Total monthly cost of ownership
Cost to Own a Home in Castle Dale, Utah
A $175,000 home here costs
$1,363per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $900. The real number is $463 higher every month — 51% 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.
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 $117 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
Common questions
How much does it cost to own a home in Castle Dale?
A $175,000 home in Castle Dale, Utah costs approximately $1,363 per month with 20% down at 6.66%. That is $900 principal and interest, $106 property tax, $26 homeowners insurance, $185 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 $1,363 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 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.