Utah County FHA Loan Calculator

Adjust the sliders to model your loan in real time. We have prefilled this page with local benchmark averages for Utah County, Utah based on real HMDA transaction records.

Loan Details

US County (Smart Autofill)

Loan Type

Utah County, UT Benchmarks

FHA averages

Typical Property Value$470,926

Average Down Payment5.7%

Average Interest Rate5.921%

Effective Tax Rate0.43%

Median Tax Paid$2,370/yr

Tax Growth (Historical)+2.9%

Based on 3,321 regional loans totaling $1,448,995,000 (HMDA database).

Home Price

Down Payment

$26,843 down · $444,083 financed

Interest Rate

Loan Term

yrs

Extra Monthly Principal

Paid directly to principal

Mortgage Start Date

Payoff estimated June 2056

Local & Recurring Costs

Property Tax Rate

$169 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$188 / month

Estimated Monthly Payment

$3,193/mo

Principal & Interest$2,686
Property Tax$169
Home Insurance$150
FHA MIP$188

Amortization · Remaining Balance

Financed Loan Amount

$451,855

Total Interest

$515,069

Total of Payments

$966,924

*Includes financed FHA Upfront MIP of $7,771

Local Market Insights

Utah County FHA Mortgage Overview

For Utah County homebuyers using an FHA loan, the 5.67% average down payment provides accessible entry, but the mandatory Mortgage Insurance Premium (MIP) applies for the loan’s life, a key factor when evaluating an FHA loan calculator with PMI and taxes in Utah County, UT. With a 94.33% Loan-to-Value (LTV) ratio and 100% owner-occupancy, this data reflects standard buyers, not investors. The 0.43% effective property tax rate, adjusted upward by 2.9% for inflation, adds modest monthly cost. For accurate budgeting, consider Utah County FHA mortgage calculators with property taxes to capture these impacts on true affordability.

Disclaimer: This calculator provides estimates for educational purposes only and does not constitute a loan offer or financial advice. Actual rates, taxes, insurance, and fees will vary.