Mortgage Rates in West Jordan, Utah — March 2026
Updated March 2026 | Based on West Jordan market data and regional lending conditions
West Jordan is a growing city in Utah with a population of 116,961. The current 30-year fixed mortgage rate in West Jordan is 6.68%, which is 0.03% above the national average. With a median home price of $445,000 and a 20% down payment of $89,000, homebuyers can expect a monthly principal and interest payment of approximately $2,292.
Current Mortgage Rates in West Jordan, UT
Below are the current average mortgage rates available in the West Jordan 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 | 6.68% | 6.65% | +0.03% |
| 15-Year Fixed | 5.92% | 5.89% | +0.03% |
| 5/1 ARM | 6.18% | 6.15% | +0.03% |
| FHA | 6.28% | 6.25% | +0.03% |
| VA | 6.08% | 6.05% | +0.03% |
| Jumbo | 6.88% | 6.85% | +0.03% |
West Jordan Housing Market Overview
The West Jordan housing market reflects moderate demand with prices near the national average. The median household income in West Jordan is $72,250, and the cost of living index is 99.5 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $107,443 to comfortably afford the median-priced home in West Jordan, which exceeds the current median household income.
Monthly Payment Breakdown for West Jordan
Based on the median home price of $445,000 with 20% down ($89,000), here is what you can expect to pay monthly in West Jordan:
15-Year vs. 30-Year Mortgage in West Jordan
Choosing a 15-year mortgage in West Jordan at 5.92% instead of a 30-year at 6.68% would save you $287,100 in total interest over the life of the loan. However, your monthly payment would be $2,989 instead of $2,292 — an increase of $697 per month.
Calculate Your West Jordan 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 West Jordan
What are the current mortgage rates in West Jordan, UT?
As of March 2026, the average 30-year fixed mortgage rate in West Jordan, Utah is 6.68%, while the 15-year fixed rate is 5.92%. FHA loans average 6.28% and VA loans 6.08%. These rates are 0.03% above the national average of 6.65%.
How much is a monthly mortgage payment in West Jordan?
Based on the median home price of $445,000 with 20% down, the estimated monthly mortgage payment in West Jordan is $2,292 for principal and interest. Including property taxes of $215/month, the total monthly housing cost is approximately $2,507.
What income do I need to buy a home in West Jordan?
Using the 28% rule, you would need an annual income of approximately $107,443 to afford the median-priced home in West Jordan at $445,000. The median household income in West Jordan is $72,250. This means most households would need to either earn above the median or consider homes below $445,000.
Is West Jordan a good place to buy a home in 2026?
West Jordan offers a below-average cost of living with a cost of living index of 99.5 (national average = 100). The property tax rate in Utah is 0.58%, which is below the national average. West Jordan has a population of 116,961 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 West Jordan, Utah area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.