Mortgage Rates in Utah — March 2026
Compare current mortgage rates across 15 cities in Utah. The average 30-year fixed rate is 6.68%, which is 0.03% above the national average of 6.65%.
Utah Housing Highlights
All 15 Cities in Utah
| City | 30-Yr Rate | Home Price | Monthly P&I | Population |
|---|---|---|---|---|
| Salt Lake City | 6.68% | $515,000 | $2,653 | 199,723 |
| West Valley City | 6.68% | $415,000 | $2,138 | 140,230 |
| West Jordan | 6.68% | $445,000 | $2,292 | 116,961 |
| Provo | 6.68% | $465,000 | $2,396 | 115,162 |
| Orem | 6.68% | $415,000 | $2,138 | 97,499 |
| Sandy | 6.68% | $485,000 | $2,499 | 96,904 |
| St. George | 6.68% | $495,000 | $2,550 | 95,342 |
| Ogden | 6.68% | $345,000 | $1,777 | 87,321 |
| Layton | 6.68% | $425,000 | $2,189 | 81,952 |
| South Jordan | 6.68% | $545,000 | $2,808 | 77,527 |
| Lehi | 6.68% | $495,000 | $2,550 | 75,907 |
| Logan | 6.68% | $375,000 | $1,932 | 52,778 |
| Draper | 6.68% | $595,000 | $3,065 | 51,017 |
| Murray | 6.68% | $435,000 | $2,241 | 50,637 |
| Bountiful | 6.68% | $465,000 | $2,396 | 44,816 |
Utah Mortgage Rates Guide — 2026
Utah homebuyers currently see an average 30-year fixed mortgage rate of 6.68%, with median home prices around $461,000. At these rates, the typical monthly mortgage payment (principal and interest with 20% down) is $2,375.
The most affordable city for homebuyers in Utah is Ogden, where the median home price is $345,000. On the other end, Draper has the highest prices at $595,000. Property tax rates across the state average 0.58%.
To comfortably afford a home at the state average price, a household income of approximately $101,786 is recommended, following the standard guideline that housing costs should not exceed 28% of gross income.
Use our free loan calculator to see your exact monthly payments and amortization schedule, or browse individual city pages below for localized rate data and market insights.
Frequently Asked Questions — Utah Mortgages
What are current mortgage rates in Utah?
As of March 2026, the average 30-year fixed mortgage rate in Utah is 6.68% and the 15-year fixed rate averages 5.92%. Rates vary by city, lender, and borrower qualification.
What is the average home price in Utah?
The median home price across 15 cities in Utah is $461,000. Prices range from $345,000 in Ogden to $595,000 in Draper.
How much income do I need to buy a house in Utah?
Based on the 28% debt-to-income guideline, you would need a household income of approximately $101,786 to comfortably afford the average home in Utah. The median household income in the state is approximately $69,278.
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