Total monthly cost of ownership
Cost to Own a Home in Fillmore, Utah
A $275,000 home here costs
$2,048per 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 $88,000 a year.
A standard mortgage calculator would have told you $1,499. The real number is $549 higher every month, 37% more than the payment most buyers budget for.
Compare Millard County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Fillmore from a five-year rolling sample, and with about 2,633 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 Millard 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.
Fillmore against Millard County and Utah
| Measure | Fillmore | Millard County |
|---|---|---|
| Median home value | $275,400 | $246,400 |
| Median property tax | $1,294 | $1,319 |
| Effective tax rate | 0.470% | 0.535% |
| Median gross rent | $789 | $897 |
| Population | 2,633 | 13,179 |
The weather behind that power bill
Fillmore sits in Millard County, which averages a high of 95.0°F in its hottest month and a low of 16.8°F in its coldest, with 8.67" of precipitation a year and 31% of it in a single three-month stretch. That climate drives 976 cooling and 5,813 heating degree days, which is what sets the $103 electricity line above.
See the full climate breakdown for Millard County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Millard County
Talk to someone who works this market
These are Fillmore 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 Fillmore every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Fillmore I already own here and may sell
Common questions
How much does it cost to own a home in Fillmore?
A $275,000 home in Fillmore, Utah costs approximately $2,048 per month with 20% down at 7.24%. That is $1,499 principal and interest, $108 property tax, $41 homeowners insurance, $171 utilities and $229 set aside for maintenance.
What is the property tax rate in Fillmore?
Fillmore has an effective property tax rate of 0.470%, based on a median home value of $275,400 and median real estate taxes of $1,294. That is lower than the Millard County average of 0.535%.
What is the average home price in Fillmore?
The median owner-occupied home value in Fillmore, Utah is $275,400, against $246,400 across Millard County.
Is it cheaper to rent or buy in Fillmore?
Median gross rent in Fillmore is $789 a month, against $2,048 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 Fillmore?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Fillmore, Utah at today's rate takes a household income of roughly $88,000 a year. That covers the full $2,048 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Fillmore, 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.