Utah Mortgage Calculator
Estimate your monthly mortgage payment in Utah. On the state's median home value of $510,000, with a 20% down payment at today's rates, expect a total monthly payment (principal, interest, taxes, and insurance) around $2,922. Adjust every input for your situation.
Monthly Breakdown
- Principal & Interest$2,579
- Property Tax$268
- Home Insurance$75
Amortization Schedule
| Year | Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| 1 | $30,946 | $4,560 | $26,386 | $403,440 |
| 2 | $30,946 | $4,866 | $26,080 | $398,574 |
| 3 | $30,946 | $5,192 | $25,754 | $393,382 |
| 4 | $30,946 | $5,539 | $25,407 | $387,843 |
| 5 | $30,946 | $5,910 | $25,036 | $381,933 |
| 6 | $30,946 | $6,306 | $24,640 | $375,627 |
| 7 | $30,946 | $6,728 | $24,218 | $368,898 |
| 8 | $30,946 | $7,179 | $23,767 | $361,719 |
| 9 | $30,946 | $7,660 | $23,286 | $354,059 |
| 10 | $30,946 | $8,173 | $22,773 | $345,887 |
| 11 | $30,946 | $8,720 | $22,226 | $337,166 |
| 12 | $30,946 | $9,304 | $21,642 | $327,862 |
| 13 | $30,946 | $9,927 | $21,019 | $317,935 |
| 14 | $30,946 | $10,592 | $20,354 | $307,343 |
| 15 | $30,946 | $11,302 | $19,645 | $296,041 |
| 16 | $30,946 | $12,058 | $18,888 | $283,983 |
| 17 | $30,946 | $12,866 | $18,080 | $271,117 |
| 18 | $30,946 | $13,728 | $17,218 | $257,389 |
| 19 | $30,946 | $14,647 | $16,299 | $242,742 |
| 20 | $30,946 | $15,628 | $15,318 | $227,114 |
| 21 | $30,946 | $16,675 | $14,271 | $210,440 |
| 22 | $30,946 | $17,791 | $13,155 | $192,648 |
| 23 | $30,946 | $18,983 | $11,963 | $173,666 |
| 24 | $30,946 | $20,254 | $10,692 | $153,412 |
| 25 | $30,946 | $21,611 | $9,335 | $131,801 |
| 26 | $30,946 | $23,058 | $7,888 | $108,743 |
| 27 | $30,946 | $24,602 | $6,344 | $84,141 |
| 28 | $30,946 | $26,250 | $4,696 | $57,891 |
| 29 | $30,946 | $28,008 | $2,938 | $29,883 |
| 30 | $30,946 | $29,883 | $1,063 | $0 |
Swipe the table sideways to see all columns →
How to use it
A two-minute guide.
The Home Price field is pre-filled with Utah's median home value (about $510,000). Override with your target home's actual price for a property-specific estimate.
The Property Tax Rate is pre-filled with Utah's average effective rate of 0.63%. Within Utah, rates vary by county — if you know your specific local rate from your county assessor or last tax bill, override it for a more precise estimate.
The Home Insurance default reflects Utah's typical annual premium of approximately $900.
Adjust the Down Payment slider to compare scenarios. Below 20% down triggers PMI; the calculator adds it automatically and flags it.
How it works
The math behind the result.
The Utah median home, in dollar terms. At $510,000 with a 20% down payment, you bring $102,000 to closing (plus closing costs) and take out a $408,000 mortgage. At today's 6.50% 30-year fixed rate, your monthly principal and interest is roughly $2,579.
Utah's ongoing housing costs. The state's average property tax rate of 0.63% produces about $3,213 per year on a median-priced home — typically paid through escrow with your mortgage. Insurance averages $900/year in Utah.
Total monthly payment (PITI) on the median Utah home works out to about $2,922/month at current rates with 20% down and no HOA. Putting less down adds PMI; HOA dues add separately if your specific neighborhood requires them.
Your specific city matters. Median home prices vary widely within Utah — major cities are usually 30-100% above the state median, rural areas can be well below. For city-specific calculators with local home prices pre-filled, use the city links below.
Questions
Frequently asked.
Want a more local estimate? See our city-specific Utah mortgage calculators or check Utah property tax rates.
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