Utah Mortgage Calculator
Estimate the monthly PITI payment on a Utah home. Preseeded with the state’s 0.57% effective property-tax rate, $800 average annual insurance, and $510,000 median home price.
Loan Parameters
$
$
Percentage
20.0 %
Loan Term
Advanced Options
$
Monthly Payment (PITI)
$3,058
- Principal & Interest
- $2,579
- Property Taxes
- $242
- Home Insurance
- $67
- PMI
- $170
Total Interest
$520,382
Total Cost
$1,039,592
Payoff Year
2056
Utah Property Tax, Insurance & Home Prices
- Effective property-tax rate
- 0.57%
- Avg annual insurance
- $800
- Median home price
- $510,000
Statewide averages, last reviewed May 2026. Actual rates and premiums vary significantly by county, city, and parcel — see the notes below.
Notable Utah Rules
Utah taxes only 55% of a primary residence's market value (the “primary residential exemption”) — second homes and rentals are taxed on full value. This makes effective rates on owner-occupied homes among the lowest in the country relative to nominal rates.
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Frequently Asked Questions
- Utah's statewide effective property-tax rate is approximately 0.57% of home value (last reviewed May 2026). Actual county- and city-level rates vary; check your specific parcel before budgeting.