Total monthly cost of ownership
Cost to Own a Home in Apple Valley, Utah
A $498,000 home here costs
$3,556per month, all in, with 20% down at today's 7.32% 30-year fixed rate. By the 28% rule that takes a household income of about $152,500 a year.
A standard mortgage calculator would have told you $2,737. The real number is $819 higher every month, 30% more than the payment most buyers budget for.
Compare Washington County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Apple Valley from a five-year rolling sample, and with about 1,399 residents that sample is small. The median home value here carries a much wider margin of error than a big-city figure does, so treat it as indicative rather than exact. The Washington County figures are drawn from a far larger sample if you want a steadier number.
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 $103 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
Talk to someone who works this market
These are Apple Valley averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works Apple Valley every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Apple Valley I already own here and may sell
Common questions
How much does it cost to own a home in Apple Valley?
A $498,000 home in Apple Valley, Utah costs approximately $3,556 per month with 20% down at 7.32%. That is $2,737 principal and interest, $158 property tax, $75 homeowners insurance, $171 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.
What salary do you need to buy a home in Apple Valley?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Apple Valley, Utah at today's rate takes a household income of roughly $152,500 a year. That covers the full $3,556 monthly cost, not just the mortgage payment.
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.