Total monthly cost of ownership
Cost to Own a Home in Apple Valley, Utah
A $498,000 home here costs
$3,393per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $2,560. The real number is $832 higher every month — 33% more than the payment most buyers budget for.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Apple Valley against Washington County and Utah
| Measure | Apple Valley | Washington County |
|---|---|---|
| Median home value | $498,400 | $465,600 |
| Median property tax | $1,900 | $2,076 |
| Effective tax rate | 0.381% | 0.446% |
| Median gross rent | — | $1,464 |
| Population | 1,399 | 189,827 |
The weather behind that power bill
Apple Valley sits in Washington County, which averages a high of 92.1°F in its hottest month and a low of 27.6°F in its coldest, with 14.23" of precipitation a year and 37% of it in a single three-month stretch. That climate drives 1,211 cooling and 4,258 heating degree days, which is what sets the $117 electricity line above.
See the full climate breakdown for Washington County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Washington County
Full Washington County cost breakdown · Every county in Utah
Common questions
How much does it cost to own a home in Apple Valley?
A $498,000 home in Apple Valley, Utah costs approximately $3,393 per month with 20% down at 6.66%. That is $2,560 principal and interest, $158 property tax, $75 homeowners insurance, $185 utilities and $415 set aside for maintenance.
What is the property tax rate in Apple Valley?
Apple Valley has an effective property tax rate of 0.381%, based on a median home value of $498,400 and median real estate taxes of $1,900. That is lower than the Washington County average of 0.446%.
What is the average home price in Apple Valley?
The median owner-occupied home value in Apple Valley, Utah is $498,400, against $465,600 across Washington County.
Is it cheaper to rent or buy in Apple Valley?
Rent data is not published for Apple Valley at this level of detail.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Apple Valley — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for Utah.
- Electricity price — EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate — Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.