Total monthly cost of ownership
Cost to Own a Home in Mona, Utah
A $419,000 home here costs
$2,913per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $2,154. The real number is $759 higher every month — 35% 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.
Mona against Juab County and Utah
| Measure | Mona | Juab County |
|---|---|---|
| Median home value | $418,900 | $369,800 |
| Median property tax | $1,942 | $1,708 |
| Effective tax rate | 0.464% | 0.462% |
| Median gross rent | — | $917 |
| Population | 1,647 | 12,273 |
The weather behind that power bill
Mona sits in Juab County, which averages a high of 95.1°F in its hottest month and a low of 14.8°F in its coldest, with 8.01" of precipitation a year and 33% of it in a single three-month stretch. That climate drives 882 cooling and 6,094 heating degree days, which is what sets the $117 electricity line above.
See the full climate breakdown for Juab County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Juab County
Common questions
How much does it cost to own a home in Mona?
A $419,000 home in Mona, Utah costs approximately $2,913 per month with 20% down at 6.66%. That is $2,154 principal and interest, $162 property tax, $63 homeowners insurance, $185 utilities and $349 set aside for maintenance.
What is the property tax rate in Mona?
Mona has an effective property tax rate of 0.464%, based on a median home value of $418,900 and median real estate taxes of $1,942. That is in line with the Juab County average of 0.462%.
What is the average home price in Mona?
The median owner-occupied home value in Mona, Utah is $418,900, against $369,800 across Juab County.
Is it cheaper to rent or buy in Mona?
Rent data is not published for Mona at this level of detail.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Mona — 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.