In Spanish Fork, a typical home is worth $481,500 and typical rent is $1,489 a month. Compared with all of Utah County, the typical home value is 11% lower and the share of households that own their home is 12 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $457,096 to $512,107.
Typical rent
$2,011a month
▲ 2.3% more than 12 months ago
Typical rent from Zillow, March 2023 to September 2026: from $1,821 to $2,011.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Spanish Fork is in Utah 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 Utah County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Provo, the typical rent is $1,193: 20% less than in Spanish Fork ($1,489).
2
80% of households in Spanish Fork own their home, against 68% in Utah County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Spanish Fork
What homes there are in Spanish Fork, 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
Spanish Fork
Utah County
Utah
United States
Kind of home: Spanish Fork and its comparisons
Measure
Spanish Fork
Utah County
Utah
United States
Detached house
79%
64%
67%
61%
Attached house
13%
11%
8%
6%
Building of 2 to 4
4%
7%
7%
8%
Apartments (5 or more)
Unreliable estimate
16%
16%
19%
Mobile home
Unreliable estimate
1%
3%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house rules in Spanish Fork: 79% of homes, more than in Utah County (64%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Spanish Fork
Utah County
Utah
United States
Year built: Spanish Fork and its comparisons
Measure
Spanish Fork
Utah County
Utah
United States
Before 1960
13%
10%
15%
26%
1960–1979
12%
15%
20%
24%
1980–1999
22%
23%
26%
25%
2000–2009
28%
22%
18%
14%
2010 or later
25%
29%
21%
11%
The typical year built in Spanish Fork is 2001, about the same as in Utah County (2001).
There is more room for a big family here: 87% of homes have 3 bedrooms or more, against 78% in Utah County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K2%
$100K–$200KUnreliable
$200K–$300K4%
$300K–$500K48%
$500K–$750K32%
$750K–$1M11%
$1M or more2%
Value of owner-occupied homes: Spanish Fork and its comparisons
Measure
Spanish Fork
Under $100K
2%
$100K–$200K
Unreliable estimate
$200K–$300K
4%
$300K–$500K
48%
$500K–$750K
32%
$750K–$1M
11%
$1M or more
2%
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49944%
$1,500–$1,99930%
$2,000–$2,49914%
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Spanish Fork and its comparisons
Measure
Spanish Fork
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
44%
$1,500–$1,999
30%
$2,000–$2,499
14%
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable
With a mortgage
$1,960 a month
Utah County: $2,115 a month
Without a mortgage
$499 a month
Utah County: $570 a month
Owners with a mortgage
77%
Utah County: 73%
Owning costs less in Spanish Fork: with a mortgage, the typical cost is $1,960 a month; in Utah County, $2,115. Without one, $499.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Spanish Fork+76%
Utah County+76%
Utah+75%
United States+53%
Typical rent
Spanish Fork+32%
Utah County+45%
Utah+44%
United States+33%
Typical household income
Spanish Fork+34%
Utah County+35%
Utah+33%
United States+29%
Change since 2015–2019: Spanish Fork and its comparisons
Measure
Spanish Fork
Utah County
Utah
United States
Typical home value
+76%
+76%
+75%
+53%
Typical rent
+32%
+45%
+44%
+33%
Typical household income
+34%
+35%
+33%
+29%
The typical home value in Spanish Fork rose 76% since 2015–2019, about the same as in Utah County (76%).
Since 2015–2019, the typical rent in Spanish Fork rose 32%, less than in Utah County (45%).
While home values in Spanish Fork changed +76% and rent +32%, the typical household income rose 34%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Spanish Fork and its comparisons
Measure
Spanish Fork
Utah County
Utah
United States
Rental vacancy
Unreliable estimate
2.7%
5.5%
5.5%
Homeowner vacancy
Unreliable estimate
0.6%
0.6%
0.9%
More than one person per room
3.2%
3.9%
3.1%
3.4%
People per household
3.59
3.39
2.97
2.53
Drive alone
72%
65%
67%
69%
Carpool
11%
10%
10%
9%
Public transit
Unreliable estimate
2%
2%
3%
Walk or bike
1%
3%
3%
3%
Work from home
15%
19%
18%
15%
Other means
1%
1%
1%
2%
Typical commute
10 to 19 minutes
Unreliable estimate
Unreliable estimate
20 to 29 minutes
Much as in Utah County, 3.2% of households in Spanish Fork have more than one person per room.
Households in Spanish Fork are bigger: 3.59 people on average; in Utah County, 3.39.
The car rules in Spanish Fork: 72% 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 Spanish Fork?
A typical home costs more than the typical income allows
We start with a typical home in Spanish Fork, worth $481,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 44% of the typical household income in Spanish Fork, which is $104,844 a year. For that payment to be 28% of income, a household would need to earn about $163,069 a year.
The calculator's FHA and conventional loan limits are those of all of Utah 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 Spanish Fork. 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 $16,853 (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
$3,805
at 7.18% · 30 years
Loan amount
$472,778
Total interest
$680,217
Paid off in
November 2056
Includes $8,131 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,446 a month
Tight
$2,446 to $3,145 a month
Hard
more than $3,145 a month
Your payment · 44%
Compared with the typical household income in Spanish Fork ($104,844 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$3,203
Property tax
$189
Home insurance
$201
FHA mortgage insurance (MIP)
$213
You need at least $16,853 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 $3,805; principal and interest $3,203.
The city and its county
Spanish Fork and Utah County
Spanish Fork is in Utah 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).
Spanish Fork
Map of Utah County, Utah, with Spanish Fork marked. Around it, the neighboring counties.
Spanish Fork
Utah County
Other cities with a page
Spanish Fork's own numbers
Typical home value
$481,500
Typical monthly rent
$1,489
Typical yearly household income
$104,844
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 Utah 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)
+54%
Homes in a high flood-risk zone
0.5%
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 Utah County.
A typical home in Spanish Fork is worth $481,500: 11% below the county and about the same as Utah. With the typical household income in Spanish Fork ($104,844 a year), a typical home costs 4.6 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.
Spanish Fork4.6 years
Utah5.4 years
Utah5.1 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Utah County
According to FHFA’s house price index, home prices in Utah County rose 119% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Utah County.
Yearly change in FHFA’s price index in Utah County, 2016 to 2025
2016: +7.6% +7.6% 2016
2017: +8.7% +8.7% 2017
2018: +8.5% +8.5% 2018
2019: +7.1% +7.1% 2019
2020: +5.1% +5.1% 2020
2021: +19.3% +19.3% 2021
2022: +20.7% +20.7% 2022
2023: −0.1% −0.1% 2023
2024: +4.0% +4.0% 2024
2025: +2.8% +2.8% 2025
Change in FHFA’s price index in Utah County, Utah and the United States
Period
County
Utah
U.S.
Last year (2025)
+2.8%
+2.4%
+2.9%
5 years (2020–2025)
+54%
+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
Spanish Fork next to Utah 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
Spanish Fork$481,500
Utah$538,700
Utah$489,400
United States$332,700
Typical monthly rent
Spanish Fork$1,489
Utah$1,541
Utah$1,496
United States$1,413
Typical yearly household income
Spanish Fork$104,844
Utah$100,671
Utah$95,166
United States$80,734
See the full table
Spanish Fork next to Utah County and Utah
Measure
Spanish Fork
Utah County
Utah
U.S.
Typical home value
$481,500 ▼11% below the county
$538,700
$489,400
$332,700
Typical monthly rent
$1,489 ▼3% below the county
$1,541
$1,496
$1,413
Typical yearly household income
$104,844 ▲4% above the county
$100,671
$95,166
$80,734
Households that own their home
80% ▲12 points above the county
68%
70%
65%
Typical yearly property tax
$2,281 ▼4% below the county
$2,370
$2,525
$3,119
Effective property tax rate
0.47% ▲0.03 points above the county
0.44%
0.52%
0.94%
Renters with high rent for their income
46% ▲1 points above the county
45%
47%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Utah 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 Spanish Fork
For a typical $481,500 home in Spanish Fork, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Spanish Fork's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$3,805a month
Least cash to close
Down payment
$16,853
Cash to close
$31,298
Rate
7.18%
Mortgage insurance
FHA MIP · $213
Conventional, 5% down$3,717a month
Down payment
$24,075
Cash to close
$38,520
Rate
7.18%
Mortgage insurance
PMI · $229
Conventional, 20% down, no PMI$2,999a month
Down payment
$96,300
Cash to close
$110,745
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$3,444a month
Down payment
$72,225
Cash to close
$86,670
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Spanish Fork
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$3,805
$16,853
$472,779
7.18%
FHA MIP · $213
$31,298
580
Conventional, 5% down
$3,717
$24,075
$457,425
7.18%
PMI · $229
$38,520
620*
Conventional, 20% down, no PMI
$2,999
$96,300
$385,200
7.18%
None
$110,745
620*
ITIN, 15% down (example)
$3,444
$72,225
$409,275
8.18%
None
$86,670
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 Spanish Fork is $1,489 a month: 3% below the county. In Spanish Fork, 46% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Utah 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Utah County (Fiscal year 2027)
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 Spanish Fork
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Spanish Fork is in ZIP code 84660.
For 2 bedrooms it is $1,320: $43 less than the fair market rent for Utah County ($1,363).
Fair market rent by ZIP code and size in Spanish Fork, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
84660
$1,140
$1,140
$1,320
$1,830
$2,210
ZIP code2 bd3 bd
84660 $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 Spanish Fork 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
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 are 2 HUD-approved agencies with an office in Utah County; 1 says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Spanish Fork or Utah County. The ones below are statewide in Utah: they work in Spanish Fork 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).
The HUD-approved agencies closest to the center of Spanish Fork, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
CA
Community Action Services
815 S Freedom Blvd, Provo · 8 miles away · Spanish
No legal help resource on our list is for Spanish Fork or Utah 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 Spanish Fork and all of Utah 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 Spanish Fork?
The typical home value in Spanish Fork is $481,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Utah County it is $538,700.
How much does it cost to rent in Spanish Fork?
Typical rent in Spanish Fork is $1,489 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Utah County is $1,363.
What is the FHA loan limit in Spanish Fork?
Spanish Fork uses the FHA limit for all of Utah 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 Spanish Fork?
The typical homeowner in Spanish Fork pays $2,281 a year, according to the U.S. Census Bureau. That is 0.47% of the home’s value; in Utah County, the rate is 0.44%.
Where can I find free help to buy or rent in Spanish Fork?
There are 2 HUD-approved counseling agencies with an office in Utah County. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.
