Mortgage Rates in Utah — June 2026
Compare mortgage rate benchmarks across 54 cities in Utah. Amortio's estimated state average for a 30-year fixed loan is 6.73%, which is 0.25% above the Freddie Mac national benchmark of 6.48% from June 4, 2026. These figures are informational estimates, not lender quotes or APR offers.
What is the current Utah mortgage-rate benchmark?
Amortio's Utah state table shows an estimated 6.73% 30-year benchmark across 54 cities, versus Freddie Mac's 6.48% national 30-year PMMS benchmark from June 4, 2026. Use it to compare city payments, then request same-day lender Loan Estimates for APR, points, fees, lock period, and cash-to-close.
How to Read Utah Mortgage Rates
Utah is not one uniform mortgage market. The rate table below covers 54 cities, but the real payment difference comes from home price, income, property taxes, loan size, and whether a borrower fits conventional, FHA, VA, or jumbo pricing. Use this page to compare cities first, then use lender quotes for final APR and fee decisions.
- At the state-average payment of $2,385 per month and median income of $69,331, Utah looks stretched relative to the standard 28% housing-cost guideline.
- The observed city-level 30-year benchmark spread is 0.86 percentage points, from 6.04% to 6.9%. Even small rate differences matter more in expensive cities because they apply to larger loan balances.
- Average property-tax pressure is relatively low, so purchase price and rate lock timing usually drive more of the monthly-payment difference.
- For buyers comparing down payment choices, pair this state page with the PMI calculator, affordability calculator, and closing cost estimator before assuming the lowest advertised rate creates the lowest total cost.
Payment-Efficient Utah Cities
| City | P&I / Income | Monthly P&I | Median Income | 30-Year Rate |
|---|---|---|---|---|
| Roosevelt | 29.1% | $2,156 | $89,000 | 6.88% |
| Stansbury Park | 31.4% | $2,093 | $80,000 | 6.83% |
| Woods Cross | 32.8% | $2,032 | $74,300 | 6.89% |
| South Jordan | 33% | $2,808 | $102,250 | 6.68% |
| Lehi | 33.2% | $2,550 | $92,250 | 6.68% |
Highest-Priced Utah Markets to Stress-Test
Utah Mortgage Quote Comparison Worksheet
Use this checklist before choosing between lender quotes, state assistance, builder credits, or a temporary buydown. It is built to catch the costs that do not show up in a simple rate table.
| Line Item | What to Compare |
|---|---|
| Rate vs APR | APR exposes points, lender fees, and credits that can hide inside a lower advertised rate. |
| Cash to close | Compare down payment, closing costs, prepaid taxes, insurance escrow, and any assistance or seller credit. |
| Payment after escrow | Utah buyers should compare principal, interest, property tax, insurance, HOA or condo dues, and mortgage insurance together. |
| Assistance terms | Down payment assistance can be a grant, forgivable second, deferred second, or repayable loan; the repayment rule changes the real cost. |
| Rate lock and buydown | Temporary buydowns and lender credits can improve the first-year payment while leaving a higher long-run payment. |
A strong Utah mortgage comparison should include at least two lender Loan Estimates plus one program or assistance check where available. Pair this worksheet with the affordability calculator, PMI calculator, and closing cost estimator.
Utah Housing Highlights
All 54 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 |
| Millcreek | 6.69% | $463,000 | $2,388 | 60,750 |
| Taylorsville | 6.65% | $542,000 | $2,784 | 60,448 |
| Herriman | 6.88% | $492,000 | $2,587 | 55,144 |
| 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 |
| Riverton | 6.74% | $442,000 | $2,291 | 45,285 |
| Bountiful | 6.68% | $465,000 | $2,396 | 44,816 |
| Eagle Mountain | 6.65% | $450,000 | $2,311 | 43,623 |
| Spanish Fork | 6.71% | $480,000 | $2,480 | 42,602 |
| Smithfield | 6.62% | $475,000 | $2,432 | 42,113 |
| Roy | 6.85% | $509,000 | $2,668 | 39,855 |
| Pleasant Grove | 6.76% | $449,000 | $2,332 | 38,935 |
| Saratoga Springs | 6.65% | $493,000 | $2,532 | 37,696 |
| Springville | 6.51% | $425,000 | $2,152 | 36,147 |
| Kearns | 6.89% | $495,000 | $2,605 | 36,064 |
| Cedar City | 6.52% | $345,000 | $1,749 | 35,840 |
| Tooele | 6.63% | $385,000 | $1,973 | 35,742 |
| Midvale | 6.73% | $510,000 | $2,641 | 35,000 |
| Cottonwood Heights | 6.63% | $473,000 | $2,424 | 34,215 |
| American Fork | 6.87% | $456,000 | $2,395 | 33,337 |
| Kaysville | 6.04% | $465,000 | $2,240 | 32,867 |
| Clearfield | 6.77% | $513,000 | $2,667 | 32,239 |
| Syracuse | 6.64% | $422,000 | $2,165 | 30,871 |
| Holladay | 6.81% | $446,000 | $2,328 | 30,864 |
| Magna | 6.88% | $514,000 | $2,703 | 29,834 |
| Washington | 6.78% | $496,000 | $2,582 | 28,591 |
| Farmington | 6.88% | $475,000 | $2,498 | 24,493 |
| Hurricane | 6.8% | $475,000 | $2,477 | 23,451 |
| 14 more Utah city mortgage-rate pages are available as individual pages and in the XML sitemap. | ||||
Utah Mortgage Rates Guide — 2026
Utah homebuyers can use an estimated 30-year fixed benchmark of 6.73%, with median home prices around $460,630. At these rates, the typical monthly mortgage payment (principal and interest with 20% down) is $2,385.
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 0.59%.
To comfortably afford a home at the state average price, a household income of approximately $102,214 is recommended, following the standard guideline that housing costs should not exceed 28% of gross income.
Use our free loan calculator to see your estimated monthly payments and amortization schedule, or browse individual city pages below for localized rate data and market insights.
Methodology & Mortgage Rate Data Sources
How we calculate Utah mortgage rates: Our rate estimates start with weekly mortgage-rate benchmarks and then compare city-level housing assumptions. They are designed for planning and comparison, not as a guarantee of lender pricing.
- Benchmark mortgage rates from Freddie Mac Primary Mortgage Market Survey (PMMS) — the most-cited weekly survey of 30-year and 15-year fixed conforming rates.
- Federal Reserve rate policy tracked via FRED — Federal Reserve Economic Data — the St. Louis Fed's authoritative database of interest rate series.
- Conforming loan limits set annually by the FHFA Conforming Loan Limit announcements (Utah 2026: $832,750 baseline, with higher one-unit limits in high-cost counties).
- State lending regulation context from HUD State Information pages covering FHA, down payment assistance, and housing finance agency programs in Utah.
- Mortgage market trends tracked via Mortgage Bankers Association (MBA) Weekly Applications Survey — the industry benchmark for mortgage demand and rate sensitivity.
Authoritative mortgage rate data sources:
- Freddie Mac PMMS — weekly 30yr and 15yr fixed rate benchmark
- FRED — Federal Reserve Economic Data — interest rate and housing series
- FHFA — Federal Housing Finance Agency — conforming loan limits and HPI
- HUD — Housing and Urban Development — FHA programs and state assistance
- CFPB Mortgage Rate Checker — personalized rate comparison tool
- VA Home Loan Program — zero down payment loan for eligible veterans
Rate Disclaimer: Rates shown are estimates based on current market surveys and may not reflect actual lender quotes. Your rate depends on credit score, loan-to-value ratio, down payment, property type, and lender. Always obtain personalized rate quotes from multiple lenders. Rates change daily.
Reviewed by Brazora Monk · Last updated May 2026 · Freddie Mac PMMS data current as of June 4, 2026
Frequently Asked Questions — Utah Mortgages
What are current mortgage rates in Utah?
As of June 4, 2026, Freddie Mac's national benchmark was 6.48% for the 30-year fixed and 5.79% for the 15-year fixed. Amortio's Utah city comparison shows an estimated 30-year benchmark average of 6.73% and 15-year average of 5.96%. Rates vary by city, lender, lock date, fees, and borrower qualification.
What is the average home price in Utah?
The median home price across 54 cities in Utah is $460,630. 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 $102,214 to comfortably afford the average home in Utah. The median household income in the state is approximately $69,331.
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