Mortgage Rates in Riverton, Utah — March 2026
Updated March 2026 | Based on Riverton market data and regional lending conditions
Riverton is a growing city in Utah with a population of 45,285. The current 30-year fixed mortgage rate in Riverton is 6.74%, which is 0.09% above the national average. With a median home price of $442,000 and a 20% down payment of $88,400, homebuyers can expect a monthly principal and interest payment of approximately $2,291.
Current Mortgage Rates in Riverton, UT
Below are the current average mortgage rates available in the Riverton 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 | 6.74% | 6.65% | +0.09% |
| 15-Year Fixed | 5.98% | 5.89% | +0.09% |
| 5/1 ARM | 6.24% | 6.15% | +0.09% |
| FHA | 6.49% | 6.25% | +0.24% |
| VA | 6.24% | 6.05% | +0.19% |
| Jumbo | 6.99% | 6.85% | +0.14% |
Riverton Housing Market Overview
The Riverton housing market reflects moderate demand with prices near the national average. The median household income in Riverton is $78,200, and the cost of living index is 99.1 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $106,886 to comfortably afford the median-priced home in Riverton, which exceeds the current median household income.
Monthly Payment Breakdown for Riverton
Based on the median home price of $442,000 with 20% down ($88,400), here is what you can expect to pay monthly in Riverton:
15-Year vs. 30-Year Mortgage in Riverton
Choosing a 15-year mortgage in Riverton at 5.98% instead of a 30-year at 6.74% would save you $288,360 in total interest over the life of the loan. However, your monthly payment would be $2,980 instead of $2,291 — an increase of $689 per month.
Calculate Your Riverton 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 Riverton
What are the current mortgage rates in Riverton, UT?
As of March 2026, the average 30-year fixed mortgage rate in Riverton, Utah is 6.74%, while the 15-year fixed rate is 5.98%. FHA loans average 6.49% and VA loans 6.24%. These rates are 0.09% above the national average of 6.65%.
How much is a monthly mortgage payment in Riverton?
Based on the median home price of $442,000 with 20% down, the estimated monthly mortgage payment in Riverton is $2,291 for principal and interest. Including property taxes of $203/month, the total monthly housing cost is approximately $2,494.
What income do I need to buy a home in Riverton?
Using the 28% rule, you would need an annual income of approximately $106,886 to afford the median-priced home in Riverton at $442,000. The median household income in Riverton is $78,200. This means most households would need to either earn above the median or consider homes below $442,000.
Is Riverton a good place to buy a home in 2026?
Riverton offers a below-average cost of living with a cost of living index of 99.1 (national average = 100). The property tax rate in Utah is 0.55%, which is below the national average. Riverton has a population of 45,285 and offers a balanced lifestyle.
Mortgage Rates in Other Utah Cities
Related Tools & Guides
Last updated: March 2026. Rates are approximate averages based on regional lending data for the Riverton, Utah area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.