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City · 6,885 residents · Juab County, Utah

Nephi , Utah

In Nephi, a typical home is worth $416,000 and typical rent is $1,007 a month. Compared with all of Juab County, typical rent is 11% higher.

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  • Typical home value

    $416,000

    2% below the county

    15% below Utah

    • Nephi
    • Juab
    • Utah

  • Typical rent

    $1,007a month

    11% above the county

    33% below Utah

    • Nephi
    • Juab
    • Utah

  • Typical household income

    $106,108a year

    4% above the county

    11% above Utah

    • Nephi
    • Juab
    • Utah

  • Households that own their home

    80%

    4 points below the county

    10 points above Utah

    • Nephi
    • Juab
    • Utah

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

Market now, with Zillow data

Zillow data
Typical home value
$451,919
3.3% more than 12 months ago

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

Nephi is in Juab County. The FHA loan limit ($601,450 for a one-unit home), the fair market rents and the help on this page are those of all of Juab County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Nephi apart

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

  1. Nephi has the 4th smallest share of rent-burdened renters of the 75 cities in Utah with more than 5,000 people (29%).

  2. Nephi has the 10th lowest typical rent of the 96 cities in Utah with more than 5,000 people ($1,007).

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

The homes here

Housing in Nephi

What homes there are in Nephi, 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 Nephi: 87% of homes, near the figure in Juab County (89%).

Year built

By size, homes in Nephi look like those in Juab County: 86% 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

$1,826 a month

Juab County: $1,778 a month

Without a mortgage

$524 a month

Juab County: $490 a month

Owners with a mortgage

70%

Juab County: 64%

In Nephi, 70% of owners have a mortgage; their typical cost is $1,826 a month, about the same as in Juab 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

The typical home value in Nephi rose 93% since 2015–2019, about the same as in Juab County (91%).

Since 2015–2019, the typical rent in Nephi did not change clearly, according to the Census.

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

MeasureNephiJuab 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 estimate3.6%3.1%3.4%
People per household 3.093.222.972.53
Drive alone 81%75%67%69%
Carpool 12%11%10%9%
Public transit Unreliable estimateUnreliable estimate2%3%
Walk or bike Unreliable estimate3%3%3%
Work from home 6%10%18%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute Unreliable estimateUnreliable estimateUnreliable estimate20 to 29 minutes

A household in Nephi has 3.09 people on average, about the same as in Juab County (3.22).

In Nephi, 81% of workers drive alone to work; in Juab County, 75%.

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 Nephi?

A typical home costs more than the typical income allows

We start with a typical home in Nephi, worth $416,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 37% of the typical household income in Nephi, which is $106,108 a year. For that payment to be 28% of income, a household would need to earn about $140,886 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Nephi. 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 $14,560 (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

$3,287

at 7.18% · 30 years

Loan amount
$408,465
Total interest
$587,686
Paid off in
November 2056

Includes $7,025 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,476 a month

  • Tight

    $2,476 to $3,183 a month

  • Hard

    more than $3,183 a month

    Your payment · 37%

Compared with the typical household income in Nephi ($106,108 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,287
Principal & interest$2,767
Property tax$163
Home insurance$173
FHA mortgage insurance (MIP)$184

You need at least $14,560 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

Nephi and Juab County

Nephi is in Juab 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).

Nephi's own numbers

Typical home value
$416,000
Typical monthly rent
$1,007
Typical yearly household income
$106,108
Households that own their home
80%
Effective property tax rate
0.47%

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

Numbers for all of Juab County

FHA limit, one-unit home
$601,450
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,363
Price change over 5 years (FHFA)
+50%

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 Juab County.

Everything about Juab County

Buying

Buying a home in Nephi

A typical home in Nephi is worth $416,000: 2% below the county and 15% below Utah. With the typical household income in Nephi ($106,108 a year), a typical home costs 3.9 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.

  • Nephi 3.9 years
  • Juab 4.2 years
  • Utah 5.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Juab County

According to FHFA’s house price index, home prices in Juab County rose 136% in the 10 years through 2025.

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

Period County Utah U.S.
Last year (2025) +1.7% +2.4% +2.9%
5 years (2020–2025) +50% +53% +47%
10 years (2015–2025) +136% +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

Nephi next to Juab 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
  • Nephi $416,000
  • Juab $425,400
  • Utah $489,400
  • United States $332,700
Typical monthly rent
  • Nephi $1,007
  • Juab $907
  • Utah $1,496
  • United States $1,413
Typical yearly household income
  • Nephi $106,108
  • Juab $101,786
  • Utah $95,166
  • United States $80,734
See the full table
Nephi next to Juab County and Utah
Measure Nephi Juab County Utah U.S.
Typical home value $416,000 $425,400 $489,400 $332,700
Typical monthly rent $1,007 $907 $1,496 $1,413
Typical yearly household income $106,108 $101,786 $95,166 $80,734
Households that own their home 80% 84% 70% 65%
Typical yearly property tax $1,955 $1,914 $2,525 $3,119
Effective property tax rate 0.47% 0.45% 0.52% 0.94%
Renters with high rent for their income 29% 27% 47% 51%

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

For a typical $416,000 home in Nephi, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Nephi's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,287a month

    Least cash to close
    Down payment
    $14,560
    Cash to close
    $27,040
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $184

  • Conventional, 5% down $3,211a month

    Down payment
    $20,800
    Cash to close
    $33,280
    Rate
    7.18%
    Mortgage insurance
    PMI · $198

  • Conventional, 20% down, no PMI $2,591a month

    Down payment
    $83,200
    Cash to close
    $95,680
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,975a month

    Down payment
    $62,400
    Cash to close
    $74,880
    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 Nephi and for Juab County.

Property tax

Effective rate in Nephi

0.47%of the home’s value each year

$1,955 a year for the typical owner in Nephi.

  • Nephi 0.47%
  • Juab 0.45%
  • 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 Juab County

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

FEMA’s maps count no homes in the high-risk zone in Juab County. That does not mean it cannot flood: check your address.

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Nephi

Typical rent in Nephi is $1,007 a month: 11% above the county. In Nephi, 29% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Juab County, by unit size. To pay the 2-bedroom one ($1,363 a month) without spending more than 30% of your income, you would need to earn $26.21 an hour working full time.

HUD fair market rent for all of Juab 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 $1,186 $22.81 $47,440
1 bedroom $1,192 $22.92 $47,680
2 bedrooms $1,363 $26.21 $54,520
3 bedrooms $1,887 $36.29 $75,480
4 bedrooms $2,278 $43.81 $91,120

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 Nephi

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Nephi is in ZIP code 84648.

For 2 bedrooms it is $1,320: $43 less than the fair market rent for Juab County ($1,363).

  • 84648 $1,320$1,830

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

HUD lists 2 buildings with rents for lower incomes in Nephi. These are the largest.

  • Mountain Shadows Apts. 465 S 400 E, Nephi 84648 24 low-income homes · 1 bd: 4 · 2 bd: 16 · 3 bd: 4 · In service since 2008
  • Crown at Walnut Grove 443 E 400 S, Nephi 84648 4 low-income homes · 3 bd: 1 · 4 bd: 3 · In service since 2007

See all 2 buildings in Juab County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Nephi

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

A grandmother pushes her grandson on a playground swing.

HUD counseling is free or low-cost

Assistance programs in Nephi

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

The HUD-approved agencies closest to the center of Nephi, 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 · 37 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 · 41 miles away

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

  • Utah State University-Salt Lake County Extension

    2001 South State Street, Salt Lake City · 71 miles away

    • Homebuyer education workshops
    (385) 468-4830

All counseling agencies in Utah

Help in Spanish near Nephi

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 Nephi

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

All housing agencies in Utah Source: HUD

Cities

Nearby cities

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

Everything about Juab County Housing in Utah

Neighboring counties

If Juab 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 Nephi.

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

Questions

Housing questions about Nephi

Short answers with the numbers for Nephi and all of Juab 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 Nephi?

The typical home value in Nephi is $416,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Juab County it is $425,400.

How much does it cost to rent in Nephi?

Typical rent in Nephi is $1,007 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Juab County is $1,363.

What is the FHA loan limit in Nephi?

Nephi uses the FHA limit for all of Juab County (2026): $601,450 for a one-unit home and $1,156,650 for a four-unit home.

How much property tax do owners pay in Nephi?

The typical homeowner in Nephi pays $1,955 a year, according to the U.S. Census Bureau. That is 0.47% of the home’s value; in Juab County, the rate is 0.45%.

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

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