Utah House Affordability Calculator
Estimate what you can afford in Utah using state-specific property taxes, debt-to-income limits, and financing assumptions.
As of 2026 · Utah state data: Utah State Tax Commission
Affordability examples by income (Utah)
| Income | Max home price | Monthly housing | Down payment |
|---|---|---|---|
| $60,000 | $188,629.28 | $1,100 | $37,725.86 |
| $80,000 | $291,517.98 | $1,700 | $58,303.60 |
| $100,000 | $394,406.68 | $2,300 | $78,881.34 |
| $120,000 | $480,147.27 | $2,800 | $96,029.45 |
| $150,000 | $600,184.08 | $3,500 | $120,036.82 |
Affordability inputs
Affordability result summary
Based on your income of $100,000 in Utah, you can afford a home up to $394,406.68 with a monthly housing payment of $2,300.
Max home price
$394,406.68
Max loan amount
$315,525.35
Down payment
$78,881.34
Adjusted mortgage rate
6.50%
Property tax rate
0.58%
Estimated take-home (monthly)
$6,223.33
Monthly payment breakdown
Principal + Interest
$1,994.33
Property tax
$190.63
Insurance
$115.04
HOA
$0
Total housing
$2,300
Comfortable vs Stretch vs Maximum
| Range | Monthly budget | Home price | Down payment needed |
|---|---|---|---|
| Comfortable | $1,840 | $315,525.35 | $63,105.07 |
| Stretch | $2,070 | $354,966.01 | $70,993.20 |
| Maximum | $2,300 | $394,406.68 | $78,881.34 |
AI explains your result
FinCalc AI
State tax impact comparison
In Texas vs Utah, the same inputs change max affordability by -$50,174.88, with monthly property tax changing by $268.35.
Texas vs California affordability gap with these inputs: -$42,981.57.
After-tax affordability check
Housing consumes 37.0% of estimated take-home pay, leaving $3,223.33/month after housing and existing debts.
State median home price benchmark: $560,000. Your max is -29.6% vs median.
Buying a home in Utah
Lenders qualify Utah buyers on gross income, but the budget that actually pays the mortgage is net of the state's flat 4.50% income tax — a few percentage points of headroom that a pre-approval letter quietly assumes you have. Property tax adds a second, permanent layer at roughly 0.58% of assessed value per year.
A buyer earning $100,000 with $600 monthly recurring debt, 20% down, and a 6.5% 30-year fixed mortgage can typically afford a home up to about $400,122.72 in Utah, with an estimated monthly housing cost around $2,333.33. The 2026 median single-family home price in Utah is around $560,000.
The 0.58% property tax used here is a statewide effective average — actual bills are set at the county and city level and can differ substantially within Utah. Verify with Utah State Tax Commission (https://incometax.utah.gov/paying/tax-rates) and the county assessor before setting a price ceiling.
Utah home affordability — FAQ
How much house can I afford on $60K in Utah?
On a $60,000 annual income in Utah (single filer, 60% DTI from debt, 20% down, 30-year fixed at 6.5%, good credit, 2026), estimated max home price is around $240,073.63 with a monthly housing payment near $1,400. That breaks down to about $1,213.94 principal & interest, $116.04 property tax, and $70.02 insurance per month.
How much house can I afford on $100K in Utah?
On a $100,000 annual income in Utah (single filer, 60% DTI from debt, 20% down, 30-year fixed at 6.5%, good credit, 2026), estimated max home price is around $400,122.72 with a monthly housing payment near $2,333.33. That breaks down to about $2,023.24 principal & interest, $193.39 property tax, and $116.70 insurance per month.
How much house can I afford on $150K in Utah?
On a $150,000 annual income in Utah (single filer, 60% DTI from debt, 20% down, 30-year fixed at 6.5%, good credit, 2026), estimated max home price is around $600,184.08 with a monthly housing payment near $3,500. That breaks down to about $3,034.86 principal & interest, $290.09 property tax, and $175.05 insurance per month.
What is the property tax rate in Utah?
Utah's effective property tax rate is approximately 0.58% of assessed home value annually. That is among the lowest in the country — only Hawaii (~0.28%) and Alabama (~0.39%) are lower. On a $560,000 home, expect roughly $3,248 per year in property tax.
What is the median home price in Utah?
The 2026 median single-family home price in Utah is around $560,000. With 20% down that means a down payment near $112,000 and a financed amount of about $448,000. Prices vary widely by metro — coastal and urban areas typically exceed the state median by 30%–60%.
Is Utah good for first-time homebuyers?
Utah state income tax reduces take-home pay, which lenders factor into debt-to-income ratios. Property tax at 0.58% is a low recurring cost. Utah first-time buyers may qualify for state-administered down-payment-assistance programs through the state housing finance agency.
What's the 28/36 rule and how does it apply in Utah?
Lenders typically cap front-end DTI (housing payment / gross monthly income) at 28% and back-end DTI (housing + all debt / gross monthly income) at 36%. In high-property-tax states like Utah (~0.58% property tax), the front-end ratio binds sooner because property tax and insurance can push monthly housing 25%–35% above pure principal & interest. Use the comfortable, stretch, and maximum ranges above to gauge how aggressive your budget is.
Can I afford more house in Utah or Nevada?
On the same $100,000 income, 20% down, 6.5% rate, good credit profile, the estimated max home price is $400,122.72 in Utah vs $403,002.19 in Nevada. Nevada allows about $2,879.47 more purchasing power — driven mainly by differences in state income tax (affecting take-home) and property tax rates.
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