Utah mortgage calculator

Use our free mortgage calculator to estimate your monthly mortgage payment, includi...ng your principal and interest, taxes, insurance, and PMI in Utah. See how your monthly payment changes by making updates to your home price, down payment, interest rate, and loan term.

Utah housing market

Utah, the Beehive State, has 15th most expensive housing market in the country driv...en by strong markets in Salt Lake City and Provo, among others. If you want to buy in Utah, keep in mind that homeowners tend to spend about 20% of their income on home expenses. A gorgeous state with Zion, Bryce, Natural Bridges, the great Salt Lake, and the Little and Big Cottonwood Canyons, Utah is rich with natural beauty and outdoor opportunities.

Your monthly payment
30 year fixed loan term
Monthly payment
Principal & interest


Property taxes

Homeowners insurance

Homeowners association (HOA) fees

Compare common loan types
Total principal: $240,000
Loan Term
30 year fixedYour input
15 year fixed30 year fixed
Monthly Payment$1,599$2,011$1,448
Mortgage Rate4.125%2.277%*3.0%*
Total interest paid
Loan Term
30 year fixedYour input
15 year fixed30 year fixed
Monthly Payment$1,599$2,011$1,448
Mortgage Rate4.125%2.277%*3.0%*
Total interest paid

See how your payments change over time for your 30 year fixed loan term

At year 0

30 year fixed loan term

Principal Paid
Interest Paid
Year 0
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We’ll share an interesting insight here for key milestones in your payoff schedule.

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Principal & interest


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Utah mortgage and refinance rates today (APR)

ProductInterest rateAPR
30-year fixed-rate2.948%3.012%
20-year fixed-rate2.785%2.874%
15-year fixed-rate2.169%2.283%
10-year fixed-rate3.281%3.445%
7/1 ARM2.656%2.941%
5/1 ARM2.375%2.792%
30-year fixed-rate FHA2.375%3.112%
30-year fixed-rate VA2.573%2.879%

Data source: ©Zillow, Inc. 2006 – 2021. Use is subject to the Terms of Use

Today's rate

30-year fixed

Today’s mortgage rates in Utah are 3.012% for a 30-year fixed, 2.283% for a 15-year fixed, and 2.792% for a 5/1 adjustable-rate mortgage (ARM).

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Utah's first-time home buyer programs

The Utah Housing Corp., or Utah Housing, offers several loan programs to help qualified first-time home buyers get a mortgage.

FirstHome Loan

State program

Learn more

at Utah Housing

Best for

Low down payment

Down payment assistance

Closing cost assistance

What you need to know

The FirstHome Loan program offers mortgages for first-time home buyers and qualified veterans and single parents. Loans can be used for manufactured homes, with certain restrictions. The minimum credit score is 660 and there are limits on household income and purchase price. In addition to getting...

See full article

Utah's best mortgage lenders

NerdWallet has done the work for you to pick the best financing partner for you in Utah.

See full article

Average property tax in Utah counties

Taking U.S. Census data, NerdWallet has crunched the numbers to help you understand what property tax rate you can expect to pay on your future home in Utah. Because assessed values aren’t frequently updated, you may pay a higher rate at first but eventually you’ll pay a similar rate.

Avg. property tax rate
Avg. home value
Beaver County0.49%$147,300
Box Elder County0.61%$179,600
Cache County0.59%$218,400
Carbon County0.66%$129,900
Daggett County0.56%$202,900
Davis County0.64%$282,800
Duchesne County0.68%$178,100
Emery County0.62%$136,200
Garfield County0.47%$166,300
Grand County0.49%$230,900
Iron County0.6%$183,100
Juab County0.54%$175,800
Kane County0.61%$190,200
Millard County0.57%$150,300
Morgan County0.6%$311,000
Piute County0.55%$143,800
Rich County0.4%$160,400
Salt Lake County0.7%$301,700
San Juan County0.55%$136,600
Sanpete County0.64%$169,400
Sevier County0.54%$152,800
Summit County0.4%$558,300
Tooele County0.66%$224,000
Uintah County0.56%$194,800
Utah County0.56%$297,900
Wasatch County0.55%$357,300
Washington County0.6%$279,800
Wayne County0.45%$175,800
Weber County0.74%$221,000

Source: American Communities Survey 2016, U.S. Census

Under "Home price," enter the price (if you're buying) or the current value (if you're refinancing). NerdWallet also has a .

Under "Down payment," enter the amount of your down payment (if you’re buying) or the amount of equity you have (if refinancing). A  is the cash you pay upfront for a home, and  is the value of the home, minus what you owe.

On desktop, under "Interest rate" (to the right), enter the rate. Under "Loan term," click the plus and minus signs to adjust the length of the mortgage in years.

On mobile devices, tap "Refine Results" to find the field to enter the rate and use the plus and minus signs to select the "Loan term."

You may enter your own figures for  and , if you don’t wish to use NerdWallet’s estimates. Edit these figures by clicking on the amount currently displayed.

The mortgage calculator lets you click "Compare common loan types" to view a comparison of different loan terms. Click "Amortization" to see how the principal balance, principal paid (equity) and total interest paid change year by year. On mobile devices, scroll down to see "Amortization."

» MORE: 

The mortgage payment calculation looks like this: M = P [ i(1 + i)^n ] / [ (1 + i)^n – 1]

The variables are as follows:

Determining what your monthly house payment will be is an important part of figuring out how much house you can afford. That monthly payment is likely to be the biggest part of your cost of living.

Using NerdWallet’s mortgage calculator lets you estimate your mortgage payment when you buy a home or refinance. You can change loan details in the calculator to run scenarios. The calculator can help you decide:

Mortgage lenders are required to assess your ability to repay the amount you want to borrow. A lot of factors go into that assessment, and the main one is debt-to-income ratio.

Your  is the percentage of pretax income that goes toward monthly debt payments, including the mortgage, car payments, student loans, minimum credit card payments and child support. Lenders look most favorably on debt-to-income ratios of 36% or less — or a maximum of $1,800 a month on an income of $5,000 a month before taxes.

» MORE: 

If your mortgage payment included just principal and interest, you could use a bare-bones mortgage calculator. But most mortgage payments include other charges as well. Here are the key components of the monthly mortgage payment:

Typically, when you belong to a homeowners association, the dues are billed directly, and it's not added to the monthly mortgage payment. Because HOA dues can be easy to forget, they're included in NerdWallet's mortgage calculator.

The mortgage calculator lets you test scenarios to see how you can reduce the monthly payments:

Your monthly payment can go up over time if: