Mortgage Rates in Holladay, Utah — March 2026
Updated March 2026 | Based on Holladay market data and regional lending conditions
Holladay is a growing city in Utah with a population of 30,864. The current 30-year fixed mortgage rate in Holladay is 6.81%, which is 0.16% above the national average. With a median home price of $446,000 and a 20% down payment of $89,200, homebuyers can expect a monthly principal and interest payment of approximately $2,328.
Current Mortgage Rates in Holladay, UT
Below are the current average mortgage rates available in the Holladay 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 | 6.81% | 6.65% | +0.16% |
| 15-Year Fixed | 6.04% | 5.89% | +0.15% |
| 5/1 ARM | 6.29% | 6.15% | +0.14% |
| FHA | 6.53% | 6.25% | +0.28% |
| VA | 6.28% | 6.05% | +0.23% |
| Jumbo | 7.06% | 6.85% | +0.21% |
Holladay Housing Market Overview
The Holladay housing market reflects moderate demand with prices near the national average. The median household income in Holladay is $61,900, and the cost of living index is 97.3 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $109,157 to comfortably afford the median-priced home in Holladay, which exceeds the current median household income.
Monthly Payment Breakdown for Holladay
Based on the median home price of $446,000 with 20% down ($89,200), here is what you can expect to pay monthly in Holladay:
15-Year vs. 30-Year Mortgage in Holladay
Choosing a 15-year mortgage in Holladay at 6.04% instead of a 30-year at 6.81% would save you $294,660 in total interest over the life of the loan. However, your monthly payment would be $3,019 instead of $2,328 — an increase of $691 per month.
Calculate Your Holladay 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 Holladay
What are the current mortgage rates in Holladay, UT?
As of March 2026, the average 30-year fixed mortgage rate in Holladay, Utah is 6.81%, while the 15-year fixed rate is 6.04%. FHA loans average 6.53% and VA loans 6.28%. These rates are 0.16% above the national average of 6.65%.
How much is a monthly mortgage payment in Holladay?
Based on the median home price of $446,000 with 20% down, the estimated monthly mortgage payment in Holladay is $2,328 for principal and interest. Including property taxes of $219/month, the total monthly housing cost is approximately $2,547.
What income do I need to buy a home in Holladay?
Using the 28% rule, you would need an annual income of approximately $109,157 to afford the median-priced home in Holladay at $446,000. The median household income in Holladay is $61,900. This means most households would need to either earn above the median or consider homes below $446,000.
Is Holladay a good place to buy a home in 2026?
Holladay offers a below-average cost of living with a cost of living index of 97.3 (national average = 100). The property tax rate in Utah is 0.59%, which is below the national average. Holladay has a population of 30,864 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 Holladay, Utah area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.