FHA Loan Rates in Utah (UT) + Mortgage Calculator 2026
Estimate your monthly mortgage payment in Utah with local property tax rates pre-filled. Utah's strong tech economy and population growth have pushed home prices well above the national median in recent years.
Calculate your Utah payment →Avg property tax rate
0.56%
annual
Median home price
$500K
Salt Lake City area
Avg home insurance
$115/mo
estimate
What a typical Utah FHA payment looks like
At Utah's median home price of $500,000 with the FHA minimum 3.5% down ($17,500), the upfront MIP of $8,444 is financed into the loan for a total of $490,944. At a 6.8% example rate over 30 years, the monthly payment breaks down like this:
| Principal & interest | $3,201/mo |
| Property tax (0.56% avg) | $233/mo |
| Home insurance (state avg) | $115/mo |
| FHA monthly MIP (0.55%) | $221/mo |
| Estimated total (PITI + MIP) | $3,770/mo |
Utah's 0.56% average property tax rate is below the ~0.9% national average — about $142/mo less on the median Utah home than a typical US buyer pays. Figures are estimates using state averages; your county's rate and your quoted interest rate will differ — run your own numbers in the calculator above.
How Utah compares with similar-priced states
| State | Median price | Avg tax rate | Est. monthly tax |
|---|---|---|---|
| Utah | $500,000 | 0.56% | $233/mo |
| New Jersey | $480,000 | 2.47% | $988/mo |
| Oregon | $480,000 | 0.91% | $364/mo |
| Colorado | $545,000 | 0.49% | $223/mo |
FHA Loan Rates in Utah (UT) — 2026 Averages
FHA loan rates in Utah follow national FHA benchmarks — your state has little effect on your rate. What moves the needle is your credit score, down payment, and the lender you choose. As of 2026, rates are approximately:
30-year fixed
6.8%
avg 2026
15-year fixed
6.2%
avg 2026
FHA 30-year
6.5%
avg 2026
VA 30-year
6.3%
avg 2026
Rates change daily and vary by lender, credit score, and loan-to-value. Use the calculator below to see how the rate affects your payment.
Estimated monthly payment
$2,799
Loan amount: $343,661 · 30-year FHA
Recommended gross income: $108,347/yr(31% DTI rule)
Payment breakdown
Amortization schedule
Loan amount
$343,661
Total interest
$462,887
Total paid
$806,548
Payoff
30y 0m
| Year | Principal | Interest | Balance |
|---|---|---|---|
| Year 1 | $3,628 | $23,257 | $340,033 |
| Year 2 | $3,882 | $23,003 | $336,151 |
| Year 3 | $4,155 | $22,730 | $331,996 |
| Year 4 | $4,446 | $22,439 | $327,550 |
| Year 5 | $4,758 | $22,127 | $322,792 |
| Year 6 | $5,092 | $21,793 | $317,700 |
| Year 7 | $5,449 | $21,436 | $312,251 |
| Year 8 | $5,831 | $21,054 | $306,420 |
| Year 9 | $6,240 | $20,644 | $300,179 |
| Year 10 | $6,678 | $20,207 | $293,501 |
| Year 11 | $7,147 | $19,738 | $286,354 |
| Year 12 | $7,648 | $19,237 | $278,706 |
| Year 13 | $8,185 | $18,700 | $270,521 |
| Year 14 | $8,759 | $18,126 | $261,762 |
| Year 15 | $9,374 | $17,511 | $252,388 |
| Year 16 | $10,031 | $16,854 | $242,357 |
| Year 17 | $10,735 | $16,150 | $231,622 |
| Year 18 | $11,488 | $15,397 | $220,134 |
| Year 19 | $12,294 | $14,591 | $207,839 |
| Year 20 | $13,157 | $13,728 | $194,682 |
| Year 21 | $14,080 | $12,805 | $180,602 |
| Year 22 | $15,068 | $11,817 | $165,534 |
| Year 23 | $16,125 | $10,760 | $149,409 |
| Year 24 | $17,256 | $9,629 | $132,153 |
| Year 25 | $18,467 | $8,418 | $113,686 |
| Year 26 | $19,763 | $7,122 | $93,923 |
| Year 27 | $21,149 | $5,736 | $72,774 |
| Year 28 | $22,633 | $4,252 | $50,141 |
| Year 29 | $24,221 | $2,664 | $25,920 |
| Year 30 | $25,920 | $965 | $0 |
Disclaimer: The results provided by this calculator are estimates for informational purposes only and do not constitute financial, legal, or tax advice. Actual loan terms, interest rates, monthly payments, and total costs will vary based on your credit profile, lender, and other factors. Property tax rates shown are state averages and may differ from your local rate. FHA mortgage insurance premiums (MIP) are based on current HUD guidelines and are subject to change. Always consult a licensed mortgage professional or financial advisor before making any borrowing decisions. HitCalc is not a lender and does not offer mortgage products.
Rates, tax averages, and program figures last verified July 2026 against published HUD, FHFA, and state sources.
Utah mortgage FAQs
What is the property tax rate in Utah?
The average effective property tax rate in Utah is 0.56%. On a $500,000 home — the Utah median — that works out to approximately $233/month added to your mortgage payment. Rates vary by county, so check your specific county assessor for a precise figure.
What is the median home price in Utah?
The median home price in Utah is approximately $500,000. Prices vary significantly by city and neighborhood — Salt Lake City and Provo tend to be the most active markets. Use the calculator above to estimate payments at different price points.
How much is homeowners insurance in Utah?
The average homeowners insurance premium in Utah is approximately $115/month ($1,380/year). Our calculator uses this as a default estimate. Actual premiums depend on your home's age, construction, location, and coverage level — always get multiple quotes before closing.
Can I get an FHA loan in Utah?
Yes — FHA loans are available in all 50 states including Utah. The 2026 FHA loan limit for most Utah counties is $524,225 for a single-family home, with higher limits in high-cost areas. FHA loans require a minimum 3.5% down payment with a 580+ credit score.
What are the major cities to buy a home in Utah?
The most active housing markets in Utah include Salt Lake City, Provo, Ogden. Each market has different price points and property tax rates — use our calculator to compare monthly payments at your target price.
What are FHA loan rates in Utah (UT)?
FHA loan rates in Utah closely follow national FHA benchmarks — your state of residence has little impact on your rate. As of 2026, FHA 30-year rates average around 6.5%, conventional 30-year around 6.8%, 15-year fixed around 6.2%, and VA loans around 6.3%. Your actual rate depends on your credit score, down payment, and lender. Use the calculator above to see how a small rate change affects your monthly payment.