Total monthly cost of ownership
Cost to Own a Home in Moroni, Utah
A $254,000 home here costs
$1,904per 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 $81,500 a year.
A standard mortgage calculator would have told you $1,385. The real number is $519 higher every month, 37% more than the payment most buyers budget for.
Compare Sanpete County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Moroni from a five-year rolling sample, and with about 1,238 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 Sanpete 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.
Moroni against Sanpete County and Utah
| Measure | Moroni | Sanpete County |
|---|---|---|
| Median home value | $254,300 | $300,400 |
| Median property tax | $1,177 | $1,536 |
| Effective tax rate | 0.463% | 0.511% |
| Median gross rent | $862 | $911 |
| Population | 1,238 | 29,209 |
The weather behind that power bill
Moroni sits in Sanpete County, which averages a high of 91.2°F in its hottest month and a low of 10.8°F in its coldest, with 11.69" of precipitation a year and 29% of it in a single three-month stretch. That climate drives 441 cooling and 6,993 heating degree days, which is what sets the $103 electricity line above.
See the full climate breakdown for Sanpete County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Sanpete County
Talk to someone who works this market
These are Moroni 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 Moroni every week. Free, no obligation, and we never sell your details to a list.
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Common questions
How much does it cost to own a home in Moroni?
A $254,000 home in Moroni, Utah costs approximately $1,904 per month with 20% down at 7.24%. That is $1,385 principal and interest, $98 property tax, $38 homeowners insurance, $171 utilities and $212 set aside for maintenance.
What is the property tax rate in Moroni?
Moroni has an effective property tax rate of 0.463%, based on a median home value of $254,300 and median real estate taxes of $1,177. That is lower than the Sanpete County average of 0.511%.
What is the average home price in Moroni?
The median owner-occupied home value in Moroni, Utah is $254,300, against $300,400 across Sanpete County.
Is it cheaper to rent or buy in Moroni?
Median gross rent in Moroni is $862 a month, against $1,904 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 Moroni?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Moroni, Utah at today's rate takes a household income of roughly $81,500 a year. That covers the full $1,904 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Moroni, 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.