Utah Mortgage Calculator
Calculate your monthly payment in Utah, with property tax included using the state's effective rate of 0.52%. See your full amortization schedule and analyze your loan structure.
Pick a state to use its property tax rate. With a keyboard, use the arrow keys and press Enter.
Estimated Monthly Payment
Estimates only. Does not include homeowners insurance, mortgage insurance (PMI), or HOA fees. Property tax uses the state's average effective rate and your actual bill may differ.
Yearly Amortization Schedule
| Year | Principal Paid | Interest Paid | Remaining Balance |
|---|---|---|---|
| 1 | $3,577 | $20,695 | $316,423 |
| 2 | $3,816 | $20,455 | $312,607 |
| 3 | $4,072 | $20,200 | $308,535 |
| 4 | $4,345 | $19,927 | $304,191 |
| 5 | $4,636 | $19,636 | $299,555 |
| 6 | $4,946 | $19,325 | $294,609 |
| 7 | $5,277 | $18,994 | $289,332 |
| 8 | $5,631 | $18,641 | $283,701 |
| 9 | $6,008 | $18,264 | $277,694 |
| 10 | $6,410 | $17,861 | $271,284 |
| 11 | $6,839 | $17,432 | $264,444 |
| 12 | $7,297 | $16,974 | $257,147 |
| 13 | $7,786 | $16,485 | $249,361 |
| 14 | $8,308 | $15,964 | $241,053 |
| 15 | $8,864 | $15,407 | $232,189 |
| 16 | $9,458 | $14,814 | $222,732 |
| 17 | $10,091 | $14,180 | $212,641 |
| 18 | $10,767 | $13,505 | $201,874 |
| 19 | $11,488 | $12,784 | $190,386 |
| 20 | $12,257 | $12,014 | $178,129 |
| 21 | $13,078 | $11,193 | $165,051 |
| 22 | $13,954 | $10,317 | $151,097 |
| 23 | $14,888 | $9,383 | $136,208 |
| 24 | $15,886 | $8,386 | $120,323 |
| 25 | $16,949 | $7,322 | $103,373 |
| 26 | $18,085 | $6,187 | $85,289 |
| 27 | $19,296 | $4,976 | $65,993 |
| 28 | $20,588 | $3,683 | $45,405 |
| 29 | $21,967 | $2,305 | $23,438 |
| 30 | $23,438 | $833 | $0 |
Property tax in Utah: the numbers
Few states tax homes more lightly than Utah does. Its effective property tax rate is 0.52%, 43% lower than the 0.92% national average, and it ranks 41st out of 50 when states are ordered from highest rate to lowest.
Looking at the median home in Utah ($489,400), the median annual property tax is $2,525. Divided by twelve, that is about $210 each month.
| Effective property tax rate | 0.52% |
|---|---|
| Median home value | $489,400 |
| Median annual property tax | $2,525 |
| Rank by rate (1 = highest of 50) | 41 |
| Difference vs 0.92% national average | 0.40 points below (43% below) |
What this means for your monthly payment
Two worked examples for Utah, using the figures above:
Example 1: the median home
$2,525 per year ÷ 12 = about $210 per month in property tax (median home value: $489,400).
Example 2: a $300,000 home
$300,000 × 0.52% ÷ 12 = about $130 per month, or $1,560 per year.
At the 0.92% national average rate, a $300,000 home would have about $2,760 in property tax per year. In Utah it is about $1,560, which is $1,200 less per year (about $100 less per month).
Compare with similar states
States ranked just above and just below Utah by effective property tax rate (1 = highest). States with the same rate are ordered by median annual tax.
Ranked just above (higher rate)
- North Carolina — 0.66% (rank 36)
- Wyoming — 0.57% (rank 37)
- Louisiana — 0.55% (rank 38)
- Arkansas — 0.55% (rank 38)
- West Virginia — 0.53% (rank 40)
Utah property tax FAQ
What is the property tax rate in Utah?
The effective property tax rate in Utah is 0.52%. That is 43% below the 0.92% national average, and the state ranks 41st out of 50 when states are ordered from highest rate to lowest.
How much is property tax on a $300,000 home in Utah?
At Utah's effective rate of 0.52%, property tax on a $300,000 home works out to about $1,560 per year, or about $130 per month. At the 0.92% national average, the same home would be about $2,760 per year, so Utah is about $1,200 less per year.
How much is property tax on the median home in Utah?
The median home value in Utah is $489,400, and the median annual property tax is $2,525, which is about $210 per month.
Does the property tax rate vary inside Utah?
Yes. Property taxes are set locally, so actual bills depend on your county, city, and exemptions. The 0.52% figure is a state-level estimate based on medians, not a rate that applies to every home.
Figures are estimates based on Census data and are not tax or financial advice. Actual bills depend on your local rates, assessed value and exemptions.
Source: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, as compiled by PropertyShark and PropertyTaxByState.