Para Compradores
Datos de referencia rapida sobre precios de casas en Utah, impuestos de propiedad, programas de prestamos y costos de cierre para ayudarle a planificar su compra.
Datos del Mercado
Salt Lake Condado
Salt Lake City, Sandy, Draper, West Jordan
Washington Condado
St. George, Hurricane, Ivins
Davis Condado
Layton, Bountiful, Kaysville
Utah Condado
Provo, Orem, Lehi, Eagle Mountain
Weber Condado
Ogden, Roy, North Ogden
Cache Condado
Logan, North Logan, Smithfield
Iron Condado
Cedar City, Enoch, Parowan
Prices are approximate median values and fluctuate with market conditions. Contactoar a Judy for the latest data in your target area.
Informacion Fiscal
| Condado | Tasa Efectiva | Annual Tax on $400K |
|---|---|---|
| Salt Lake | 0.67% | $2,680 |
| Utah | 0.55% | $2,200 |
| Davis | 0.63% | $2,520 |
| Weber | 0.65% | $2,600 |
| Washington | 0.52% | $2,080 |
| Cache | 0.58% | $2,320 |
| Iron | 0.55% | $2,200 |
Rates reflect primary residential exemption (45% reduction). Actual rates vary by municipality and tax district.
Opciones de Financiamiento
Enganche: 3.5% minimum
Credit Score: 580+ (3.5% down) or 500+ (10% down)
2024 Loan Limit: $498,257 (standard Utah counties), up to $766,550 in high-cost areas
Government-backed loan with flexible requirements. Requires mortgage insurance premium (MIP) for the life of the loan.
Enganche: $0 (zero down)
Credit Score: Typically 620+
PMI: None required
Available to eligible veterans, active duty, and surviving spouses. No down payment, no monthly PMI, and competitive interest rates. One of the best loan programs available.
Enganche: 3% to 20%+
Credit Score: Typically 620+
PMI: Required below 20% down, removable once you reach 20% equity
Not government-backed. Often offers the best rates for borrowers with strong credit. Conforming loan limit: $766,550 (2024).
Compradores Primerizos
Offered by the Utah Housing Corporation, this program provides below-market interest rates and down payment assistance for qualifying first-time buyers. Income and purchase price limits apply. Down payment assistance can be a grant or a second mortgage at 0% interest.
Designed for buyers with lower credit scores (starting at 620), the Score Loan provides competitive rates and up to 4% of the loan amount in down payment assistance. This program helps make homeownership accessible to buyers who may not qualify for conventional financing.
Zero down payment for homes in eligible rural areas. Many Utah communities outside the Wasatch Front qualify, including parts of Iron, Washington, Cache, and other counties. Income limits apply. No PMI, though there is a small annual guarantee fee.
Planificacion del Presupuesto
| Concepto | Rango Tipico |
|---|---|
| Cargo por Originacion del Prestamo | 0.5% - 1% of loan |
| Cargo por Avaluo | $400 - $600 |
| Inspeccion de la Casa | $350 - $500 |
| Seguro de Titulo (Poliza del Prestamista) | $400 - $1,000 |
| Cargo de Deposito / Cierre | $400 - $800 |
| Cargos de Registro | $50 - $150 |
| Impuestos de Propiedad Prepagados | 2 - 6 months |
| Seguro de Propietario Prepagado | 12 months upfront |
| Costos Totales de Cierre (Comprador) | 2% - 5% of purchase price |
On a $400,000 purchase, budget approximately $8,000 - $20,000 in closing costs in addition to your down payment.
De un Vistazo
Tasa Promedio de Impuesto Predial
Tasa efectiva promedio estatal
Exencion de Residencia Principal
Reduce el valor gravable de la propiedad
Dias para Cerrar
Tiempo tipico desde la oferta hasta las llaves
Deposito de Buena Fe
Deposito de buena fe tipico
Dias de Debida Diligencia
Periodo estandar de inspeccion
Limite de Prestamo FHA
2024 standard Utah counties
Key facts for Utah home buyers: median home prices by county, property tax rates, available loan programs, typical closing costs, and down payment requirements. This data is maintained by Judy Beltran, Top 250 Utah Realtor.
This page provides key facts and statistics for Utah home buyers, including median prices, tax rates, loan programs, and closing costs.
Utah’s average effective property tax rate is approximately 0.58%. Primary residences receive a 45% reduction in assessed value.
Conventional (3% down), FHA (3.5% down), VA (0% down for veterans), USDA (0% down in rural areas), and Utah Housing Corporation down payment assistance programs.
2% to 5% of the purchase price. On a $400,000 home, that is $8,000 to $20,000.