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Mortgage Rates in Utah

January 16, 2021

The Ascent is reader-supported: we may earn a commission from offers on this page. It’s how we make money. But our editorial integrity ensures our experts’ opinions aren’t influenced by compensation.

Mortgage lenders offer varying interest rates and have differing requirements to qualify for a loan. New buyers should shop around for the best mortgage rates in Utah, since small differences in interest rates make a big long-term impact.

Start by comparing today's mortgage rates in Utah below.

Current Mortgage and Refinance Rates in Utah

Rates As of Jan 15, 2021
Product Interest Rate Average Points/Credits
Fixed 30 Year 2.856% 0.342
Fixed 15 Year 2.250% 0.400
Fixed 30 Year - FHA 2.761% 0.234
Fixed 30 Year - VA 2.543% 0.471
Fixed 30 Year - Jumbo 3.014% 0.631
Fixed 30 Year 2.906% 0.380
Fixed 20 Year 2.694% 0.424
Fixed 15 Year 2.332% 0.298
Fixed 30 Year - FHA 2.644% 0.305
Fixed 30 Year - VA 2.545% 0.391
Fixed 30 Year - Jumbo 3.167% 0.051
The Ascent's Mortgage Rates Tracking Methodology

5 affordable places to live in Utah

If cost is a big concern when buying your home, consider starting your search in one of these five areas in Utah recognized for having a low cost of living.

1. Brigham City

Brigham City is ranked by Niche as one of the best places to buy a home in Utah, as well as one of the areas with the most affordable cost of living. It also offers ample recreational activities at spots including Sardine Canyon, Willard Bay State Park, and Bear River Migratory Bird Refuge. Median home prices of $170,300 are below the national average of $184,700, and 67% of town residents own their homes. Property taxes in Box Elder County are relatively affordable, averaging 0.59% of a property's assessed fair market value, according to Tax Rates.org.

2. Vernal

Vernal has a population of around 10,600, and most -- 57% -- own their homes. Vernal's median home value comes in at $163,500. The town is in the top 50 most-diverse places in the state, and ranks 63rd for young professionals out of 153 ranked locations. Property taxes in Uintah County average 0.51% of a property's assessed value.

3. Roy

Roy is a suburb of Salt Lake City. It's one of the best places for young professionals, and ranks highly for its diversity as well. This affordable town has a population of just over 38,000, and 83% of residents own their homes. The median value is just below the national average at $173,900, and property taxes in Weber County average 0.77% of a property's assessed fair market value.

4. South Ogden

South Ogden is another suburb of Salt Lake City, and ranks 20th among best Utah suburbs in which to purchase a home and in the top 15 places to retire. Local attractions include South Ogden Nature Park, Mount Ogden, and Waterfall Canyon Trail. The median home value is a bit higher here at $193,000. South Ogden is in Weber County, where property taxes average .77% of assessed fair market value.

5. Ogden

Ogden is home to more than 86,000 Utahns, and has been recognized for its diversity and affordability. It's also among the top places for young professionals. Ogden has a median home value of $152,100, and 56% of residents own their homes. Ogden is he third town on our list in Weber County, where property taxes average 0.77% of assessed fair market value.

These are just some of many places in Utah where you may want to look for your new home. If you buy in a place with a low cost of living and shop carefully for the best mortgage rates in Utah, you may be able to purchase a home well within your budget. Check out our mortgage calculator to help you estimate your monthly payment, including principal, interest, insurance, taxes, and PMI.

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