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City · 8,152 residents · Washington County, Utah

Santa Clara , Utah

In Santa Clara, a typical home is worth $558,100 and typical rent is $1,907 a month. Compared with all of Washington County, typical rent is 22% higher, typical household income is 20% higher, and the share of households that own their home is 6 points higher.

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  • Typical home value

    $558,100

    9% above the county

    14% above Utah

    • Santa Clara
    • Washington
    • Utah

  • Typical rent

    $1,907a month

    22% above the county

    27% above Utah

    • Santa Clara
    • Washington
    • Utah

  • Typical household income

    $96,475a year

    20% above the county

    About the same as Utah

    • Santa Clara
    • Washington
    • Utah

  • Households that own their home

    78%

    6 points above the county

    8 points above Utah

    • Santa Clara
    • Washington
    • Utah

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

Market now, with Zillow data

Zillow data
Typical home value
$527,209
1.9% less than 12 months ago
Typical rent
$2,207 a month

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

Santa Clara is in Washington County. The FHA loan limit ($607,200 for a one-unit home), the fair market rents and the help on this page are those of all of Washington County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Santa Clara apart

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

  1. Santa Clara has the 2nd largest share of rent-burdened renters of the 75 cities in Utah with more than 5,000 people (72%).

  2. Nearby, in Cedar City, the typical rent is $1,054: 45% less than in Santa Clara ($1,907).

  3. Nearby, in Cedar City, the typical home value is $377,000: 32% less than in Santa Clara ($558,100).

  4. The typical rent in Santa Clara is $1,907 a month, 22% more than in Washington County as a whole ($1,566).

  5. According to Zillow, in the 12 months to September 2026 the typical home value in Santa Clara fell 1.9%; in Utah, it rose 1.2%.

  6. The typical household income in Santa Clara is $96,475, 20% more than in Washington County as a whole ($80,632).

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

The homes here

Housing in Santa Clara

What homes there are in Santa Clara, 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

In Santa Clara, 8 in 10 homes are single-family detached houses; in Washington County, 7.

Year built

The typical year built in Santa Clara is 2004, about the same as in Washington County (2003).

In Santa Clara, 90% of homes have 3 bedrooms or more, more than in Washington County (77%).

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

$1,989 a month

Washington County: $1,918 a month

Without a mortgage

$588 a month

Washington County: $536 a month

Owners with a mortgage

72%

Washington County: 60%

Owning costs about the same in Santa Clara as in Washington County: with a mortgage, $1,989 a month; without one, $588.

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, home values in Santa Clara rose at about the same pace as in Washington County: 77% against 80%.

Rents in Santa Clara rose more slowly than in Washington County: 32% since 2015–2019, against 54%.

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

MeasureSanta ClaraWashington CountyUtahUnited States
Rental vacancy 28.7%10.6%5.5%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.6%0.9%
More than one person per room Unreliable estimate2.8%3.1%3.4%
People per household 3.262.782.972.53
Drive alone 82%72%67%69%
Carpool Unreliable estimate11%10%9%
Public transit Unreliable estimateUnreliable estimate2%3%
Walk or bike Unreliable estimate2%3%3%
Work from home 10%14%18%15%
Other means Unreliable estimate1%1%2%
Typical commute 10 to 19 minutes10 to 19 minutesUnreliable estimate20 to 29 minutes

The rental vacancy rate in Santa Clara is 28.7%, higher than in Washington County (10.6%).

More people live in each home here: 3.26 on average, against 2.78 in Washington County.

To get to work, 82% of workers in Santa Clara drive alone; in Washington County, 72%.

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 Santa Clara?

A typical home costs more than the typical income allows

We start with a typical home in Santa Clara, worth $558,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 54% of the typical household income in Santa Clara, which is $96,475 a year. For that payment to be 28% of income, a household would need to earn about $187,417 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Santa Clara. 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 $19,534 (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

$4,373

at 7.18% · 30 years

Loan amount
$547,991
Total interest
$788,430
Paid off in
November 2056

Includes $9,425 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,251 a month

  • Tight

    $2,251 to $2,894 a month

  • Hard

    more than $2,894 a month

    Your payment · 54%

Compared with the typical household income in Santa Clara ($96,475 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,373
Principal & interest$3,712
Property tax$181
Home insurance$233
FHA mortgage insurance (MIP)$247

You need at least $19,534 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

Santa Clara and Washington County

Santa Clara is in Washington 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).

Santa Clara's own numbers

Typical home value
$558,100
Typical monthly rent
$1,907
Typical yearly household income
$96,475
Households that own their home
78%
Effective property tax rate
0.39%

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

Numbers for all of Washington County

FHA limit, one-unit home
$607,200
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,657
Price change over 5 years (FHFA)
+55%
Homes in a high flood-risk zone
0.8%

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 Washington County.

Everything about Washington County

Buying

Buying a home in Santa Clara

A typical home in Santa Clara is worth $558,100: 9% above the county and 14% above Utah. With the typical household income in Santa Clara ($96,475 a year), a typical home costs 5.8 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.

  • Santa Clara 5.8 years
  • Washington 6.3 years
  • Utah 5.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Washington County

According to FHFA’s house price index, home prices in Washington County rose 119% in the 10 years through 2025.

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

Period County Utah U.S.
Last year (2025) +1.1% +2.4% +2.9%
5 years (2020–2025) +55% +53% +47%
10 years (2015–2025) +119% +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

Santa Clara next to Washington 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
  • Santa Clara $558,100
  • Washington $510,700
  • Utah $489,400
  • United States $332,700
Typical monthly rent
  • Santa Clara $1,907
  • Washington $1,566
  • Utah $1,496
  • United States $1,413
Typical yearly household income
  • Santa Clara $96,475
  • Washington $80,632
  • Utah $95,166
  • United States $80,734
See the full table
Santa Clara next to Washington County and Utah
Measure Santa Clara Washington County Utah U.S.
Typical home value $558,100 $510,700 $489,400 $332,700
Typical monthly rent $1,907 $1,566 $1,496 $1,413
Typical yearly household income $96,475 $80,632 $95,166 $80,734
Households that own their home 78% 72% 70% 65%
Typical yearly property tax $2,193 $2,158 $2,525 $3,119
Effective property tax rate 0.39% 0.42% 0.52% 0.94%
Renters with high rent for their income 72% 57% 47% 51%

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

For a typical $558,100 home in Santa Clara, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Santa Clara's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,373a month

    Least cash to close
    Down payment
    $19,534
    Cash to close
    $36,277
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $247

  • Conventional, 5% down $4,271a month

    Down payment
    $27,905
    Cash to close
    $44,648
    Rate
    7.18%
    Mortgage insurance
    PMI · $265

  • Conventional, 20% down, no PMI $3,439a month

    Down payment
    $111,620
    Cash to close
    $128,363
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,955a month

    Down payment
    $83,715
    Cash to close
    $100,458
    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 Santa Clara and for Washington County.

Property tax

Effective rate in Santa Clara

0.39%of the home’s value each year

$2,193 a year for the typical owner in Santa Clara.

  • Santa Clara 0.39%
  • Washington 0.42%
  • 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 Washington County

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

Homes in the high-risk zone
0.8%
574
Of those, with NFIP insurance
14%
County Utah U.S.
Homes in the high-risk zone 0.8% 0.8% 3.5%
Of those, with NFIP insurance 14% 16% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Santa Clara

Typical rent in Santa Clara is $1,907 a month: 22% above the county. In Santa Clara, 72% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Washington County, by unit size. To pay the 2-bedroom one ($1,657 a month) without spending more than 30% of your income, you would need to earn $31.87 an hour working full time.

HUD fair market rent for all of Washington 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 $1,258 $24.19 $50,320
1 bedroom $1,267 $24.37 $50,680
2 bedrooms $1,657 $31.87 $66,280
3 bedrooms $2,172 $41.77 $86,880
4 bedrooms $2,703 $51.98 $108,120

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 Santa Clara

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Santa Clara is in ZIP code 84765.

For 2 bedrooms it is $2,110: $453 more than the fair market rent for Washington County ($1,657).

  • 84765 $2,110$2,770

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

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 Washington County; none says it serves in Spanish.

A young woman and a young man point to a line in their notes beside a laptop in a library.

HUD counseling is free or low-cost

Assistance programs in Santa Clara

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

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

  • Sun Country Home Solutions Branch

    382 S. Bluff St. #150, Saint George · 4 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 3 more
    (435) 218-7189

  • Community Action Services

    815 S Freedom Blvd, Provo · 239 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 · 242 miles away

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

Every agency in Washington County All counseling agencies in Utah

Help in Spanish near Santa Clara

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 Santa Clara

In HUD’s record, no housing authority with an office in Washington County is named for Santa Clara or Washington County.

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

Cities

Other cities in Washington County

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

Everything about Washington County Housing in Utah

Nearby cities

The cities closest to Santa Clara, with the typical home value.

Neighboring counties

If Washington 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 Santa Clara.

All guides
A mother holds her laughing daughter on a grey sofa.

Questions

Housing questions about Santa Clara

Short answers with the numbers for Santa Clara and all of Washington 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 Santa Clara?

The typical home value in Santa Clara is $558,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Washington County it is $510,700.

How much does it cost to rent in Santa Clara?

Typical rent in Santa Clara is $1,907 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Washington County is $1,657.

What is the FHA loan limit in Santa Clara?

Santa Clara uses the FHA limit for all of Washington County (2026): $607,200 for a one-unit home and $1,167,700 for a four-unit home.

How much property tax do owners pay in Santa Clara?

The typical homeowner in Santa Clara pays $2,193 a year, according to the U.S. Census Bureau. That is 0.39% of the home’s value; in Washington County, the rate is 0.42%.

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

There is 1 HUD-approved counseling agency with an office in Washington County. 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).