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City · 18,015 residents · Wasatch County, Utah

Heber , Utah

In Heber, a typical home is worth $654,200 and typical rent is $1,870 a month. Compared with all of Wasatch County, the typical home value is 17% lower and typical rent is 7% lower.

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  • Typical home value

    $654,200

    17% below the county

    34% above Utah

    • Heber
    • Wasatch
    • Utah

  • Typical rent

    $1,870a month

    7% below the county

    25% above Utah

    • Heber
    • Wasatch
    • Utah

  • Typical household income

    $110,339a year

    6% below the county

    16% above Utah

    • Heber
    • Wasatch
    • Utah

  • Households that own their home

    82%

    2 points above the county

    12 points above Utah

    • Heber
    • Wasatch
    • Utah

Source: U.S. Census Bureau, Average 2020–2024

Heber is in Wasatch County. The FHA loan limit ($1,163,800 for a one-unit home), the fair market rents and the help on this page are those of all of Wasatch County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Heber apart

What this place has that others do not, from public data, most unusual first.

  1. The typical home in Heber is worth $654,200, 17% less than in Wasatch County as a whole ($787,300).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Heber

What homes there are in Heber, 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

In Heber, 8 in 10 homes are single-family detached houses, about the same as in Wasatch County.

Year built

The typical year built in Heber is 2003, about the same as in Wasatch County (2005).

Much as in Wasatch County, 86% of homes in Heber have 3 bedrooms or more.

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
Monthly rent with utilities

With a mortgage

$2,347 a month

Wasatch County: $2,617 a month

Without a mortgage

$612 a month

Wasatch County: $761 a month

Owners with a mortgage

79%

Wasatch County: 70%

The typical cost for an owner with a mortgage in Heber is $2,347 a month, less than in Wasatch County ($2,617); without one, $612.

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, home values in Heber rose at about the same pace as in Wasatch County: 88% against 88%.

Rents in Heber rose faster than in Wasatch County: 51% since 2015–2019, against 47%.

While home values in Heber changed +88% and rent +51%, the typical household income rose 48%.

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

MeasureHeberWasatch CountyUtahUnited States
Rental vacancy Unreliable estimateUnreliable estimate5.5%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.6%0.9%
More than one person per room Unreliable estimate2.4%3.1%3.4%
People per household 3.112.832.972.53
Drive alone 73%68%67%69%
Carpool 13%10%10%9%
Public transit Unreliable estimateUnreliable estimate2%3%
Walk or bike Unreliable estimateUnreliable estimate3%3%
Work from home 11%19%18%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute Unreliable estimateUnreliable estimateUnreliable estimate20 to 29 minutes

On average, a household in Heber has 3.11 people, more than in Wasatch County (2.83).

To get to work, 73% of workers in Heber drive alone; in Wasatch County, 68%.

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

Do the math

What would you pay each month for a home in Heber?

A typical home costs more than the typical income allows

We start with a typical home in Heber, worth $654,200, 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 Heber, which is $110,339 a year. For that payment to be 28% of income, a household would need to earn about $221,090 a year.

The calculator's FHA and conventional loan limits are those of all of Wasatch County.

Your numbers

Local data
$

Starts at the typical home value in Heber. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $22,897 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$5,159

at 7.18% · 30 years

Loan amount
$642,351
Total interest
$924,192
Paid off in
November 2056

Includes $11,048 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,575 a month

  • Tight

    $2,575 to $3,310 a month

  • Hard

    more than $3,310 a month

    Your payment · 56%

Compared with the typical household income in Heber ($110,339 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$5,159
Principal & interest$4,352
Property tax$245
Home insurance$273
FHA mortgage insurance (MIP)$289

You need at least $22,897 for the down payment, plus closing costs.

Next step

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.

The city and its county

Heber and Wasatch County

Heber is in Wasatch 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).

Heber's own numbers

Typical home value
$654,200
Typical monthly rent
$1,870
Typical yearly household income
$110,339
Households that own their home
82%
Effective property tax rate
0.45%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Wasatch County

FHA limit, one-unit home
$1,163,800
Conventional limit, one unit
$1,150,000
HUD fair market rent, 2 bedrooms
$1,715
Price change over 5 years (FHFA)
+59%
Homes in a high flood-risk zone
0.7%

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 Wasatch County.

Everything about Wasatch County

Buying

Buying a home in Heber

A typical home in Heber is worth $654,200: 17% below the county and 34% above Utah. With the typical household income in Heber ($110,339 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.

  • Heber 5.9 years
  • Wasatch 6.7 years
  • Utah 5.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Wasatch County

According to FHFA’s house price index, home prices in Wasatch County rose 134% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Wasatch County.

Period County Utah U.S.
Last year (2025) +3.4% +2.4% +2.9%
5 years (2020–2025) +59% +53% +47%
10 years (2015–2025) +134% +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

Heber next to Wasatch 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
  • Heber $654,200
  • Wasatch $787,300
  • Utah $489,400
  • United States $332,700
Typical monthly rent
  • Heber $1,870
  • Wasatch $2,000
  • Utah $1,496
  • United States $1,413
Typical yearly household income
  • Heber $110,339
  • Wasatch $117,608
  • Utah $95,166
  • United States $80,734
See the full table
Heber next to Wasatch County and Utah
Measure Heber Wasatch County Utah U.S.
Typical home value $654,200 $787,300 $489,400 $332,700
Typical monthly rent $1,870 $2,000 $1,496 $1,413
Typical yearly household income $110,339 $117,608 $95,166 $80,734
Households that own their home 82% 80% 70% 65%
Typical yearly property tax $2,922 $3,624 $2,525 $3,119
Effective property tax rate 0.45% 0.46% 0.52% 0.94%
Renters with high rent for their income 49% 50% 47% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Wasatch 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 Heber

For a typical $654,200 home in Heber, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Heber's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $5,159a month

    Least cash to close
    Down payment
    $22,897
    Cash to close
    $42,523
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $289

  • Conventional, 5% down $5,039a month

    Down payment
    $32,710
    Cash to close
    $52,336
    Rate
    7.18%
    Mortgage insurance
    PMI · $311

  • Conventional, 20% down, no PMI $4,063a month

    Down payment
    $130,840
    Cash to close
    $150,466
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $4,668a month

    Down payment
    $98,130
    Cash to close
    $117,756
    Rate
    8.18%
    Mortgage insurance
    None

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.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Heber and for Wasatch County.

Property tax

Effective rate in Heber

0.45%of the home’s value each year

$2,922 a year for the typical owner in Heber.

  • Heber 0.45%
  • Wasatch 0.46%
  • Utah 0.52%

What Utah publishes Primary residential exemption (45 percent of value) (Utah State Legislature (Utah Code))

Exemptions and deadlines in Utah

Flood risk in Wasatch County

FEMA does not publish these numbers by city: they are for all of Wasatch County.

Homes in the high-risk zone
0.7%
101
Of those, with NFIP insurance
41%
County Utah U.S.
Homes in the high-risk zone 0.7% 0.8% 3.5%
Of those, with NFIP insurance 41% 16% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Heber

Typical rent in Heber is $1,870 a month: 7% below the county. In Heber, 49% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Wasatch County, by unit size. To pay the 2-bedroom one ($1,715 a month) without spending more than 30% of your income, you would need to earn $32.98 an hour working full time.

HUD fair market rent for all of Wasatch County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,284 $24.69 $51,360
1 bedroom $1,575 $30.29 $63,000
2 bedrooms $1,715 $32.98 $68,600
3 bedrooms $2,375 $45.67 $95,000
4 bedrooms $2,867 $55.13 $114,680

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 Heber

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Heber is in ZIP code 84032.

For 2 bedrooms it is $1,620: $95 less than the fair market rent for Wasatch County ($1,715).

  • 84032 $1,620$2,240

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Heber 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 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Free help

Help to buy or rent in Heber

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 Wasatch County. The nearest ones are below; many serve by phone or online.

A man listens closely, seated at a meeting table.

HUD counseling is free or low-cost

Assistance programs in Heber

No down payment, repair or rent-help program on our list is for Heber or Wasatch County. The ones below are statewide in Utah: they work in Heber the same as in the rest of the state.

Which programs do I qualify for? All programs in Utah

  • Utah Housing Down Payment Assistance Second Mortgage

    Statewide in Utah

    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

    See the program Official page

  • First-time Homebuyer Assistance Program

    Statewide in Utah

    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

    See the program Official page

Housing counselors near Heber

The HUD-approved agencies closest to the center of Heber, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Neighborworks Mountain Country Home Solutions

    1031 W Center St Ste 302, Orem · 24 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (801) 375-5820

  • Community Action Services

    815 S Freedom Blvd, Provo · 26 miles away · Spanish

    Also serves in Vietnamese.

    • Budget and financial counseling
    • Budget and credit workshops
    • and 2 more
    (801) 373-8200

  • Community Development Corporation of Utah

    501 E 1700 S, Salt Lake City · 29 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    801-994-7222x200

All counseling agencies in Utah

Help in Spanish near Heber

2 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Heber

HUD lists no housing authority with an office in Wasatch County. One in a neighboring county or the state’s may serve the area.

All housing agencies in Utah Source: HUD

Cities

Other cities in Wasatch County

These cities are also in Wasatch County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Wasatch County Housing in Utah

Nearby cities

The cities closest to Heber, with the typical home value.

Neighboring counties

If Wasatch County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Heber.

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

Questions

Housing questions about Heber

Short answers with the numbers for Heber and all of Wasatch 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 Heber?

The typical home value in Heber is $654,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Wasatch County it is $787,300.

How much does it cost to rent in Heber?

Typical rent in Heber is $1,870 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Wasatch County is $1,715.

What is the FHA loan limit in Heber?

Heber uses the FHA limit for all of Wasatch County (2026): $1,163,800 for a one-unit home and $2,238,150 for a four-unit home.

How much property tax do owners pay in Heber?

The typical homeowner in Heber pays $2,922 a year, according to the U.S. Census Bureau. That is 0.45% of the home’s value; in Wasatch County, the rate is 0.46%.

Where can I find free help to buy or rent in Heber?

We found no HUD-approved counseling agencies with an office in Wasatch County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).