Mortgage Rates in Eagle Mountain, Utah — March 2026
Updated March 2026 | Based on Eagle Mountain market data and regional lending conditions
Eagle Mountain is a growing city in Utah with a population of 43,623. The current 30-year fixed mortgage rate in Eagle Mountain is 6.65%, which is at the national average. With a median home price of $450,000 and a 20% down payment of $90,000, homebuyers can expect a monthly principal and interest payment of approximately $2,311.
Current Mortgage Rates in Eagle Mountain, UT
Below are the current average mortgage rates available in the Eagle Mountain 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 | 6.65% | 6.65% | 0% |
| 15-Year Fixed | 5.91% | 5.89% | +0.02% |
| 5/1 ARM | 6.19% | 6.15% | +0.04% |
| FHA | 6.45% | 6.25% | +0.2% |
| VA | 6.2% | 6.05% | +0.15% |
| Jumbo | 6.9% | 6.85% | +0.05% |
Eagle Mountain Housing Market Overview
The Eagle Mountain housing market reflects moderate demand with prices near the national average. The median household income in Eagle Mountain is $61,900, and the cost of living index is 100.2 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $108,686 to comfortably afford the median-priced home in Eagle Mountain, which exceeds the current median household income.
Monthly Payment Breakdown for Eagle Mountain
Based on the median home price of $450,000 with 20% down ($90,000), here is what you can expect to pay monthly in Eagle Mountain:
15-Year vs. 30-Year Mortgage in Eagle Mountain
Choosing a 15-year mortgage in Eagle Mountain at 5.91% instead of a 30-year at 6.65% would save you $288,360 in total interest over the life of the loan. However, your monthly payment would be $3,020 instead of $2,311 — an increase of $709 per month.
Calculate Your Eagle Mountain 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 Eagle Mountain
What are the current mortgage rates in Eagle Mountain, UT?
As of March 2026, the average 30-year fixed mortgage rate in Eagle Mountain, Utah is 6.65%, while the 15-year fixed rate is 5.91%. FHA loans average 6.45% and VA loans 6.2%. These rates are at the national average of 6.65%.
How much is a monthly mortgage payment in Eagle Mountain?
Based on the median home price of $450,000 with 20% down, the estimated monthly mortgage payment in Eagle Mountain is $2,311 for principal and interest. Including property taxes of $225/month, the total monthly housing cost is approximately $2,536.
What income do I need to buy a home in Eagle Mountain?
Using the 28% rule, you would need an annual income of approximately $108,686 to afford the median-priced home in Eagle Mountain at $450,000. The median household income in Eagle Mountain is $61,900. This means most households would need to either earn above the median or consider homes below $450,000.
Is Eagle Mountain a good place to buy a home in 2026?
Eagle Mountain has a moderate cost of living with a cost of living index of 100.2 (national average = 100). The property tax rate in Utah is 0.6%, which is below the national average. Eagle Mountain has a population of 43,623 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 Eagle Mountain, Utah area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.