah law sets no maximum for the security deposit. The renters' deposits chapter (Utah Code, title 57, chapter 17) says the owner must return it or explain in writing why any part is kept, but caps no amount.

      Utah Code §57-17-1

    2. When must they return my deposit?

      No later than 30 days after you vacate and return the home, the landlord must send you the balance of the deposit and any prepaid rent, with a written notice itemizing and explaining each deduction. If not, you may serve a 5-business-day notice; if the landlord still fails, the full deposit plus a $100 penalty is owed.

      Utah Code §57-17-3(2)

    3. If I fall behind on rent, what notice must I get?

      If you owe rent or other amounts, the landlord must serve a written notice giving you the choice to pay or surrender the home; if 3 business days pass without compliance, the landlord may sue for unlawful detainer.

      Utah Code §78B-6-802(1)(c)

    4. How much notice ends a month-to-month rental?

      In a month-to-month tenancy, the landlord must serve notice at least 15 calendar days before the end of the month requiring you to leave when that month ends. In a tenancy at will, the notice is at least 5 calendar days.

      Utah Code §78B-6-802(1)(b)

    5. Are there limits on late fees?

      Data not available

    A family roasts marshmallows over a campfire at a forest campsite.

    Help and advice

    Who can help you in Utah?

    You do not have to do this alone. A HUD-approved housing counselor gives independent advice on buying, renting, late payments and credit, often free or at low cost.

    7 HUD-approved counseling agencies serve Utah; 2 say they serve you in Spanish. Choose your county to see the closest ones with their phone number.

    19 public housing authorities run Section 8 vouchers and public housing in Utah.

    See all 7 agencies See the housing agencies

    Who runs the help in Utah

    • Utah Housing Corporation (UHC), Form 310 fact sheet

      Utah Housing Corporation (UHC) was created and authorized by state statute, serves a governmental purpose and is an instrumentality of the State of Utah. Its down payment assistance loan, the DPA Second, is for qualified first-time homebuyers and for buyers who have owned a home before. Combined with a UHC first mortgage, it lets a buyer purchase a home with little or no cash investment. UHC buys the DPA Second at the same time as the first mortgage.

      The agency's official page · Verified October 24, 2026

    Where to file a complaint in Utah

    • Where to file a housing discrimination complaint

      The Utah Labor Commission's Antidiscrimination and Labor Division (UALD) takes housing discrimination complaints. In most situations, the complaint must be filed within 365 days of the discrimination. UALD investigates claims filed within 180 days. If the complaint is made between day 181 and day 365, UALD processes the paperwork and sends the case to HUD, the federal housing agency.

      Utah Labor Commission, Antidiscrimination and Labor Division (UALD) · Verified October 24, 2026

    • Help with insurance complaints or questions

      The Utah Insurance Department has insurance experts on staff who help you understand your coverage and answer your questions. If you could not resolve a problem with your insurance company or agent, you can ask that staff for help or file a written complaint.

      Utah Insurance Department · Verified October 24, 2026

    Guides

    Guides for you in Utah

    We picked them with the numbers of Utah. Each one says why it can help you.

    Frequently asked questions about housing in Utah

    What is the FHA limit in Utah in 2026?

    In Utah, the FHA limit for a one-unit home runs from $541,287 to $1,163,800. The highest is in Summit County.

    How much does a typical home cost in Utah?

    The typical home value in Utah is $489,400 (Average 2020–2024, U.S. Census). The highest is in Summit County ($1,067,700) and the lowest in Emery County ($218,700).

    How much does it cost to rent in Utah?

    The typical rent in Utah is $1,496 a month (Average 2020–2024, U.S. Census).

    How much do you need to earn to rent a 2-bedroom apartment in Utah?

    At HUD's average fair market rent in Utah ($1,493, Fiscal year 2027), about $28.71 an hour working full time, so rent stays under 30% of income.

    How much is property tax in Utah?

    The typical property tax in Utah is $2,525 a year, about 0.52% of home value (Average 2020–2024, U.S. Census).

    Where can I find free help in Spanish to buy a home in Utah?

    There are 7 HUD-approved counseling agencies in Utah; 2 say they serve you in Spanish. Each county page lists the closest ones with their phone number.

    Sources: American Community Survey (Average 2020–2024); FHA mortgage limits (2026 data); Conforming loan limits (2026 data); Fair Market Rents (Fiscal year 2027); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (Retrieved November 6, 2026); FHFA House Price Index (2025 data); Homes with flood insurance (As of August 3, 2026); Regional price parities (2024 data); Census Bureau cartographic boundary files (2024 data).