Utah Mortgage Calculator
Calculate your monthly mortgage payment for homes in Utah, factoring in local property taxes, home insurance, and HOA fees.
Why calculating mortgage in Utah is different
Utah has a flat income tax system.
State Income Tax
4.65%
Base Sales Tax
6.1%
State Min Wage
$7.25 / hr
Abbreviation
UT
Utah Mortgage Interactive Tool
This calculator uses the latest 2026 data for Utah, including the minimum wage of $7.25 and the specific state income tax rates (4.65%).
Frequently Asked Questions about Utah Mortgage
How much are typical closing costs in Utah?
Closing costs in Utah typically range from 2% to 5% of the total loan amount. This includes state-specific mortgage recording taxes and title fees.
Should I buy a home in Utah?
Buying a home in Utah requires factoring in the local property tax rates and home insurance costs, which can vary drastically between different counties.