In Vernal, a typical home is worth $252,700 and typical rent is $934 a month. Compared with all of Uintah County, the typical home value is 15% lower, typical household income is 13% lower, and the share of households that own their home is 19 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $208,582 to $296,499.
Typical rent
$1,473a month
Typical rent from Zillow, March 2026 to September 2026: from $1,497 to $1,473.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Vernal is in Uintah 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 Uintah County. See the county
What this place has that others do not, from public data, most unusual first.
1
Vernal has the 2nd lowest typical home value of the 97 cities in Utah with more than 5,000 people ($252,700).
2
55% of households in Vernal own their home, against 74% in Uintah County.
3
Vernal has the 5th lowest typical rent of the 96 cities in Utah with more than 5,000 people ($934).
4
Vernal has the 6th lowest typical household income of the 97 cities in Utah with more than 5,000 people ($64,457).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Vernal
What homes there are in Vernal, 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
Vernal
Uintah County
Utah
United States
Kind of home: Vernal and its comparisons
Measure
Vernal
Uintah County
Utah
United States
Detached house
51%
70%
67%
61%
Attached house
7%
3%
8%
6%
Building of 2 to 4
16%
8%
7%
8%
Apartments (5 or more)
16%
7%
16%
19%
Mobile home
10%
12%
3%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Vernal, 5 in 10 homes are single-family detached houses; in Uintah County, 7.
Year built
Before 19601960–19791980–19992000–20092010 or later
Vernal
Uintah County
Utah
United States
Year built: Vernal and its comparisons
Measure
Vernal
Uintah County
Utah
United States
Before 1960
16%
10%
15%
26%
1960–1979
34%
26%
20%
24%
1980–1999
17%
22%
26%
25%
2000–2009
24%
26%
18%
14%
2010 or later
9%
17%
21%
11%
The typical home in Vernal was built in 1980, 12 years before the typical one in Uintah County.
Homes in Vernal are smaller: 62% have 3 bedrooms or more; in Uintah County, 74%.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K17%
$200K–$300K46%
$300K–$500K28%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Vernal and its comparisons
Measure
Vernal
Under $100K
Unreliable estimate
$100K–$200K
17%
$200K–$300K
46%
$300K–$500K
28%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99949%
$1,000–$1,49935%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Vernal and its comparisons
Measure
Vernal
Under $500
Unreliable estimate
$500–$999
49%
$1,000–$1,499
35%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
With a mortgage
$1,473 a month
Uintah County: $1,567 a month
Without a mortgage
$371 a month
Uintah County: $424 a month
Owners with a mortgage
66%
Uintah County: 59%
Owning costs less in Vernal: with a mortgage, the typical cost is $1,473 a month; in Uintah County, $1,567. Without one, $371.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Vernal+52%
Uintah County+52%
Utah+75%
United States+53%
Typical rent
Vernal+28%
Uintah County+16%
Utah+44%
United States+33%
Typical household income
Vernal+33%
Uintah County+13%
Utah+33%
United States+29%
Change since 2015–2019: Vernal and its comparisons
Measure
Vernal
Uintah County
Utah
United States
Typical home value
+52%
+52%
+75%
+53%
Typical rent
+28%
+16%
+44%
+33%
Typical household income
+33%
+13%
+33%
+29%
From 2015–2019 to 2020–2024, home values in Vernal rose at about the same pace as in Uintah County: 52% against 52%.
Rents in Vernal rose faster than in Uintah County: 28% since 2015–2019, against 16%.
The typical household income in Vernal rose 33% over that time; home values changed +52% and rent +28%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Vernal and its comparisons
Measure
Vernal
Uintah County
Utah
United States
Rental vacancy
Unreliable estimate
Unreliable estimate
5.5%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.6%
0.9%
More than one person per room
Unreliable estimate
3.9%
3.1%
3.4%
People per household
3.00
3.02
2.97
2.53
Drive alone
70%
73%
67%
69%
Carpool
12%
12%
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
2%
3%
Walk or bike
13%
5%
3%
3%
Work from home
Unreliable estimate
8%
18%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
Unreliable estimate
10 to 19 minutes
Unreliable estimate
20 to 29 minutes
By size, households in Vernal look like those in Uintah County: 3.00 people on average.
More people walk or bike to work in Vernal: 13%, against 5% in Uintah County.
Do the math
What would you pay each month for a home in Vernal?
A typical home costs more than the typical income allows
We start with a typical home in Vernal, worth $252,700, 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 Vernal, which is $64,457 a year. For that payment to be 28% of income, a household would need to earn about $86,123 a year.
The calculator's FHA and conventional loan limits are those of all of Uintah 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 Vernal. 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 $8,845 (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
$2,010
at 7.18% · 30 years
Loan amount
$248,122
Total interest
$356,990
Paid off in
November 2056
Includes $4,267 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,504 a month
Tight
$1,504 to $1,934 a month
Hard
more than $1,934 a month
Your payment · 37%
Compared with the typical household income in Vernal ($64,457 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,681
Property tax
$112
Home insurance
$105
FHA mortgage insurance (MIP)
$112
You need at least $8,845 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 $2,010; principal and interest $1,681.
The city and its county
Vernal and Uintah County
Vernal is in Uintah 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).
Vernal
Map of Uintah County, Utah, with Vernal marked. Around it, the neighboring counties.
Vernal
Uintah County
Other cities with a page
Vernal's own numbers
Typical home value
$252,700
Typical monthly rent
$934
Typical yearly household income
$64,457
Households that own their home
55%
Effective property tax rate
0.53%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Uintah County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,014
Price change over 5 years (FHFA)
+69%
Homes in a high flood-risk zone
3.1%
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 Uintah County.
A typical home in Vernal is worth $252,700: 15% below the county and 48% below Utah. With the typical household income in Vernal ($64,457 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.
Vernal3.9 years
Uintah4.0 years
Utah5.1 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Uintah County
According to FHFA’s house price index, home prices in Uintah County rose 74% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Uintah County.
Yearly change in FHFA’s price index in Uintah County, 2016 to 2025
2016: −5.5% −5.5% 2016
2017: −3.1% −3.1% 2017
2018: +4.6% +4.6% 2018
2019: +4.9% +4.9% 2019
2020: +2.6% +2.6% 2020
2021: +10.9% +10.9% 2021
2022: +22.6% +22.6% 2022
2023: +13.2% +13.2% 2023
2024: +9.3% +9.3% 2024
2025: +0.2% +0.2% 2025
Change in FHFA’s price index in Uintah County, Utah and the United States
Period
County
Utah
U.S.
Last year (2025)
+0.2%
+2.4%
+2.9%
5 years (2020–2025)
+69%
+53%
+47%
10 years (2015–2025)
+74%
+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
Vernal next to Uintah 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
Vernal$252,700
Uintah$298,600
Utah$489,400
United States$332,700
Typical monthly rent
Vernal$934
Uintah$941
Utah$1,496
United States$1,413
Typical yearly household income
Vernal$64,457
Uintah$73,746
Utah$95,166
United States$80,734
See the full table
Vernal next to Uintah County and Utah
Measure
Vernal
Uintah County
Utah
U.S.
Typical home value
$252,700 ▼15% below the county
$298,600
$489,400
$332,700
Typical monthly rent
$934
$941
$1,496
$1,413
Typical yearly household income
$64,457 ▼13% below the county
$73,746
$95,166
$80,734
Households that own their home
55% ▼19 points below the county
74%
70%
65%
Typical yearly property tax
$1,332 ▼13% below the county
$1,523
$2,525
$3,119
Effective property tax rate
0.53% ▲0.02 points above the county
0.51%
0.52%
0.94%
Renters with high rent for their income
35% ▲4 points above the county
31%
47%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Uintah 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 Vernal
For a typical $252,700 home in Vernal, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Vernal's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,010a month
Least cash to close
Down payment
$8,845
Cash to close
$16,426
Rate
7.18%
Mortgage insurance
FHA MIP · $112
Conventional, 5% down$1,963a month
Down payment
$12,635
Cash to close
$20,216
Rate
7.18%
Mortgage insurance
PMI · $120
Conventional, 20% down, no PMI$1,586a month
Down payment
$50,540
Cash to close
$58,121
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,820a month
Down payment
$37,905
Cash to close
$45,486
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Vernal
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,010
$8,845
$248,123
7.18%
FHA MIP · $112
$16,426
580
Conventional, 5% down
$1,963
$12,635
$240,065
7.18%
PMI · $120
$20,216
620*
Conventional, 20% down, no PMI
$1,586
$50,540
$202,160
7.18%
None
$58,121
620*
ITIN, 15% down (example)
$1,820
$37,905
$214,795
8.18%
None
$45,486
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 Vernal is $934 a month: about the same as the county. In Vernal, 35% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Uintah County, by unit size. To pay the 2-bedroom one ($1,014 a month) without spending more than 30% of your income, you would need to earn $19.50 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 Uintah County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$759
$14.60
$30,360
1 bedroom
$829
$15.94
$33,160
2 bedrooms
$1,014
$19.50
$40,560
3 bedrooms
$1,346
$25.88
$53,840
4 bedrooms
$1,695
$32.60
$67,800
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 Vernal
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Vernal is in ZIP code 84078.
For 2 bedrooms it is $1,010: $4 less than the fair market rent for Uintah County ($1,014).
Fair market rent by ZIP code and size in Vernal, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
84078
$760
$830
$1,010
$1,360
$1,700
ZIP code2 bd3 bd
84078 $1,010$1,360
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Vernal 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.
We found no HUD-approved agencies with an office in Uintah County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Vernal or Uintah County. The ones below are statewide in Utah: they work in Vernal 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 Vernal or Uintah 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 Vernal and all of Uintah 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 Vernal?
The typical home value in Vernal is $252,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Uintah County it is $298,600.
How much does it cost to rent in Vernal?
Typical rent in Vernal is $934 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Uintah County is $1,014.
What is the FHA loan limit in Vernal?
Vernal uses the FHA limit for all of Uintah 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 Vernal?
The typical homeowner in Vernal pays $1,332 a year, according to the U.S. Census Bureau. That is 0.53% of the home’s value; in Uintah County, the rate is 0.51%.
Where can I find free help to buy or rent in Vernal?
We found no HUD-approved counseling agencies with an office in Uintah County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
