In Providence, a typical home is worth $515,900 and typical rent is $1,560 a month. Compared with all of Cache County, typical household income is 45% higher, typical rent is 29% higher, and the share of households that own their home is 22 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $467,350 to $533,817.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Providence is in Cache County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Cache County. See the county
What this place has that others do not, from public data, most unusual first.
1
86% of households in Providence own their home, against 64% in Cache County.
2
The typical household income in Providence is $118,072,45% more than in Cache County as a whole ($81,665).
3
Nearby, in Logan, the typical rent is $1,149: 26% less than in Providence ($1,560).
4
Nearby, in Logan, the typical home value is $383,600: 26% less than in Providence ($515,900).
5
The typical rent in Providence is $1,560 a month, 29% more than in Cache County as a whole ($1,213).
6
The typical home in Providence is worth $515,900,16% more than in Cache County as a whole ($444,400).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Providence
What homes there are in Providence, 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
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Providence
Cache County
Utah
United States
Kind of home: Providence and its comparisons
Measure
Providence
Cache County
Utah
United States
Detached house
82%
64%
67%
61%
Attached house
9%
8%
8%
6%
Building of 2 to 4
Unreliable estimate
13%
7%
8%
Apartments (5 or more)
Unreliable estimate
13%
16%
19%
Mobile home
Unreliable estimate
2%
3%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Providence, 8 in 10 homes are single-family detached houses; in Cache County, 6.
Year built
Before 19601960–19791980–19992000–20092010 or later
Providence
Cache County
Utah
United States
Year built: Providence and its comparisons
Measure
Providence
Cache County
Utah
United States
Before 1960
7%
17%
15%
26%
1960–1979
17%
21%
20%
24%
1980–1999
26%
24%
26%
25%
2000–2009
26%
18%
18%
14%
2010 or later
24%
21%
21%
11%
Here half of the homes date from 2000 or later; in Cache County, from 1992 or later.
Homes in Providence are bigger: 84% have 3 bedrooms or more; in Cache County, 73%.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200KUnreliable
$200K–$300KUnreliable
$300K–$500K39%
$500K–$750K31%
$750K–$1M17%
$1M or more5%
Value of owner-occupied homes: Providence and its comparisons
Measure
Providence
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
Unreliable estimate
$300K–$500K
39%
$500K–$750K
31%
$750K–$1M
17%
$1M or more
5%
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,499Unreliable
$1,500–$1,99957%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Providence and its comparisons
Measure
Providence
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
57%
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$2,546 a month
Cache County: $1,795 a month
Without a mortgage
$581 a month
Cache County: $526 a month
Owners with a mortgage
59%
Cache County: 65%
In Providence, 59% of owners have a mortgage, and their typical cost is $2,546 a month, against $1,795 in Cache County. Without one it drops to $581.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Providence+83%
Cache County+88%
Utah+75%
United States+53%
Typical rent
Providence+59%
Cache County+51%
Utah+44%
United States+33%
Typical household income
Providence+46%
Cache County+38%
Utah+33%
United States+29%
Change since 2015–2019: Providence and its comparisons
Measure
Providence
Cache County
Utah
United States
Typical home value
+83%
+88%
+75%
+53%
Typical rent
+59%
+51%
+44%
+33%
Typical household income
+46%
+38%
+33%
+29%
The typical home value in Providence rose 83% since 2015–2019, less than in Cache County (88%).
The typical rent in Providence rose 59% over the same time; in Cache County, it rose 51%.
The typical household income in Providence rose 46%: less than home values (+83%) and rent (+59%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Providence and its comparisons
Measure
Providence
Cache County
Utah
United States
Rental vacancy
Unreliable estimate
3.9%
5.5%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.6%
0.9%
More than one person per room
Unreliable estimate
3.5%
3.1%
3.4%
People per household
3.17
3.05
2.97
2.53
Drive alone
70%
68%
67%
69%
Carpool
9%
9%
10%
9%
Public transit
Unreliable estimate
2%
2%
3%
Walk or bike
Unreliable estimate
5%
3%
3%
Work from home
17%
14%
18%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
10 to 19 minutes
10 to 19 minutes
Unreliable estimate
20 to 29 minutes
Much as in Cache County, a household in Providence has 3.17 people on average.
The car rules in Providence: 70% of workers drive to work alone, and the typical trip takes 10 to 19 minutes.
Do the math
What would you pay each month for a home in Providence?
A typical home costs more than the typical income allows
We start with a typical home in Providence, worth $515,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 41% of the typical household income in Providence, which is $118,072 a year. For that payment to be 28% of income, a household would need to earn about $174,904 a year.
The calculator's FHA and conventional loan limits are those of all of Cache County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Providence. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $18,057 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$4,081
at 7.18% · 30 years
Loan amount
$506,555
Total interest
$728,814
Paid off in
November 2056
Includes $8,712 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,755 a month
Tight
$2,755 to $3,542 a month
Hard
more than $3,542 a month
Your payment · 41%
Compared with the typical household income in Providence ($118,072 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$3,432
Property tax
$206
Home insurance
$215
FHA mortgage insurance (MIP)
$228
You need at least $18,057 for the down payment, plus closing costs.
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.
Total monthly payment $4,081; principal and interest $3,432.
The city and its county
Providence and Cache County
Providence is in Cache 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).
Providence
Map of Cache County, Utah, with Providence marked. Around it, the neighboring counties.
Providence
Cache County
Other cities with a page
Providence's own numbers
Typical home value
$515,900
Typical monthly rent
$1,560
Typical yearly household income
$118,072
Households that own their home
86%
Effective property tax rate
0.48%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Cache County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,265
Price change over 5 years (FHFA)
+59%
Homes in a high flood-risk zone
2.1%
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 Cache County.
A typical home in Providence is worth $515,900: 16% above the county and 5% above Utah. With the typical household income in Providence ($118,072 a year), a typical home costs 4.4 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.
Providence4.4 years
Cache5.4 years
Utah5.1 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Cache County
According to FHFA’s house price index, home prices in Cache County rose 130% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Cache County.
Yearly change in FHFA’s price index in Cache County, 2016 to 2025
2016: +6.6% +6.6% 2016
2017: +8.7% +8.7% 2017
2018: +8.8% +8.8% 2018
2019: +8.3% +8.3% 2019
2020: +6.1% +6.1% 2020
2021: +20.7% +20.7% 2021
2022: +24.4% +24.4% 2022
2023: +0.3% +0.3% 2023
2024: +3.2% +3.2% 2024
2025: +2.0% +2.0% 2025
Change in FHFA’s price index in Cache County, Utah and the United States
Period
County
Utah
U.S.
Last year (2025)
+2.0%
+2.4%
+2.9%
5 years (2020–2025)
+59%
+53%
+47%
10 years (2015–2025)
+130%
+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
Providence next to Cache 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
Providence$515,900
Cache$444,400
Utah$489,400
United States$332,700
Typical monthly rent
Providence$1,560
Cache$1,213
Utah$1,496
United States$1,413
Typical yearly household income
Providence$118,072
Cache$81,665
Utah$95,166
United States$80,734
See the full table
Providence next to Cache County and Utah
Measure
Providence
Cache County
Utah
U.S.
Typical home value
$515,900 ▲16% above the county
$444,400
$489,400
$332,700
Typical monthly rent
$1,560 ▲29% above the county
$1,213
$1,496
$1,413
Typical yearly household income
$118,072 ▲45% above the county
$81,665
$95,166
$80,734
Households that own their home
86% ▲22 points above the county
64%
70%
65%
Typical yearly property tax
$2,497 ▲24% above the county
$2,011
$2,525
$3,119
Effective property tax rate
0.48% ▲0.03 points above the county
0.45%
0.52%
0.94%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Cache 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 Providence
For a typical $515,900 home in Providence, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Providence's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$4,081a month
Least cash to close
Down payment
$18,057
Cash to close
$33,534
Rate
7.18%
Mortgage insurance
FHA MIP · $228
Conventional, 5% down$3,987a month
Down payment
$25,795
Cash to close
$41,272
Rate
7.18%
Mortgage insurance
PMI · $245
Conventional, 20% down, no PMI$3,217a month
Down payment
$103,180
Cash to close
$118,657
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$3,694a month
Down payment
$77,385
Cash to close
$92,862
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Providence
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$4,081
$18,057
$506,556
7.18%
FHA MIP · $228
$33,534
580
Conventional, 5% down
$3,987
$25,795
$490,105
7.18%
PMI · $245
$41,272
620*
Conventional, 20% down, no PMI
$3,217
$103,180
$412,720
7.18%
None
$118,657
620*
ITIN, 15% down (example)
$3,694
$77,385
$438,515
8.18%
None
$92,862
Set by the lender
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.
Typical rent in Providence is $1,560 a month: 29% above the county.
HUD publishes a fair market rent for all of Cache County, by unit size. To pay the 2-bedroom one ($1,265 a month) without spending more than 30% of your income, you would need to earn $24.33 an hour working full time.
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 is 1 HUD-approved agency with an office in Cache County; none says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Providence or Cache County. The ones below are statewide in Utah: they work in Providence the same as in the rest of the state.
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).
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).
No legal help resource on our list is for Providence or Cache County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Providence and all of Cache 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 Providence?
The typical home value in Providence is $515,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Cache County it is $444,400.
How much does it cost to rent in Providence?
Typical rent in Providence is $1,560 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Cache County is $1,265.
What is the FHA loan limit in Providence?
Providence uses the FHA limit for all of Cache County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.
How much property tax do owners pay in Providence?
The typical homeowner in Providence pays $2,497 a year, according to the U.S. Census Bureau. That is 0.48% of the home’s value; in Cache County, the rate is 0.45%.
Where can I find free help to buy or rent in Providence?
There is 1 HUD-approved counseling agency with an office in Cache County. They can help you get ready to buy, with your credit, or with rent.
