Total monthly cost of ownership
Cost to Own a Home in Benson, Utah
A $281,000 home here costs
$2,059per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,445. The real number is $614 higher every month — 43% 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.
Benson against Cache County and Utah
| Measure | Benson | Cache County |
|---|---|---|
| Median home value | $281,400 | $392,800 |
| Median property tax | $1,846 | $1,929 |
| Effective tax rate | 0.656% | 0.491% |
| Median gross rent | $964 | $1,137 |
| Population | 1,864 | 137,031 |
The weather behind that power bill
Benson sits in Cache County, which averages a high of 88.2°F in its hottest month and a low of 17.6°F in its coldest, with 18.97" of precipitation a year and 36% of it in a single three-month stretch. That climate drives 719 cooling and 6,693 heating degree days, which is what sets the $117 electricity line above.
See the full climate breakdown for Cache County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Cache County
Common questions
How much does it cost to own a home in Benson?
A $281,000 home in Benson, Utah costs approximately $2,059 per month with 20% down at 6.66%. That is $1,445 principal and interest, $154 property tax, $42 homeowners insurance, $185 utilities and $234 set aside for maintenance.
What is the property tax rate in Benson?
Benson has an effective property tax rate of 0.656%, based on a median home value of $281,400 and median real estate taxes of $1,846. That is higher than the Cache County average of 0.491%.
What is the average home price in Benson?
The median owner-occupied home value in Benson, Utah is $281,400, against $392,800 across Cache County.
Is it cheaper to rent or buy in Benson?
Median gross rent in Benson is $964 a month, against $2,059 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Benson — 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.