Utah Mortgage Calculator
Estimate your full monthly Utah payment
Utah Mortgage Payment Calculator
Estimate your full monthly payment — principal, interest, taxes, insurance, and HOA — for a Utah home purchase.
Estimated Monthly Payment
| Principal & Interest | $0 |
| Property Tax | $0 |
| Home Insurance | $0 |
| HOA | $0 |
| PMI | $0 |
Estimates only. Actual rates depend on credit score, loan program, and lender. Utah property tax rates vary by county and city — Salt Lake County averages 0.5-0.7%, Davis 0.6-0.8%, Utah County 0.55-0.65%. Confirm with a licensed Utah lender. Kris Bowen Real Estate Group is not a mortgage lender.
How to use this calculator
This Utah-specific mortgage calculator accounts for our state's property tax rates (typically 0.5-0.7% of assessed value annually) and typical home insurance costs. Utah does not have additional mortgage transfer taxes that some states impose, which keeps closing costs lower than the national average.
What this calculator does not include
This estimate covers the four core components of a Utah monthly mortgage payment (PITI) plus HOA and PMI. It does not include one-time costs (closing costs, inspection fees, appraisal), variable utility costs, or future tax reassessments. For an exact pre-approval, work with a Utah-licensed lender.
Need a Utah mortgage lender recommendation?
After 23 years and over 1,400 Utah transactions, we have worked with the full range of Utah mortgage lenders — from big banks to local credit unions to independent brokers. We are happy to introduce you to lenders we trust. Call 801-999-8005.
23 years, 1,000+ Utah closings. Let's put them to work for you.
Work with someone who reads this market full-time and by the numbers. Whether you're buying or selling, you make every move with data on your side — so you never overpay or leave money on the table. Let's make it happen.
