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City · 5,312 residents · Grand County, Utah

Moab , Utah

In Moab, a typical home is worth $518,900 and typical rent is $969 a month. Compared with all of Grand County, typical rent is 13% lower, typical household income is 8% lower, and the share of households that own their home is 11 points lower.

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  • Typical home value

    $518,900

    4% below the county

    6% above Utah

    • Moab
    • Grand
    • Utah

  • Typical rent

    $969a month

    13% below the county

    35% below Utah

    • Moab
    • Grand
    • Utah

  • Typical household income

    $61,667a year

    8% below the county

    35% below Utah

    • Moab
    • Grand
    • Utah

  • Households that own their home

    60%

    11 points below the county

    11 points below Utah

    • Moab
    • Grand
    • Utah

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

Market now, with Zillow data

Zillow data
Typical home value
$576,114
2.6% less than 12 months ago
Typical rent
$2,019 a month

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

Moab is in Grand County. The FHA loan limit ($839,500 for a one-unit home), the fair market rents and the help on this page are those of all of Grand County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Moab apart

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

  1. Nearby, in Price, the typical home value is $225,600: 57% less than in Moab ($518,900).

  2. Moab has the 3rd lowest typical household income of the 97 cities in Utah with more than 5,000 people ($61,667).

  3. Moab has the 6th lowest typical rent of the 96 cities in Utah with more than 5,000 people ($969).

  4. According to Zillow, in the 12 months to September 2026 the typical home value in Moab fell 2.6%; in Utah, it rose 1.2%.

  5. 60% of households in Moab own their home, against 70% in Grand County.

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

The homes here

Housing in Moab

What homes there are in Moab, 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 still the most common home in Moab, but it weighs less than in Grand County: 56% against 63%.

There are more mobile homes here than in Grand County: 18% of homes, against 15%.

Year built

Homes in Moab are older: the typical year built is 1979; in Grand County, 1988.

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

$1,675 a month

Grand County: $1,700 a month

Without a mortgage

$422 a month

Grand County: $463 a month

Owners with a mortgage

56%

Grand County: 51%

In Moab, 56% of owners have a mortgage; their typical cost is $1,675 a month, about the same as in Grand County.

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

Much as in Grand County, the typical home value in Moab rose 118% since 2015–2019.

Rent in Moab moved so little since 2015–2019 that the Census cannot say whether it rose or fell.

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

MeasureMoabGrand 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 estimateUnreliable estimate3.1%3.4%
People per household 2.132.112.972.53
Drive alone 65%69%67%69%
Carpool Unreliable estimate13%10%9%
Public transit Unreliable estimateUnreliable estimate2%3%
Walk or bike 13%9%3%3%
Work from home 8%9%18%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute under 10 minutesUnreliable estimateUnreliable estimate20 to 29 minutes

Much as in Grand County, a household in Moab has 2.13 people on average.

More people walk or bike to work in Moab: 13%, against 9% in Grand 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 Moab?

A typical home costs more than the typical income allows

We start with a typical home in Moab, worth $518,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 79% of the typical household income in Moab, which is $61,667 a year. For that payment to be 28% of income, a household would need to earn about $174,809 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Moab. 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 $18,162 (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

$4,079

at 7.18% · 30 years

Loan amount
$509,501
Total interest
$733,052
Paid off in
November 2056

Includes $8,763 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,439 a month

  • Tight

    $1,439 to $1,850 a month

  • Hard

    more than $1,850 a month

    Your payment · 79%

Compared with the typical household income in Moab ($61,667 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,079
Principal & interest$3,452
Property tax$182
Home insurance$216
FHA mortgage insurance (MIP)$230

You need at least $18,162 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

Moab and Grand County

Moab is in Grand 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).

Moab's own numbers

Typical home value
$518,900
Typical monthly rent
$969
Typical yearly household income
$61,667
Households that own their home
60%
Effective property tax rate
0.42%

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

Numbers for all of Grand County

FHA limit, one-unit home
$839,500
Conventional limit, one unit
$839,500
HUD fair market rent, 2 bedrooms
$1,475
Price change over 5 years (FHFA)
+46%
Homes in a high flood-risk zone
4.1%

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 Grand County.

Everything about Grand County

Buying

Buying a home in Moab

A typical home in Moab is worth $518,900: 4% below the county and 6% above Utah. With the typical household income in Moab ($61,667 a year), a typical home costs 8.4 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.

  • Moab 8.4 years
  • Grand 8.0 years
  • Utah 5.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Grand County

According to FHFA’s house price index, home prices in Grand County rose 114% in the 10 years through 2025.

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

Period County Utah U.S.
Last year (2025) +0.1% +2.4% +2.9%
5 years (2020–2025) +46% +53% +47%
10 years (2015–2025) +114% +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

Moab next to Grand 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
  • Moab $518,900
  • Grand $538,700
  • Utah $489,400
  • United States $332,700
Typical monthly rent
  • Moab $969
  • Grand $1,118
  • Utah $1,496
  • United States $1,413
Typical yearly household income
  • Moab $61,667
  • Grand $67,106
  • Utah $95,166
  • United States $80,734
See the full table
Moab next to Grand County and Utah
Measure Moab Grand County Utah U.S.
Typical home value $518,900 $538,700 $489,400 $332,700
Typical monthly rent $969 $1,118 $1,496 $1,413
Typical yearly household income $61,667 $67,106 $95,166 $80,734
Households that own their home 60% 70% 70% 65%
Typical yearly property tax $2,200 $2,215 $2,525 $3,119
Effective property tax rate 0.42% 0.41% 0.52% 0.94%
Renters with high rent for their income 54% 42% 47% 51%

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

For a typical $518,900 home in Moab, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Moab's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,079a month

    Least cash to close
    Down payment
    $18,162
    Cash to close
    $33,729
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $230

  • Conventional, 5% down $3,984a month

    Down payment
    $25,945
    Cash to close
    $41,512
    Rate
    7.18%
    Mortgage insurance
    PMI · $246

  • Conventional, 20% down, no PMI $3,210a month

    Down payment
    $103,780
    Cash to close
    $119,347
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,690a month

    Down payment
    $77,835
    Cash to close
    $93,402
    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 Moab and for Grand County.

Property tax

Effective rate in Moab

0.42%of the home’s value each year

$2,200 a year for the typical owner in Moab.

  • Moab 0.42%
  • Grand 0.41%
  • 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 Grand County

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

Homes in the high-risk zone
4.1%
192
Of those, with NFIP insurance
33%
County Utah U.S.
Homes in the high-risk zone 4.1% 0.8% 3.5%
Of those, with NFIP insurance 33% 16% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Moab

Typical rent in Moab is $969 a month: 13% below the county. In Moab, 54% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Grand County, by unit size. To pay the 2-bedroom one ($1,475 a month) without spending more than 30% of your income, you would need to earn $28.37 an hour working full time.

HUD fair market rent for all of Grand 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 $1,104 $21.23 $44,160
1 bedroom $1,173 $22.56 $46,920
2 bedrooms $1,475 $28.37 $59,000
3 bedrooms $2,042 $39.27 $81,680
4 bedrooms $2,465 $47.40 $98,600

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 Moab

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Moab is in ZIP code 84532.

For 2 bedrooms it is $1,470: $5 less than the fair market rent for Grand County ($1,475).

  • 84532 $1,470$2,030

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

HUD lists 7 buildings with rents for lower incomes in Moab. These are the largest.

  • Cinema Court Apartments 1036 Millcreek Dr, Moab 84532 60 low-income homes · 1 bd: 15 · 2 bd: 30 · 3 bd: 15 · In service since 2012
  • Kane Creek Apts. 101 Kane Creek Blvd, Moab 84532 36 low-income homes · 2 bd: 36 · In service since 1995
  • Rock Ridge Senior Housing 540 E 100 N, Moab 84532 35 low-income homes · For older adults (435) 259-5104
  • Huntridge Apts. 622 Kane Creek Blvd, Moab 84532 24 homes, 23 low-income · 1 bd: 2 · 2 bd: 18 · In service since 2005
  • Archway Village Apartments 550 Kane Creek Blvd, Moab 84532 20 homes, 19 low-income · 1 bd: 20 · In service since 2014 · For older adults, people experiencing homelessness

See all 7 buildings in Grand County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Moab

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 Grand 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 Moab

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

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

  • Community Action Services

    815 S Freedom Blvd, Provo · 161 miles away · Spanish

    Also serves in Vietnamese.

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

  • Neighborworks Mountain Country Home Solutions

    1031 W Center St Ste 302, Orem · 166 miles away

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

  • Community Development Corporation of Utah

    501 E 1700 S, Salt Lake City · 194 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 Moab

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 Moab

In HUD’s record, no housing authority with an office in Grand County is named for Moab or Grand County.

One other authority has an office in Grand County: see the list Source: HUD

Cities

Nearby cities

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

Everything about Grand County Housing in Utah

Neighboring counties

If Grand 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 Moab.

All guides
A father and mother walk their son by the hand down the sidewalk.

Questions

Housing questions about Moab

Short answers with the numbers for Moab and all of Grand 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 Moab?

The typical home value in Moab is $518,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Grand County it is $538,700.

How much does it cost to rent in Moab?

Typical rent in Moab is $969 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Grand County is $1,475.

What is the FHA loan limit in Moab?

Moab uses the FHA limit for all of Grand County (2026): $839,500 for a one-unit home and $1,614,450 for a four-unit home.

How much property tax do owners pay in Moab?

The typical homeowner in Moab pays $2,200 a year, according to the U.S. Census Bureau. That is 0.42% of the home’s value; in Grand County, the rate is 0.41%.

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

We found no HUD-approved counseling agencies with an office in Grand 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).