Utah Mortgage Calculator 2026, UT Property Tax & Rates

Looking at Utah, the average property tax rate is 0.6%. Actual rates vary by county and municipality.

Utah has a state income tax rate of 4.65%. The paycheck calculator breaks down your gross-to-net pay.

The 2026 conforming loan limit for a single-family home in Utah is $806,500. Loans above this amount are considered jumbo loans.

Calculate your Utah mortgage payment with state-specific property tax rates (0.6% average), income tax (4.65%), and 2026 conforming loan limits.

Home price $515,000

Down payment $103,000 · 20%

Loan term years

Interest rate 6.75%

Property tax rate annual %

UT average: 0.6%

Annual property tax $3,090

Home insurance annual

HOA fee monthly

Utah Mortgage Overview

Utah has a flat income tax rate and low property taxes.

Counties with steep home prices may get a $1,209,750 limit.

Utah has a state income tax with rates of 4.65%.

Utah Housing Corporation offers down payment assistance and favorable loan terms for qualifying first-time buyers in Utah.

What is the average property tax rate in Utah?

What is the income tax in Utah?

What are Utah's conforming loan limits for 2026?

Are there first-time homebuyer programs in Utah?

How much do I need for a down payment in Utah?