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City · 6,171 residents · Wasatch County, Utah

Midway , Utah

In Midway, a typical home is worth $892,800 and typical rent is $3,399 a month. Compared with all of Wasatch County, typical rent is 70% higher and typical household income is 34% higher.

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  • Typical home value

    $892,800

    13% above the county

    82% above Utah

    • Midway
    • Wasatch
    • Utah

  • Typical rent

    $3,399a month

    70% above the county

    127% above Utah

    • Midway
    • Wasatch
    • Utah

  • Typical household income

    $157,065a year

    34% above the county

    65% above Utah

    • Midway
    • Wasatch
    • Utah

  • Households that own their home

    84%

    3 points above the county

    14 points above Utah

    • Midway
    • Wasatch
    • Utah

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

Market now, with Zillow data

Zillow data
Typical home value
$937,356
4.2% more than 12 months ago
Typical rent
$2,650 a month

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

Midway 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 Midway apart

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

  1. The typical rent in Midway is $3,399 a month, 70% more than in Wasatch County as a whole ($2,000).

  2. Nearby, in Heber, the typical rent is $1,870: 45% less than in Midway ($3,399).

  3. Midway has the 4th highest typical household income of the 97 cities in Utah with more than 5,000 people ($157,065).

  4. Nearby, in Heber, the typical home value is $654,200: 27% less than in Midway ($892,800).

  5. Midway has the 6th highest typical home value of the 97 cities in Utah with more than 5,000 people ($892,800).

  6. According to Zillow, in the 12 months to September 2026 the typical home value in Midway rose 4.2%; in Utah, it rose 1.2%.

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in Midway

What homes there are in Midway, 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 is the most common home in Midway: 78% of homes, near the figure in Wasatch County (77%).

Year built

By age, homes in Midway look like those in Wasatch County: the typical year built is 2006.

In Midway, 87% of homes have 3 bedrooms or more, about the same as in Wasatch County.

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

$3,072 a month

Wasatch County: $2,617 a month

Without a mortgage

$796 a month

Wasatch County: $761 a month

Owners with a mortgage

64%

Wasatch County: 70%

The typical cost for an owner with a mortgage in Midway is $3,072 a month, more than in Wasatch County ($2,617); without one, $796.

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 Midway rose 99%; in Wasatch County, it rose 88%.

Much as in Wasatch County, the typical rent in Midway rose 48% since 2015–2019.

While home values in Midway changed +99% and rent +48%, the typical household income rose 80%.

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

MeasureMidwayWasatch 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 2.842.832.972.53
Drive alone 64%68%67%69%
Carpool Unreliable estimate10%10%9%
Public transit Unreliable estimateUnreliable estimate2%3%
Walk or bike Unreliable estimateUnreliable estimate3%3%
Work from home 29%19%18%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute Unreliable estimateUnreliable estimateUnreliable estimate20 to 29 minutes

A household in Midway has 2.84 people on average, about the same as in Wasatch County (2.83).

Working from home is more common in Midway: 29%, against 19% in Wasatch 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 Midway?

A typical home costs more than the typical income allows

We start with a typical home in Midway, worth $892,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 55% of the typical household income in Midway, which is $157,065 a year. For that payment to be 28% of income, a household would need to earn about $309,474 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 Midway. 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 $31,248 (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

$7,221

at 7.18% · 30 years

Loan amount
$876,629
Total interest
$1,261,264
Paid off in
November 2056

Includes $15,077 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $3,665 a month

  • Tight

    $3,665 to $4,712 a month

  • Hard

    more than $4,712 a month

    Your payment · 55%

Compared with the typical household income in Midway ($157,065 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$7,221
Principal & interest$5,939
Property tax$372
Home insurance$372
FHA mortgage insurance (MIP)$538

You need at least $31,248 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

Midway and Wasatch County

Midway 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).

Midway's own numbers

Typical home value
$892,800
Typical monthly rent
$3,399
Typical yearly household income
$157,065
Households that own their home
84%
Effective property tax rate
0.5%

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 Midway

A typical home in Midway is worth $892,800: 13% above the county and 82% above Utah. With the typical household income in Midway ($157,065 a year), a typical home costs 5.7 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.

  • Midway 5.7 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

Midway 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
  • Midway $892,800
  • Wasatch $787,300
  • Utah $489,400
  • United States $332,700
Typical monthly rent
  • Midway $3,399
  • Wasatch $2,000
  • Utah $1,496
  • United States $1,413
Typical yearly household income
  • Midway $157,065
  • Wasatch $117,608
  • Utah $95,166
  • United States $80,734
See the full table
Midway next to Wasatch County and Utah
Measure Midway Wasatch County Utah U.S.
Typical home value $892,800 $787,300 $489,400 $332,700
Typical monthly rent $3,399 $2,000 $1,496 $1,413
Typical yearly household income $157,065 $117,608 $95,166 $80,734
Households that own their home 84% 80% 70% 65%
Typical yearly property tax $4,490 $3,624 $2,525 $3,119
Effective property tax rate 0.5% 0.46% 0.52% 0.94%

“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 Midway

For a typical $892,800 home in Midway, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Midway's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $7,221a month

    Least cash to close
    Down payment
    $31,248
    Cash to close
    $58,032
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $538

  • Conventional, 5% down $6,914a month

    Down payment
    $44,640
    Cash to close
    $71,424
    Rate
    7.18%
    Mortgage insurance
    PMI · $424

  • Conventional, 20% down, no PMI $5,583a month

    Down payment
    $178,560
    Cash to close
    $205,344
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $6,408a month

    Down payment
    $133,920
    Cash to close
    $160,704
    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 Midway and for Wasatch County.

Property tax

Effective rate in Midway

0.5%of the home’s value each year

$4,490 a year for the typical owner in Midway.

  • Midway 0.5%
  • 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 Midway

Typical rent in Midway is $3,399 a month: 70% above the county.

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 Midway

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Midway is in ZIP code 84049.

For 2 bedrooms it is $2,570: $855 more than the fair market rent for Wasatch County ($1,715).

  • 84049 $2,570$3,560

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

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 leans over the armchair where a girl is reading a book.

HUD counseling is free or low-cost

Assistance programs in Midway

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

The HUD-approved agencies closest to the center of Midway, 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 · 20 miles away

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

  • Community Action Services

    815 S Freedom Blvd, Provo · 23 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 · 26 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 Midway

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 Midway

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 Midway, 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 Midway.

All guides
A father smiles as he carries his baby on his shoulders outdoors.

Questions

Housing questions about Midway

Short answers with the numbers for Midway 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 Midway?

The typical home value in Midway is $892,800, 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 Midway?

Typical rent in Midway is $3,399 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 Midway?

Midway 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 Midway?

The typical homeowner in Midway pays $4,490 a year, according to the U.S. Census Bureau. That is 0.5% of the home’s value; in Wasatch County, the rate is 0.46%.

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

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).