Total monthly cost of ownership
Cost to Own a Home in Moab, Utah
A $479,000 home here costs
$3,283per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $2,463. The real number is $820 higher every month — 33% 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.
Moab against Grand County and Utah
| Measure | Moab | Grand County |
|---|---|---|
| Median home value | $478,700 | $480,900 |
| Median property tax | $1,970 | $2,012 |
| Effective tax rate | 0.412% | 0.418% |
| Median gross rent | $945 | $1,021 |
| Population | 5,316 | 9,697 |
The weather behind that power bill
Moab sits in Grand County, which averages a high of 96.1°F in its hottest month and a low of 16.7°F in its coldest, with 6.66" of precipitation a year and 35% of it in a single three-month stretch. That climate drives 1,415 cooling and 5,376 heating degree days, which is what sets the $117 electricity line above.
See the full climate breakdown for Grand County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Grand County
No other places of this size are published in Grand County.
Common questions
How much does it cost to own a home in Moab?
A $479,000 home in Moab, Utah costs approximately $3,283 per month with 20% down at 6.66%. That is $2,463 principal and interest, $164 property tax, $72 homeowners insurance, $185 utilities and $399 set aside for maintenance.
What is the property tax rate in Moab?
Moab has an effective property tax rate of 0.412%, based on a median home value of $478,700 and median real estate taxes of $1,970. That is in line with the Grand County average of 0.418%.
What is the average home price in Moab?
The median owner-occupied home value in Moab, Utah is $478,700, against $480,900 across Grand County.
Is it cheaper to rent or buy in Moab?
Median gross rent in Moab is $945 a month, against $3,283 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 Moab — 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.