Free · Utah-specific · Current rates
Utah mortgage calculator
See your full monthly payment — principal, interest, Utah's low property tax, insurance, PMI (if any), and HOA — all in one place. Pre-filled with current Utah rates.
Your scenario
Adjust tax, insurance, HOA
Monthly breakdown
Based on 30-year fixed at 7.00%
Monthly payment
$3,011
| Principal + interest | $2,661 |
| Property tax (Utah) | $250 |
| Homeowners insurance | $100 |
| Loan amount | $400,000 |
| Cash to close (~3% costs) | $115,000 |
| Total interest (life) | $558,036 |
Just an estimate. This is an estimate, not a quote. It doesn't know your credit score, your debt-to-income ratio (DTI), your income or savings, or which loan programs you qualify for, and any of those can change your rate and payment. A lender can give you real numbers.
About this calculator
- Rates come from Freddie Mac PMMS + Optimal Blue Mortgage Market Indices via FRED, refreshed daily.
- Utah's effective property tax rate is around 0.6% — one of the lowest in the US.
- Conventional PMI kicks in below 20% down; the estimate uses 0.55% of the loan amount a year. FHA adds a 1.75% upfront premium plus annual mortgage insurance at any down payment. VA has no monthly mortgage insurance but adds a funding fee to the loan.
- This is a directional estimate, not a quote. Your actual rate depends on credit, income, and lock day.
With a $3,011/mo budget at these settings, you'd max out around $500,000 in home price. Adjust the slider to explore.