In Cedar City, a typical home is worth $377,000 and typical rent is $1,054 a month. Compared with all of Iron County, the share of households that own their home is 12 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $358,019 to $403,723.
Typical rent
$1,481a month
▲ 0.8% more than 12 months ago
Typical rent from Zillow, March 2023 to September 2026: from $1,375 to $1,481.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Cedar City is in Iron County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Iron County. See the county
What this place has that others do not, from public data, most unusual first.
1
Cedar City has the 4th lowest typical household income of the 97 cities in Utah with more than 5,000 people ($63,589).
2
57% of households in Cedar City own their home, against 68% in Iron County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Cedar City
What homes there are in Cedar City, 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 houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Cedar City
Iron County
Utah
United States
Kind of home: Cedar City and its comparisons
Measure
Cedar City
Iron County
Utah
United States
Detached house
51%
63%
67%
61%
Attached house
17%
10%
8%
6%
Building of 2 to 4
11%
6%
7%
8%
Apartments (5 or more)
19%
14%
16%
19%
Mobile home
3%
6%
3%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house is still the most common home in Cedar City, but it weighs less than in Iron County: 51% against 63%.
Year built
Before 19601960–19791980–19992000–20092010 or later
Cedar City
Iron County
Utah
United States
Year built: Cedar City and its comparisons
Measure
Cedar City
Iron County
Utah
United States
Before 1960
7%
7%
15%
26%
1960–1979
16%
16%
20%
24%
1980–1999
30%
34%
26%
25%
2000–2009
22%
21%
18%
14%
2010 or later
25%
22%
21%
11%
By age, homes in Cedar City look like those in Iron County: the typical year built is 1999.
In Cedar City, 75% of homes have 3 bedrooms or more, about the same as in Iron County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K4%
$100K–$200K5%
$200K–$300K20%
$300K–$500K46%
$500K–$750K20%
FHA limit: $541,287
$750K–$1M3%
$1M or moreUnreliable
Value of owner-occupied homes: Cedar City and its comparisons
Measure
Cedar City
Under $100K
4%
$100K–$200K
5%
$200K–$300K
20%
$300K–$500K
46%
$500K–$750K
20%
$750K–$1M
3%
$1M or more
Unreliable estimate
By price, most homes in Cedar City sit under the FHA limit for Iron County ($541,287): about 78%.
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $5007%
$500–$99939%
$1,000–$1,49932%
HUD fair market rent, 2 bedrooms: $1,144
$1,500–$1,99911%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Cedar City and its comparisons
Measure
Cedar City
Under $500
7%
$500–$999
39%
$1,000–$1,499
32%
$1,500–$1,999
11%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
About 56% of rented homes in Cedar City cost less than HUD's 2-bedroom fair market rent for Iron County ($1,144); the rest cost more.
With a mortgage
$1,622 a month
Iron County: $1,589 a month
Without a mortgage
$429 a month
Iron County: $427 a month
Owners with a mortgage
65%
Iron County: 65%
The typical cost for an owner with a mortgage in Cedar City is $1,622 a month, near the figure in Iron County ($1,589).
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Cedar City+75%
Iron County+77%
Utah+75%
United States+53%
Typical rent
Cedar City+33%
Iron County+31%
Utah+44%
United States+33%
Typical household income
Cedar City+32%
Iron County+28%
Utah+33%
United States+29%
Change since 2015–2019: Cedar City and its comparisons
Measure
Cedar City
Iron County
Utah
United States
Typical home value
+75%
+77%
+75%
+53%
Typical rent
+33%
+31%
+44%
+33%
Typical household income
+32%
+28%
+33%
+29%
The typical home value in Cedar City rose 75% since 2015–2019, about the same as in Iron County (77%).
The typical rent in Cedar City rose 33% since 2015–2019, about the same as in Iron County (31%).
While home values in Cedar City changed +75% and rent +33%, the typical household income rose 32%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Cedar City and its comparisons
Measure
Cedar City
Iron County
Utah
United States
Rental vacancy
8.0%
9.6%
5.5%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.6%
0.9%
More than one person per room
2.6%
2.6%
3.1%
3.4%
People per household
3.00
3.03
2.97
2.53
Drive alone
72%
73%
67%
69%
Carpool
12%
11%
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
2%
3%
Walk or bike
4%
3%
3%
3%
Work from home
11%
11%
18%
15%
Other means
Unreliable estimate
2%
1%
2%
Typical commute
10 to 19 minutes
10 to 19 minutes
Unreliable estimate
20 to 29 minutes
The rental vacancy rate in Cedar City is 8.0%, lower than in Iron County (9.6%).
Much as in Iron County, 2.6% of households in Cedar City have more than one person per room.
A household in Cedar City has 3.00 people on average, about the same as in Iron County (3.03).
The car rules in Cedar City: 72% of workers drive to work alone, and the typical trip takes 10 to 19 minutes.
Do the math
What would you pay each month for a home in Cedar City?
A typical home costs more than the typical income allows
We start with a typical home in Cedar City, worth $377,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 56% of the typical household income in Cedar City, which is $63,589 a year. For that payment to be 28% of income, a household would need to earn about $127,005 a year.
The calculator's FHA and conventional loan limits are those of all of Iron County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Cedar City. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $13,195 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$2,963
at 7.18% · 30 years
Loan amount
$370,172
Total interest
$532,590
Paid off in
November 2056
Includes $6,367 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,484 a month
Tight
$1,484 to $1,908 a month
Hard
more than $1,908 a month
Your payment · 56%
Compared with the typical household income in Cedar City ($63,589 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,508
Property tax
$132
Home insurance
$157
FHA mortgage insurance (MIP)
$167
You need at least $13,195 for the down payment, plus closing costs.
This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.
Total monthly payment $2,963; principal and interest $2,508.
The city and its county
Cedar City and Iron County
Cedar City is in Iron County, Utah. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).
Cedar City
Map of Iron County, Utah, with Cedar City marked. Around it, the neighboring counties.
Cedar City
Iron County
Other cities with a page
Cedar City's own numbers
Typical home value
$377,000
Typical monthly rent
$1,054
Typical yearly household income
$63,589
Households that own their home
57%
Effective property tax rate
0.42%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Iron County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,144
Price change over 5 years (FHFA)
+60%
HUD, FHFA and FEMA don't publish these numbers by city.
Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Iron County.
A typical home in Cedar City is worth $377,000: about the same as the county and 23% below Utah. With the typical household income in Cedar City ($63,589 a year), a typical home costs 5.9 times what the household earns in a year.
Years of income to pay for a typical home
The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.
Cedar City5.9 years
Iron5.7 years
Utah5.1 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Iron County
According to FHFA’s house price index, home prices in Iron County rose 132% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Iron County.
Yearly change in FHFA’s price index in Iron County, 2016 to 2025
2016: +6.2% +6.2% 2016
2017: +9.9% +9.9% 2017
2018: +9.9% +9.9% 2018
2019: +6.2% +6.2% 2019
2020: +6.1% +6.1% 2020
2021: +22.1% +22.1% 2021
2022: +22.1% +22.1% 2022
2023: +1.3% +1.3% 2023
2024: +1.2% +1.2% 2024
2025: +4.9% +4.9% 2025
Change in FHFA’s price index in Iron County, Utah and the United States
Period
County
Utah
U.S.
Last year (2025)
+4.9%
+2.4%
+2.9%
5 years (2020–2025)
+60%
+53%
+47%
10 years (2015–2025)
+132%
+121%
+85%
The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data
Cedar City next to Iron County, Utah and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Cedar City$377,000
Iron$379,000
Utah$489,400
United States$332,700
Typical monthly rent
Cedar City$1,054
Iron$1,065
Utah$1,496
United States$1,413
Typical yearly household income
Cedar City$63,589
Iron$66,247
Utah$95,166
United States$80,734
See the full table
Cedar City next to Iron County and Utah
Measure
Cedar City
Iron County
Utah
U.S.
Typical home value
$377,000
$379,000
$489,400
$332,700
Typical monthly rent
$1,054
$1,065
$1,496
$1,413
Typical yearly household income
$63,589 ▼4% below the county
$66,247
$95,166
$80,734
Households that own their home
57% ▼12 points below the county
68%
70%
65%
Typical yearly property tax
$1,570
$1,558
$2,525
$3,119
Effective property tax rate
0.42% ▲0.01 points above the county
0.41%
0.52%
0.94%
Renters with high rent for their income
53% ▼1 points below the county
54%
47%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Iron County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.
Four ways to pay for a typical home in Cedar City
For a typical $377,000 home in Cedar City, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Cedar City's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,963a month
Least cash to close
Down payment
$13,195
Cash to close
$24,505
Rate
7.18%
Mortgage insurance
FHA MIP · $167
Conventional, 5% down$2,894a month
Down payment
$18,850
Cash to close
$30,160
Rate
7.18%
Mortgage insurance
PMI · $179
Conventional, 20% down, no PMI$2,332a month
Down payment
$75,400
Cash to close
$86,710
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,681a month
Down payment
$56,550
Cash to close
$67,860
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Cedar City
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,963
$13,195
$370,172
7.18%
FHA MIP · $167
$24,505
580
Conventional, 5% down
$2,894
$18,850
$358,150
7.18%
PMI · $179
$30,160
620*
Conventional, 20% down, no PMI
$2,332
$75,400
$301,600
7.18%
None
$86,710
620*
ITIN, 15% down (example)
$2,681
$56,550
$320,450
8.18%
None
$67,860
Set by the lender
The option that asks for the least cash to close is FHA, 3.5% down.
Cash to close = down payment plus 3% of the price in closing costs (example).
Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.
Typical rent in Cedar City is $1,054 a month: about the same as the county. In Cedar City, 53% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Iron County, by unit size. To pay the 2-bedroom one ($1,144 a month) without spending more than 30% of your income, you would need to earn $22.00 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Iron County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$869
$16.71
$34,760
1 bedroom
$875
$16.83
$35,000
2 bedrooms
$1,144
$22.00
$45,760
3 bedrooms
$1,584
$30.46
$63,360
4 bedrooms
$1,912
$36.77
$76,480
Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027
By ZIP code
Fair market rent by ZIP code in Cedar City
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Cedar City has 2 ZIP codes with their own.
For 2 bedrooms it runs from $1,180 in 84721 to $1,420 in 84720.
2 of the 2 are above the fair market rent for Iron County ($1,144).
Fair market rent by ZIP code and size in Cedar City, fiscal year 2027.
84720
$1,090
$1,100
$1,420
$1,870
$2,370
84721
$900
$900
$1,180
$1,630
$1,970
ZIP code2 bd3 bd
84720 $1,420$1,870
84721 $1,180$1,630
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Cedar City when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD)Fiscal year 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
HUD lists 15 buildings with rents for lower incomes in Cedar City. These are the largest.
Kensington East426 E Nichols Canyon Rd, Cedar City 8472172 low-income homes · 2 bd: 56 · 3 bd: 16 · In service since 1998
Canyon View Apts.1264 N Cedar Blvd, Cedar City 8472180 homes, 64 low-income · 2 bd: 40 · 3 bd: 40 · In service since 2003
Kensington Place353 E Cobblecreek Dr, Cedar City 8472161 low-income homes · 2 bd: 40 · In service since 1997 · For families
Libertad Cedar City360 W 1045 N, Cedar City 8472180 homes, 56 low-income · 1 bd: 30 · 2 bd: 24 · 3 bd: 18 · 4 bd: 8 · In service since 2019 · For families, people experiencing homelessness
Northfield Village Apts.315 W 1175 N, Cedar City 8472152 low-income homes · 2 bd: 52 · In service since 1994
You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.
We found no HUD-approved agencies with an office in Iron County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Cedar City or Iron County. The ones below are statewide in Utah: they work in Cedar City the same as in the rest of the state.
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).
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).
No legal help resource on our list is for Cedar City or Iron County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Cedar City and all of Iron County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.
How much does a typical home cost in Cedar City?
The typical home value in Cedar City is $377,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Iron County it is $379,000.
How much does it cost to rent in Cedar City?
Typical rent in Cedar City is $1,054 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Iron County is $1,144.
What is the FHA loan limit in Cedar City?
Cedar City uses the FHA limit for all of Iron County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.
How much property tax do owners pay in Cedar City?
The typical homeowner in Cedar City pays $1,570 a year, according to the U.S. Census Bureau. That is 0.42% of the home’s value; in Iron County, the rate is 0.41%.
Where can I find free help to buy or rent in Cedar City?
We found no HUD-approved counseling agencies with an office in Iron County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
