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City · 37,696 residents · Salt Lake County, Utah

Kearns , Utah

In Kearns, a typical home is worth $373,700 and typical rent is $1,744 a month. Compared with all of Salt Lake County, the typical home value is 29% lower, typical household income is 11% lower, and the share of households that own their home is 18 points higher.

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  • Typical home value

    $373,700

    29% below the county

    24% below Utah

    • Kearns
    • Salt Lake
    • Utah

  • Typical rent

    $1,744a month

    10% above the county

    17% above Utah

    • Kearns
    • Salt Lake
    • Utah

  • Typical household income

    $86,968a year

    11% below the county

    9% below Utah

    • Kearns
    • Salt Lake
    • Utah

  • Households that own their home

    84%

    18 points above the county

    14 points above Utah

    • Kearns
    • Salt Lake
    • Utah

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

Market now, with Zillow data

Zillow data
Typical home value
$435,018
0.9% less than 12 months ago
Typical rent
$2,295 a month

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Kearns is in Salt Lake County. The FHA loan limit ($637,100 for a one-unit home), the fair market rents and the help on this page are those of all of Salt Lake County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Kearns apart

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

  1. 84% of households in Kearns own their home, against 66% in Salt Lake County.

  2. The typical home in Kearns is worth $373,700, 29% less than in Salt Lake County as a whole ($525,700).

  3. Nearby, in Taylorsville, the typical rent is $1,482: 15% less than in Kearns ($1,744).

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

The homes here

Housing in Kearns

What homes there are in Kearns, 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

The detached house rules in Kearns: 92% of homes, more than in Salt Lake County (60%).

Year built

In Kearns, half of the homes were built before 1977; in Salt Lake County, before 1986.

In Kearns, 86% of homes have 3 bedrooms or more, more than in Salt Lake County (65%).

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

About 97% of owner-occupied homes in Kearns are worth less than the FHA loan limit for Salt Lake County ($637,100).

Monthly rent with utilities

With a mortgage

$1,732 a month

Salt Lake County: $2,124 a month

Without a mortgage

$467 a month

Salt Lake County: $609 a month

Owners with a mortgage

74%

Salt Lake County: 70%

Owning costs less in Kearns: with a mortgage, the typical cost is $1,732 a month; in Salt Lake County, $2,124. Without one, $467.

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

The typical home value in Kearns rose 85% since 2015–2019, more than in Salt Lake County (72%).

Since 2015–2019, the typical rent in Kearns rose 33%, less than in Salt Lake County (42%).

The typical household income in Kearns rose 35% over that time; home values changed +85% and rent +33%.

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

MeasureKearnsSalt Lake CountyUtahUnited States
Rental vacancy Unreliable estimate5.5%5.5%5.5%
Homeowner vacancy Unreliable estimate0.6%0.6%0.9%
More than one person per room 5.5%3.0%3.1%3.4%
People per household 3.422.772.972.53
Drive alone 71%65%67%69%
Carpool 15%10%10%9%
Public transit Unreliable estimate2%2%3%
Walk or bike Unreliable estimate2%3%3%
Work from home 11%20%18%15%
Other means 1%1%1%2%
Typical commute 20 to 29 minutes20 to 29 minutesUnreliable estimate20 to 29 minutes

More than one person per room: that is how 5.5% of households in Kearns live, more than in Salt Lake County (3.0%).

On average, a household in Kearns has 3.42 people, more than in Salt Lake County (2.77).

Carpooling is common in Kearns: 15% of workers get to work that way, against 10% in Salt Lake County.

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 Kearns?

A typical home costs more than the typical income allows

We start with a typical home in Kearns, worth $373,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 42% of the typical household income in Kearns, which is $86,968 a year. For that payment to be 28% of income, a household would need to earn about $129,096 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Kearns. 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 $13,080 (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

$3,012

at 7.18% · 30 years

Loan amount
$366,931
Total interest
$527,927
Paid off in
November 2056

Includes $6,311 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,029 a month

  • Tight

    $2,029 to $2,609 a month

  • Hard

    more than $2,609 a month

    Your payment · 42%

Compared with the typical household income in Kearns ($86,968 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,012
Principal & interest$2,486
Property tax$206
Home insurance$156
FHA mortgage insurance (MIP)$165

You need at least $13,080 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

Kearns and Salt Lake County

Kearns is in Salt Lake 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).

Kearns's own numbers

Typical home value
$373,700
Typical monthly rent
$1,744
Typical yearly household income
$86,968
Households that own their home
84%
Effective property tax rate
0.66%

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

Numbers for all of Salt Lake County

FHA limit, one-unit home
$637,100
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,615
Price change over 5 years (FHFA)
+51%
Homes in a high flood-risk zone
0.6%

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 Salt Lake County.

Everything about Salt Lake County

Buying

Buying a home in Kearns

A typical home in Kearns is worth $373,700: 29% below the county and 24% below Utah. With the typical household income in Kearns ($86,968 a year), a typical home costs 4.3 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.

  • Kearns 4.3 years
  • Salt Lake 5.4 years
  • Utah 5.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Salt Lake County

According to FHFA’s house price index, home prices in Salt Lake County rose 120% in the 10 years through 2025.

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

Period County Utah U.S.
Last year (2025) +2.6% +2.4% +2.9%
5 years (2020–2025) +51% +53% +47%
10 years (2015–2025) +120% +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

Kearns next to Salt Lake 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
  • Kearns $373,700
  • Salt Lake $525,700
  • Utah $489,400
  • United States $332,700
Typical monthly rent
  • Kearns $1,744
  • Salt Lake $1,592
  • Utah $1,496
  • United States $1,413
Typical yearly household income
  • Kearns $86,968
  • Salt Lake $97,494
  • Utah $95,166
  • United States $80,734
See the full table
Kearns next to Salt Lake County and Utah
Measure Kearns Salt Lake County Utah U.S.
Typical home value $373,700 $525,700 $489,400 $332,700
Typical monthly rent $1,744 $1,592 $1,496 $1,413
Typical yearly household income $86,968 $97,494 $95,166 $80,734
Households that own their home 84% 66% 70% 65%
Typical yearly property tax $2,464 $2,836 $2,525 $3,119
Effective property tax rate 0.66% 0.54% 0.52% 0.94%
Renters with high rent for their income 49% 49% 47% 51%

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

For a typical $373,700 home in Kearns, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Kearns's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,012a month

    Least cash to close
    Down payment
    $13,080
    Cash to close
    $24,291
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $165

  • Conventional, 5% down $2,944a month

    Down payment
    $18,685
    Cash to close
    $29,896
    Rate
    7.18%
    Mortgage insurance
    PMI · $178

  • Conventional, 20% down, no PMI $2,387a month

    Down payment
    $74,740
    Cash to close
    $85,951
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,732a month

    Down payment
    $56,055
    Cash to close
    $67,266
    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 Kearns and for Salt Lake County.

Property tax

Effective rate in Kearns

0.66%of the home’s value each year

$2,464 a year for the typical owner in Kearns.

  • Kearns 0.66%
  • Salt Lake 0.54%
  • 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 Salt Lake County

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

Homes in the high-risk zone
0.6%
1,899
Of those, with NFIP insurance
16%
County Utah U.S.
Homes in the high-risk zone 0.6% 0.8% 3.5%
Of those, with NFIP insurance 16% 16% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Kearns

Typical rent in Kearns is $1,744 a month: 10% above the county. In Kearns, 49% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Salt Lake County, by unit size. To pay the 2-bedroom one ($1,615 a month) without spending more than 30% of your income, you would need to earn $31.06 an hour working full time.

HUD fair market rent for all of Salt Lake 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 $1,202 $23.12 $48,080
1 bedroom $1,349 $25.94 $53,960
2 bedrooms $1,615 $31.06 $64,600
3 bedrooms $2,143 $41.21 $85,720
4 bedrooms $2,439 $46.90 $97,560

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 Kearns

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Kearns is in ZIP code 84118.

For 2 bedrooms it is $1,860: $245 more than the fair market rent for Salt Lake County ($1,615).

  • 84118 $1,860$2,480

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Kearns 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?

Low-income apartments

Low-income apartments in Kearns

HUD lists one building with rents for lower incomes in Kearns.

  • ST. Andrews Park II 4236 W Old Miller Ct, Kearns 84118 9 low-income homes · 4 bd: 9 · In service since 1992

See all 193 buildings in Salt Lake County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Kearns

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.

There are 2 HUD-approved agencies with an office in Salt Lake County; 1 says it serves in Spanish.

A grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in Kearns

No down payment, repair or rent-help program on our list is for Kearns or Salt Lake County. The ones below are statewide in Utah: they work in Kearns 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 Kearns

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

  • Utah State University-Salt Lake County Extension

    2001 South State Street, Salt Lake City · 8 miles away

    • Homebuyer education workshops
    (385) 468-4830

  • Community Development Corporation of Utah

    501 E 1700 S, Salt Lake City · 9 miles away · Spanish

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

  • Neighborworks Mountain Country Home Solutions

    1031 W Center St Ste 302, Orem · 29 miles away

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

Every agency in Salt Lake County All counseling agencies in Utah

Help in Spanish near Kearns

1 of the 3 agencies on this list says it serves 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 Kearns

HUD’s record names them for Kearns or Salt Lake County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Housing Authority of the County of Salt Lake Public housing and Section 8 vouchers (801) 284-4400

2 other authorities have an office in Salt Lake County: see the list Source: HUD

Cities

Other cities in Salt Lake County

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

Everything about Salt Lake County Housing in Utah
See 6 more cities in Salt Lake County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

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

Neighboring counties

If Salt Lake 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 Kearns.

All guides
A father holds his baby and his young son by a white picket fence.

Questions

Housing questions about Kearns

Short answers with the numbers for Kearns and all of Salt Lake 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 Kearns?

The typical home value in Kearns is $373,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Salt Lake County it is $525,700.

How much does it cost to rent in Kearns?

Typical rent in Kearns is $1,744 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Salt Lake County is $1,615.

What is the FHA loan limit in Kearns?

Kearns uses the FHA limit for all of Salt Lake County (2026): $637,100 for a one-unit home and $1,225,200 for a four-unit home.

How much property tax do owners pay in Kearns?

The typical homeowner in Kearns pays $2,464 a year, according to the U.S. Census Bureau. That is 0.66% of the home’s value; in Salt Lake County, the rate is 0.54%.

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

There are 2 HUD-approved counseling agencies with an office in Salt Lake County. 1 says it serves in Spanish. 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).