Utah Mortgage Calculator
What will your Utah payment really be?
Enter a home price and your ZIP code. Property taxes are estimated from your county's 2025 tax rate — not a statewide guess.
Estimated monthly payment
$3,056.46
- Principal & interest (30 yr)
- $2,559.88
- Interest rate
- 6.500%
- Estimated APR
- $0 in entered finance charges
- 6.500%
- Property taxes — Cache County
- $1,729/yr at 0.699% of taxable value
- $144.09
- Mortgage insurance (est.)
- Drops off at 20% equity
- $202.50
- Homeowner's insurance (est.)
- $1,800/yr entered estimate
- $150.00
- Home price
- $450,000
- Down payment
- $45,000 (10%)
- Loan amount
- $405,000
Utah taxes owner-occupied primary residences on 55% of market value (45% primary residential exemption). Uncheck "primary residence" for a second home or rental, which is taxed on full market value. Estimates use the Cache County 2025 average rate; your actual bill varies by tax district and exemptions.
Want a real number, not an estimate?
Tom Bussino — Logan and Cache Valley's local loan officer — will price your loan with wholesale lender rates, free.
How Utah property taxes work
Utah's property taxes are among the lowest in the nation, and owner-occupied homes get a 45% exemption — you're only taxed on 55% of your home's market value. Rates are set locally, so two homes of equal value across a county line can have different bills. That's why this calculator uses your ZIP code to pick your county's 2025 average rate from the Utah State Tax Commission's adopted tax rates.
This calculator is an educational estimate, not a loan offer. Property taxes and homeowner's insurance are estimates. Any HOA fees are not included in the calculation above. The estimated APR is based on the interest rate and finance charges entered and may differ from the APR in your official Loan Estimate.