Mortgage Rates in Bountiful, Utah — March 2026
Updated March 2026 | Based on Bountiful market data and regional lending conditions
Bountiful is a growing city in Utah with a population of 44,816. The current 30-year fixed mortgage rate in Bountiful is 6.68%, which is 0.03% above the national average. With a median home price of $465,000 and a 20% down payment of $93,000, homebuyers can expect a monthly principal and interest payment of approximately $2,396.
Current Mortgage Rates in Bountiful, UT
Below are the current average mortgage rates available in the Bountiful area as of March 2026. Rates vary by lender, credit score, and loan-to-value ratio. Use our free calculator above to see your personalized estimate.
| Loan Type | Rate | National Avg | Difference |
|---|---|---|---|
| 30-Year Fixed | 6.68% | 6.65% | +0.03% |
| 15-Year Fixed | 5.92% | 5.89% | +0.03% |
| 5/1 ARM | 6.18% | 6.15% | +0.03% |
| FHA | 6.28% | 6.25% | +0.03% |
| VA | 6.08% | 6.05% | +0.03% |
| Jumbo | 6.88% | 6.85% | +0.03% |
Bountiful Housing Market Overview
The Bountiful housing market reflects moderate demand with prices near the national average. The median household income in Bountiful is $72,250, and the cost of living index is 100.5 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $112,329 to comfortably afford the median-priced home in Bountiful, which exceeds the current median household income.
Monthly Payment Breakdown for Bountiful
Based on the median home price of $465,000 with 20% down ($93,000), here is what you can expect to pay monthly in Bountiful:
15-Year vs. 30-Year Mortgage in Bountiful
Choosing a 15-year mortgage in Bountiful at 5.92% instead of a 30-year at 6.68% would save you $300,420 in total interest over the life of the loan. However, your monthly payment would be $3,123 instead of $2,396 — an increase of $727 per month.
Calculate Your Bountiful Mortgage Payment
Use our free calculator to get a personalized estimate based on your loan amount, interest rate, and term.
Open Free CalculatorFrequently Asked Questions About Mortgages in Bountiful
What are the current mortgage rates in Bountiful, UT?
As of March 2026, the average 30-year fixed mortgage rate in Bountiful, Utah is 6.68%, while the 15-year fixed rate is 5.92%. FHA loans average 6.28% and VA loans 6.08%. These rates are 0.03% above the national average of 6.65%.
How much is a monthly mortgage payment in Bountiful?
Based on the median home price of $465,000 with 20% down, the estimated monthly mortgage payment in Bountiful is $2,396 for principal and interest. Including property taxes of $225/month, the total monthly housing cost is approximately $2,621.
What income do I need to buy a home in Bountiful?
Using the 28% rule, you would need an annual income of approximately $112,329 to afford the median-priced home in Bountiful at $465,000. The median household income in Bountiful is $72,250. This means most households would need to either earn above the median or consider homes below $465,000.
Is Bountiful a good place to buy a home in 2026?
Bountiful has a moderate cost of living with a cost of living index of 100.5 (national average = 100). The property tax rate in Utah is 0.58%, which is below the national average. Bountiful has a population of 44,816 and offers a balanced lifestyle.
Mortgage Rates in Other Utah Cities
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Bountiful, Utah area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.