Utah Mortgage Calculator 2026
Calculate your monthly mortgage payment in Utah. Updated with 2026 Utah mortgage rates (6.3% avg), property tax (0.58%), and insurance. 10,000+ Utah homebuyers use this free calculator.
How to Use This Utah Mortgage Calculator
Enter your home price, down payment, and interest rate to instantly calculate your monthly mortgage payment in Utah. Results include Principal & Interest (P&I), Property Tax, Homeowners Insurance, and total interest paid.
Utah Mortgage Rates in 2026
The average mortgage rate in Utah is currently 6.3% for a 30-year fixed-rate loan. Rates typically range from 6.0% to 6.6% depending on your credit score and down payment.
Utah Property Taxes
Utah has an effective property tax rate of approximately 0.58% per year, lower than the national average.
Average Home Price in Utah
The median home price in Utah is approximately $480,000. At 20% down ($96,000), your loan amount is $384,000. Monthly P&I at 6.3% is approximately $2,376.
30-Year vs 15-Year Mortgage in Utah
| Loan Type | Monthly P&I | Total Interest |
|---|---|---|
| 30-Year Fixed @ 6.3% | $2,376 | $471,360 |
| 15-Year Fixed @ 6.3% | $3,302 | $210,360 |
Popular Cities in Utah
Frequently Asked Questions
What is the average mortgage rate in Utah?
As of 2026, average Utah mortgage rates range from 6.0% to 6.6% for a 30-year fixed-rate loan.
How much down payment do I need in Utah?
Most lenders require 3-20% down. Conventional loans need 5-20%, FHA loans accept as little as 3.5%.
Are property taxes high in Utah?
Utah has an effective property tax rate of approximately 0.58% annually.
What is PMI?
PMI is required if down payment is less than 20%. Once you reach 20% equity, you can request cancellation.
What documents do I need for a Utah mortgage?
Pay stubs, W-2s or tax returns (2 years), bank statements (3 months), valid ID, and debt details.
How long does mortgage approval take in Utah?
Mortgage approval in Utah typically takes 30-45 days from application to closing.