Total monthly cost of ownership
Cost to Own a Home in Castle Dale, Utah
A $175,000 home here costs
$1,404per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $60,000 a year.
A standard mortgage calculator would have told you $954. The real number is $449 higher every month, 47% more than the payment most buyers budget for.
Compare Emery County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Castle Dale from a five-year rolling sample, and with about 1,463 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 Emery 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.
Castle Dale against Emery County and Utah
| Measure | Castle Dale | Emery County |
|---|---|---|
| Median home value | $174,700 | $197,100 |
| Median property tax | $1,273 | $1,151 |
| Effective tax rate | 0.729% | 0.584% |
| Median gross rent | $719 | $696 |
| Population | 1,463 | 9,968 |
The weather behind that power bill
Castle Dale sits in Emery County, which averages a high of 90.2°F in its hottest month and a low of 15.7°F in its coldest, with 8.4" of precipitation a year and 35% of it in a single three-month stretch. That climate drives 744 cooling and 6,380 heating degree days, which is what sets the $103 electricity line above.
See the full climate breakdown for Emery County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Emery County
Talk to someone who works this market
These are Castle Dale 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 Castle Dale every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Castle Dale I already own here and may sell
Common questions
How much does it cost to own a home in Castle Dale?
A $175,000 home in Castle Dale, Utah costs approximately $1,404 per month with 20% down at 7.24%. That is $954 principal and interest, $106 property tax, $26 homeowners insurance, $171 utilities and $146 set aside for maintenance.
What is the property tax rate in Castle Dale?
Castle Dale has an effective property tax rate of 0.729%, based on a median home value of $174,700 and median real estate taxes of $1,273. That is higher than the Emery County average of 0.584%.
What is the average home price in Castle Dale?
The median owner-occupied home value in Castle Dale, Utah is $174,700, against $197,100 across Emery County.
Is it cheaper to rent or buy in Castle Dale?
Median gross rent in Castle Dale is $719 a month, against $1,404 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Castle Dale?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Castle Dale, Utah at today's rate takes a household income of roughly $60,000 a year. That covers the full $1,404 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Castle Dale, 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.