Mortgage Rates in Clinton, Utah — March 2026
Updated March 2026 | Based on Clinton market data and regional lending conditions
Clinton is a growing city in Utah with a population of 22,766. The current 30-year fixed mortgage rate in Clinton is 6.79%, which is 0.14% above the national average. With a median home price of $434,000 and a 20% down payment of $86,800, homebuyers can expect a monthly principal and interest payment of approximately $2,261.
Current Mortgage Rates in Clinton, UT
Below are the current average mortgage rates available in the Clinton 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 | 6.79% | 6.65% | +0.14% |
| 15-Year Fixed | 6.02% | 5.89% | +0.13% |
| 5/1 ARM | 6.28% | 6.15% | +0.13% |
| FHA | 6.52% | 6.25% | +0.27% |
| VA | 6.27% | 6.05% | +0.22% |
| Jumbo | 7.04% | 6.85% | +0.19% |
Clinton Housing Market Overview
The Clinton housing market reflects moderate demand with prices near the national average. The median household income in Clinton is $76,100, and the cost of living index is 103.3 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $106,200 to comfortably afford the median-priced home in Clinton, which exceeds the current median household income.
Monthly Payment Breakdown for Clinton
Based on the median home price of $434,000 with 20% down ($86,800), here is what you can expect to pay monthly in Clinton:
15-Year vs. 30-Year Mortgage in Clinton
Choosing a 15-year mortgage in Clinton at 6.02% instead of a 30-year at 6.79% would save you $285,840 in total interest over the life of the loan. However, your monthly payment would be $2,934 instead of $2,261 — an increase of $673 per month.
Calculate Your Clinton 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 Clinton
What are the current mortgage rates in Clinton, UT?
As of March 2026, the average 30-year fixed mortgage rate in Clinton, Utah is 6.79%, while the 15-year fixed rate is 6.02%. FHA loans average 6.52% and VA loans 6.27%. These rates are 0.14% above the national average of 6.65%.
How much is a monthly mortgage payment in Clinton?
Based on the median home price of $434,000 with 20% down, the estimated monthly mortgage payment in Clinton is $2,261 for principal and interest. Including property taxes of $217/month, the total monthly housing cost is approximately $2,478.
What income do I need to buy a home in Clinton?
Using the 28% rule, you would need an annual income of approximately $106,200 to afford the median-priced home in Clinton at $434,000. The median household income in Clinton is $76,100. This means most households would need to either earn above the median or consider homes below $434,000.
Is Clinton a good place to buy a home in 2026?
Clinton has a moderate cost of living with a cost of living index of 103.3 (national average = 100). The property tax rate in Utah is 0.6%, which is below the national average. Clinton has a population of 22,766 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 Clinton, Utah area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.