Utah Mortgage Calculator

Estimate your Utah mortgage payment using the state's 0.52% average effective property tax rate, $1,300/yr average home insurance, and Utah's $530,000 median home price (Zillow ZHVI), with current 30-year fixed rates from Freddie Mac plus PMI and HOA. Utah's primary residential exemption taxes only 55% of a home's value. Compare scenarios, view a full amortization schedule, and analyze whether it's better to rent or buy.

Median Home Price$530,000
Property Tax0.52%
Insurance / yr$1,300
StateUT
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Calculator

Mortgage
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↗ 6.83% avg · Apr 2026 Freddie Mac
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Summary

Your
Breakdown

Monthly Payment
 
P&I
Tax
Ins
Loan Amount
Down Payment
Total Interest
Total Cost
Extra Payment Impact
Interest Saved
Time Saved
New Payoff
Total Saved
Principal
Interest
Down Pmt