Total monthly cost of ownership
Cost to Own a Home in Fillmore, Utah
A $275,000 home here costs
$1,976per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,414. The real number is $563 higher every month — 40% 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.
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 $117 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
Common questions
How much does it cost to own a home in Fillmore?
A $275,000 home in Fillmore, Utah costs approximately $1,976 per month with 20% down at 6.66%. That is $1,414 principal and interest, $108 property tax, $41 homeowners insurance, $185 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 $1,976 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 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.