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City · 101,995 residents · Washington County, Utah

St. George , Utah

In St. George, a typical home is worth $496,100 and typical rent is $1,545 a month. Compared with all of Washington County, typical household income is 5% lower.

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  • Typical home value

    $496,100

    3% below the county

    About the same as Utah

    • St. George
    • Washington
    • Utah

  • Typical rent

    $1,545a month

    About the same as the county

    3% above Utah

    • St. George
    • Washington
    • Utah

  • Typical household income

    $76,508a year

    5% below the county

    20% below Utah

    • St. George
    • Washington
    • Utah

  • Households that own their home

    67%

    5 points below the county

    4 points below Utah

    • St. George
    • Washington
    • Utah

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

Market now, with Zillow data

Zillow data
Typical home value
$516,153
0.6% less than 12 months ago
Typical rent
$1,798 a month
about the same as 12 months ago

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

St. George 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 St. George apart

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

  1. Nearby, in Cedar City, the typical rent is $1,054: 32% less than in St. George ($1,545).

  2. Nearby, in Cedar City, the typical home value is $377,000: 24% less than in St. George ($496,100).

  3. St. George has the 6th largest share of rent-burdened renters of the 75 cities in Utah with more than 5,000 people (57%).

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

The homes here

Housing in St. George

What homes there are in St. George, 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 St. George, but it weighs less than in Washington County: 67% against 73%.

Year built

By age, homes in St. George look like those in Washington County: the typical year built is 2001.

Homes in St. George are smaller: 73% have 3 bedrooms or more; 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

About 62% of owner-occupied homes in St. George are worth less than the FHA loan limit for Washington County ($607,200); the rest are worth more.

Monthly rent with utilities

With a mortgage

$1,953 a month

Washington County: $1,918 a month

Without a mortgage

$525 a month

Washington County: $536 a month

Owners with a mortgage

58%

Washington County: 60%

Owning costs about the same in St. George as in Washington County: with a mortgage, $1,953 a month; without one, $525.

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

Homes in St. George gained value more slowly than in Washington County: 74% since 2015–2019, against 80%.

The typical rent in St. George rose 56% since 2015–2019, about the same as in Washington County (54%).

Housing prices ran ahead of income in St. George: typical income rose 31%, against +74% for home values and +56% for rent.

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

MeasureSt. GeorgeWashington CountyUtahUnited States
Rental vacancy 8.1%10.6%5.5%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.6%0.9%
More than one person per room 3.2%2.8%3.1%3.4%
People per household 2.752.782.972.53
Drive alone 71%72%67%69%
Carpool 11%11%10%9%
Public transit Unreliable estimateUnreliable estimate2%3%
Walk or bike 2%2%3%3%
Work from home 14%14%18%15%
Other means 1%1%1%2%
Typical commute 10 to 19 minutes10 to 19 minutesUnreliable estimate20 to 29 minutes

There is little rental housing open in St. George: only 8.1% is empty and offered for rent, against 10.6% in Washington County.

Much as in Washington County, 3.2% of households in St. George have more than one person per room.

Much as in Washington County, a household in St. George has 2.75 people on average.

In St. George, 71% of workers drive alone to work; 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 St. George?

A typical home costs more than the typical income allows

We start with a typical home in St. George, worth $496,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 61% of the typical household income in St. George, which is $76,508 a year. For that payment to be 28% of income, a household would need to earn about $167,305 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 St. George. 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 $17,364 (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

$3,904

at 7.18% · 30 years

Loan amount
$487,114
Total interest
$700,843
Paid off in
November 2056

Includes $8,378 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,785 a month

  • Tight

    $1,785 to $2,295 a month

  • Hard

    more than $2,295 a month

    Your payment · 61%

Compared with the typical household income in St. George ($76,508 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,904
Principal & interest$3,300
Property tax$178
Home insurance$207
FHA mortgage insurance (MIP)$219

You need at least $17,364 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

St. George and Washington County

St. George 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).

St. George's own numbers

Typical home value
$496,100
Typical monthly rent
$1,545
Typical yearly household income
$76,508
Households that own their home
67%
Effective property tax rate
0.43%

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 St. George

A typical home in St. George is worth $496,100: 3% below the county and about the same as Utah. With the typical household income in St. George ($76,508 a year), a typical home costs 6.5 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.

  • St. George 6.5 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

St. George 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
  • St. George $496,100
  • Washington $510,700
  • Utah $489,400
  • United States $332,700
Typical monthly rent
  • St. George $1,545
  • Washington $1,566
  • Utah $1,496
  • United States $1,413
Typical yearly household income
  • St. George $76,508
  • Washington $80,632
  • Utah $95,166
  • United States $80,734
See the full table
St. George next to Washington County and Utah
Measure St. George Washington County Utah U.S.
Typical home value $496,100 $510,700 $489,400 $332,700
Typical monthly rent $1,545 $1,566 $1,496 $1,413
Typical yearly household income $76,508 $80,632 $95,166 $80,734
Households that own their home 67% 72% 70% 65%
Typical yearly property tax $2,122 $2,158 $2,525 $3,119
Effective property tax rate 0.43% 0.42% 0.52% 0.94%
Renters with high rent for their income 57% 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 St. George

For a typical $496,100 home in St. George, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, St. George's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,904a month

    Least cash to close
    Down payment
    $17,364
    Cash to close
    $32,247
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $219

  • Conventional, 5% down $3,813a month

    Down payment
    $24,805
    Cash to close
    $39,688
    Rate
    7.18%
    Mortgage insurance
    PMI · $236

  • Conventional, 20% down, no PMI $3,073a month

    Down payment
    $99,220
    Cash to close
    $114,103
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,532a month

    Down payment
    $74,415
    Cash to close
    $89,298
    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 St. George and for Washington County.

Property tax

Effective rate in St. George

0.43%of the home’s value each year

$2,122 a year for the typical owner in St. George.

  • St. George 0.43%
  • 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 St. George

Typical rent in St. George is $1,545 a month: about the same as the county. In St. George, 57% 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 St. George

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). St. George has 2 ZIP codes with their own.

For 2 bedrooms it runs from $1,550 in 84770 to $1,800 in 84790.

1 of the 2 is above the fair market rent for Washington County ($1,657).

  • 84770 $1,550$2,030
  • 84790 $1,800$2,360

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

HUD lists 16 buildings with rents for lower incomes in St. George. These are the largest.

  • Red Cliff Manor 1768 E 280 N, St George 84790 98 low-income homes · 1 bd: 82 · 2 bd: 16 · In service since 1998 · For older adults, people experiencing homelessness
  • Sierra Pointe I 1503 N 2100 W, St George 84770 109 homes, 97 low-income · Studio: 12 · 1 bd: 38 · 2 bd: 35 · 3 bd: 11 · In service since 1995
  • Summit Pointe Apts. 1710 West 350 North, St George 84770 70 low-income homes · Studio: 11 · 1 bd: 40 · 2 bd: 20 · 3 bd: 11 · In service since 1997 · For older adults
  • Desert Rose Villas 2929 E 450 N, St George 84790 66 homes, 65 low-income · 2 bd: 36 · 4 bd: 8 · In service since 2003
  • Fountain Heights II 3424 S River Rd, St George 84790 60 low-income homes · 2 bd: 30 · 4 bd: 7 · In service since 2004

See all 27 buildings in Washington County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in St. George

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 grandmother pushes her grandson on a playground swing.

HUD counseling is free or low-cost

Assistance programs in St. George

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

The HUD-approved agencies closest to the center of St. George, 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 · 2 miles away

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

  • Community Action Services

    815 S Freedom Blvd, Provo · 241 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 · 244 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 St. George

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 St. George

HUD’s record names them for St. George or Washington County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • St. George Housing Authority Public housing and Section 8 vouchers (435) 628-3648

All housing agencies in Utah 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 St. George, 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 St. George.

All guides
A mother holds hands with her two daughters on the beach at sunset.

Questions

Housing questions about St. George

Short answers with the numbers for St. George 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 St. George?

The typical home value in St. George is $496,100, 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 St. George?

Typical rent in St. George is $1,545 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 St. George?

St. George 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 St. George?

The typical homeowner in St. George pays $2,122 a year, according to the U.S. Census Bureau. That is 0.43% of the home’s value; in Washington County, the rate is 0.42%.

Where can I find free help to buy or rent in St. George?

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).