Total monthly cost of ownership
Cost to Own a Home in Roosevelt, Utah
A $265,000 home here costs
$1,956per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,362. The real number is $594 higher every month — 44% 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.
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 $117 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
Common questions
How much does it cost to own a home in Roosevelt?
A $265,000 home in Roosevelt, Utah costs approximately $1,956 per month with 20% down at 6.66%. That is $1,362 principal and interest, $149 property tax, $40 homeowners insurance, $185 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 $1,956 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 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.