Total monthly cost of ownership
Cost to Own a Home in Roosevelt, Utah
A $265,000 home here costs
$2,025per 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 $87,000 a year.
A standard mortgage calculator would have told you $1,445. The real number is $580 higher every month, 40% more than the payment most buyers budget for.
Compare Duchesne County with anywhere in America · full county breakdown
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Roosevelt against Duchesne County and Utah
| Measure | Roosevelt | Duchesne County |
|---|---|---|
| Median home value | $265,300 | $253,600 |
| Median property tax | $1,788 | $1,611 |
| Effective tax rate | 0.674% | 0.635% |
| Median gross rent | $902 | $934 |
| Population | 6,960 | 19,932 |
The weather behind that power bill
Roosevelt sits in Duchesne County, which averages a high of 88.5°F in its hottest month and a low of 10.5°F in its coldest, with 9.45" of precipitation a year and 37% of it in a single three-month stretch. That climate drives 533 cooling and 6,663 heating degree days, which is what sets the $103 electricity line above.
See the full climate breakdown for Duchesne County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Duchesne County
Talk to someone who works this market
These are Roosevelt 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 Roosevelt every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Roosevelt I already own here and may sell
Common questions
How much does it cost to own a home in Roosevelt?
A $265,000 home in Roosevelt, Utah costs approximately $2,025 per month with 20% down at 7.24%. That is $1,445 principal and interest, $149 property tax, $40 homeowners insurance, $171 utilities and $221 set aside for maintenance.
What is the property tax rate in Roosevelt?
Roosevelt has an effective property tax rate of 0.674%, based on a median home value of $265,300 and median real estate taxes of $1,788. That is higher than the Duchesne County average of 0.635%.
What is the average home price in Roosevelt?
The median owner-occupied home value in Roosevelt, Utah is $265,300, against $253,600 across Duchesne County.
Is it cheaper to rent or buy in Roosevelt?
Median gross rent in Roosevelt is $902 a month, against $2,025 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 Roosevelt?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Roosevelt, Utah at today's rate takes a household income of roughly $87,000 a year. That covers the full $2,025 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Roosevelt, 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.