In Ephraim, a typical home is worth $423,700 and typical rent is $928 a month. Compared with all of Sanpete County, the typical home value is 22% higher, typical household income is 5% lower, and the share of households that own their home is 25 points lower.
Ephraim is in Sanpete 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 Sanpete County. See the county
What this place has that others do not, from public data, most unusual first.
1
50% of households in Ephraim own their home, against 74% in Sanpete County.
2
Nearby, in Price, the typical home value is $225,600: 47% less than in Ephraim ($423,700).
3
Ephraim has the 4th lowest typical rent of the 96 cities in Utah with more than 5,000 people ($928).
4
The typical home in Ephraim is worth $423,700,22% more than in Sanpete County as a whole ($347,200).
5
Ephraim has the 7th lowest typical household income of the 97 cities in Utah with more than 5,000 people ($66,541).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Ephraim
What homes there are in Ephraim, 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
Ephraim
Sanpete County
Utah
United States
Kind of home: Ephraim and its comparisons
Measure
Ephraim
Sanpete County
Utah
United States
Detached house
66%
86%
67%
61%
Attached house
Unreliable estimate
Unreliable estimate
8%
6%
Building of 2 to 4
Unreliable estimate
5%
7%
8%
Apartments (5 or more)
Unreliable estimate
4%
16%
19%
Mobile home
Unreliable estimate
4%
3%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Ephraim, 7 in 10 homes are single-family detached houses; in Sanpete County, 9.
Year built
Before 19601960–19791980–19992000–20092010 or later
Ephraim
Sanpete County
Utah
United States
Year built: Ephraim and its comparisons
Measure
Ephraim
Sanpete County
Utah
United States
Before 1960
16%
29%
15%
26%
1960–1979
15%
16%
20%
24%
1980–1999
23%
28%
26%
25%
2000–2009
29%
17%
18%
14%
2010 or later
17%
11%
21%
11%
By size, homes in Ephraim look like those in Sanpete County: 74% have 3 bedrooms or more.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200KUnreliable
$200K–$300K17%
$300K–$500K58%
$500K–$750K12%
$750K–$1M9%
$1M or moreUnreliable
Value of owner-occupied homes: Ephraim and its comparisons
Measure
Ephraim
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
17%
$300K–$500K
58%
$500K–$750K
12%
$750K–$1M
9%
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99946%
$1,000–$1,49935%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Ephraim and its comparisons
Measure
Ephraim
Under $500
Unreliable estimate
$500–$999
46%
$1,000–$1,499
35%
$1,500–$1,999
Unreliable
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,635 a month
Sanpete County: $1,453 a month
Without a mortgage
$616 a month
Sanpete County: $480 a month
Owners with a mortgage
73%
Sanpete County: 62%
Owning costs more in Ephraim: with a mortgage, the typical cost is $1,635 a month; in Sanpete County, $1,453. Without one, $616.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Ephraim+94%
Sanpete County+84%
Utah+75%
United States+53%
Typical rent
Ephraim+32%
Sanpete County+31%
Utah+44%
United States+33%
Typical household income
Ephraim+53%
Sanpete County+30%
Utah+33%
United States+29%
Change since 2015–2019: Ephraim and its comparisons
Measure
Ephraim
Sanpete County
Utah
United States
Typical home value
+94%
+84%
+75%
+53%
Typical rent
+32%
+31%
+44%
+33%
Typical household income
+53%
+30%
+33%
+29%
The typical home value in Ephraim rose 94% since 2015–2019, more than in Sanpete County (84%).
Rents in Ephraim rose at about the same pace as in Sanpete County: 32% since 2015–2019, against 31%.
To compare: typical income in Ephraim rose 53%; the home, +94%; the rent, +32%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Ephraim and its comparisons
Measure
Ephraim
Sanpete County
Utah
United States
Rental vacancy
Unreliable estimate
Unreliable estimate
5.5%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.6%
0.9%
More than one person per room
Unreliable estimate
4.4%
3.1%
3.4%
People per household
3.08
3.04
2.97
2.53
Drive alone
66%
72%
67%
69%
Carpool
14%
14%
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
2%
3%
Walk or bike
13%
5%
3%
3%
Work from home
7%
9%
18%
15%
Other means
Unreliable estimate
Unreliable estimate
1%
2%
Typical commute
Unreliable estimate
10 to 19 minutes
Unreliable estimate
20 to 29 minutes
A household in Ephraim has 3.08 people on average, about the same as in Sanpete County (3.04).
In Ephraim, 13% of workers walk or bike to work; in Sanpete County, 5%.
Do the math
What would you pay each month for a home in Ephraim?
A typical home costs more than the typical income allows
We start with a typical home in Ephraim, worth $423,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 61% of the typical household income in Ephraim, which is $66,541 a year. For that payment to be 28% of income, a household would need to earn about $144,402 a year.
The calculator's FHA and conventional loan limits are those of all of Sanpete 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 Ephraim. 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 $14,830 (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
$3,369
at 7.18% · 30 years
Loan amount
$416,025
Total interest
$598,563
Paid off in
November 2056
Includes $7,155 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,553 a month
Tight
$1,553 to $1,996 a month
Hard
more than $1,996 a month
Your payment · 61%
Compared with the typical household income in Ephraim ($66,541 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,818
Property tax
$187
Home insurance
$177
FHA mortgage insurance (MIP)
$187
You need at least $14,830 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 $3,369; principal and interest $2,818.
The city and its county
Ephraim and Sanpete County
Ephraim is in Sanpete 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).
Ephraim
Map of Sanpete County, Utah, with Ephraim marked. Around it, the neighboring counties.
Ephraim
Sanpete County
Other cities with a page
Ephraim's own numbers
Typical home value
$423,700
Typical monthly rent
$928
Typical yearly household income
$66,541
Households that own their home
50%
Effective property tax rate
0.53%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Sanpete County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,145
Price change over 5 years (FHFA)
+64%
Homes in a high flood-risk zone
3.7%
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 Sanpete County.
A typical home in Ephraim is worth $423,700: 22% above the county and 13% below Utah. With the typical household income in Ephraim ($66,541 a year), a typical home costs 6.4 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.
Ephraim6.4 years
Sanpete5.0 years
Utah5.1 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Sanpete County
According to FHFA’s house price index, home prices in Sanpete County rose 124% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Sanpete County.
Yearly change in FHFA’s price index in Sanpete County, 2016 to 2025
2016: +2.2% +2.2% 2016
2017: +11.4% +11.4% 2017
2018: +4.7% +4.7% 2018
2019: +8.7% +8.7% 2019
2020: +5.8% +5.8% 2020
2021: +18.4% +18.4% 2021
2022: +25.1% +25.1% 2022
2023: +5.8% +5.8% 2023
2024: −0.1% −0.1% 2024
2025: +4.6% +4.6% 2025
Change in FHFA’s price index in Sanpete County, Utah and the United States
Period
County
Utah
U.S.
Last year (2025)
+4.6%
+2.4%
+2.9%
5 years (2020–2025)
+64%
+53%
+47%
10 years (2015–2025)
+124%
+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
Ephraim next to Sanpete 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
Ephraim$423,700
Sanpete$347,200
Utah$489,400
United States$332,700
Typical monthly rent
Ephraim$928
Sanpete$954
Utah$1,496
United States$1,413
Typical yearly household income
Ephraim$66,541
Sanpete$70,083
Utah$95,166
United States$80,734
See the full table
Ephraim next to Sanpete County and Utah
Measure
Ephraim
Sanpete County
Utah
U.S.
Typical home value
$423,700 ▲22% above the county
$347,200
$489,400
$332,700
Typical monthly rent
$928 ▼3% below the county
$954
$1,496
$1,413
Typical yearly household income
$66,541 ▼5% below the county
$70,083
$95,166
$80,734
Households that own their home
50% ▼25 points below the county
74%
70%
65%
Typical yearly property tax
$2,242 ▲38% above the county
$1,619
$2,525
$3,119
Effective property tax rate
0.53% ▲0.06 points above the county
0.47%
0.52%
0.94%
Renters with high rent for their income
40% ▼3 points below the county
42%
47%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Sanpete 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 Ephraim
For a typical $423,700 home in Ephraim, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Ephraim's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$3,369a month
Least cash to close
Down payment
$14,830
Cash to close
$27,541
Rate
7.18%
Mortgage insurance
FHA MIP · $187
Conventional, 5% down$3,292a month
Down payment
$21,185
Cash to close
$33,896
Rate
7.18%
Mortgage insurance
PMI · $201
Conventional, 20% down, no PMI$2,660a month
Down payment
$84,740
Cash to close
$97,451
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$3,052a month
Down payment
$63,555
Cash to close
$76,266
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Ephraim
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$3,369
$14,830
$416,026
7.18%
FHA MIP · $187
$27,541
580
Conventional, 5% down
$3,292
$21,185
$402,515
7.18%
PMI · $201
$33,896
620*
Conventional, 20% down, no PMI
$2,660
$84,740
$338,960
7.18%
None
$97,451
620*
ITIN, 15% down (example)
$3,052
$63,555
$360,145
8.18%
None
$76,266
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 Ephraim is $928 a month: 3% below the county. In Ephraim, 40% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Sanpete County, by unit size. To pay the 2-bedroom one ($1,145 a month) without spending more than 30% of your income, you would need to earn $22.02 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 Sanpete County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$857
$16.48
$34,280
1 bedroom
$875
$16.83
$35,000
2 bedrooms
$1,145
$22.02
$45,800
3 bedrooms
$1,364
$26.23
$54,560
4 bedrooms
$1,505
$28.94
$60,200
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 Ephraim
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Ephraim is in ZIP code 84627.
For 2 bedrooms it is $1,110: $35 less than the fair market rent for Sanpete County ($1,145).
Fair market rent by ZIP code and size in Ephraim, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
84627
$830
$850
$1,110
$1,320
$1,460
ZIP code2 bd3 bd
84627 $1,110$1,320
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Ephraim 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)
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 Sanpete 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 Ephraim or Sanpete County. The ones below are statewide in Utah: they work in Ephraim 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 Ephraim or Sanpete 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 Ephraim and all of Sanpete 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 Ephraim?
The typical home value in Ephraim is $423,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Sanpete County it is $347,200.
How much does it cost to rent in Ephraim?
Typical rent in Ephraim is $928 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Sanpete County is $1,145.
What is the FHA loan limit in Ephraim?
Ephraim uses the FHA limit for all of Sanpete 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 Ephraim?
The typical homeowner in Ephraim pays $2,242 a year, according to the U.S. Census Bureau. That is 0.53% of the home’s value; in Sanpete County, the rate is 0.47%.
Where can I find free help to buy or rent in Ephraim?
We found no HUD-approved counseling agencies with an office in Sanpete County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
