TrueAffordHome Affordability by State
What can you afford in Utah?
A baseline estimate for a household earning $90,000 a year gross, with typical debts and expenses, a $30,000 down payment, and a 740-759 credit score — using Utah's own property tax and insurance data rather than a national average. Every assumption is editable in the full calculator below.
Utah's effective property tax rate is around 0.48% of home value per year — the 4th lowest in the country. Average homeowner's insurance runs near $1,548/year on a $300,000 home — the 15th lowest.
Comfortable
$266,578
Stretch
$332,009
Risky ceiling
$374,020
A lender would likely approve up to $374,020 on this baseline in Utah — but this household's own budget, once real expenses are counted, can only sustain $332,009. That $42,011 gap is exactly the kind of overreach this calculator exists to flag before it becomes a monthly deficit.
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