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Utah Mortgage Calculator

The complete Utah payment — principal, interest, Utah property taxes, and insurance. Free, no sign-up.

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0.5%typical Utah property tax rate — well below the national median of 0.85%
$1,300/yrtypical Utah homeowners insurance — well below the national median of $2,100/yr
$167/moproperty tax alone on a $400,000 Utah home at the typical rate
$2,790/moexample full PITI on a $400,000 home, 10% down, 6.75% 30-yr, typical Utah tax & insurance

What a mortgage really costs in Utah

Most calculators show principal and interest and stop there. In Utah, that leaves out roughly $275 a month in property taxes and insurance on a typical $400,000 home — the difference between the payment you planned for and the one you'll actually make. This calculator shows the full PITI: Principal, Interest, Taxes, and Insurance, with Utah's typical rates loaded automatically.

Better than typical: your exact house

Statewide averages are a starting point — Utah counties and towns vary. Enter a property address in the calculator and it pulls that home's actual county tax record, so you're budgeting on the real number, not an estimate. You can also compare up to three Utah homes side by side, complete with each one's taxes, insurance, and HOA.

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