Mortgage Rates in Kaysville, Utah — March 2026
Updated March 2026 | Based on Kaysville market data and regional lending conditions
Kaysville is a growing city in Utah with a population of 32,867. The current 30-year fixed mortgage rate in Kaysville is 6.04%, which is 0.61% below 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 $2,240.
Current Mortgage Rates in Kaysville, UT
Below are the current average mortgage rates available in the Kaysville 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 | 6.04% | 6.65% | -0.61% |
| 15-Year Fixed | 5.28% | 5.89% | -0.61% |
| 5/1 ARM | 5.54% | 6.15% | -0.61% |
| FHA | 5.64% | 6.25% | -0.61% |
| VA | 5.44% | 6.05% | -0.61% |
| Jumbo | 6.24% | 6.85% | -0.61% |
Kaysville Housing Market Overview
The Kaysville housing market reflects moderate demand with prices near the national average. The median household income in Kaysville is $75,000, and the cost of living index is 100 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $106,114 to comfortably afford the median-priced home in Kaysville, which exceeds the current median household income.
Monthly Payment Breakdown for Kaysville
Based on the median home price of $465,000 with 20% down ($93,000), here is what you can expect to pay monthly in Kaysville:
15-Year vs. 30-Year Mortgage in Kaysville
Choosing a 15-year mortgage in Kaysville at 5.28% instead of a 30-year at 6.04% would save you $267,120 in total interest over the life of the loan. However, your monthly payment would be $2,996 instead of $2,240 — an increase of $756 per month.
Calculate Your Kaysville 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 Kaysville
What are the current mortgage rates in Kaysville, UT?
As of March 2026, the average 30-year fixed mortgage rate in Kaysville, Utah is 6.04%, while the 15-year fixed rate is 5.28%. FHA loans average 5.64% and VA loans 5.44%. These rates are 0.61% below the national average of 6.65%.
How much is a monthly mortgage payment in Kaysville?
Based on the median home price of $465,000 with 20% down, the estimated monthly mortgage payment in Kaysville is $2,240 for principal and interest. Including property taxes of $236/month, the total monthly housing cost is approximately $2,476.
What income do I need to buy a home in Kaysville?
Using the 28% rule, you would need an annual income of approximately $106,114 to afford the median-priced home in Kaysville at $465,000. The median household income in Kaysville is $75,000. This means most households would need to either earn above the median or consider homes below $465,000.
Is Kaysville a good place to buy a home in 2026?
Kaysville offers a below-average cost of living with a cost of living index of 100 (national average = 100). The property tax rate in Utah is 0.61%, which is below the national average. Kaysville has a population of 32,867 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 Kaysville, Utah area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.