Total monthly cost of ownership
Cost to Own a Home in St. George, Utah
A $457,000 home here costs
$3,304per month, all in, with 20% down at today's 7.32% 30-year fixed rate. By the 28% rule that takes a household income of about $141,500 a year.
A standard mortgage calculator would have told you $2,511. The real number is $793 higher every month, 32% more than the payment most buyers budget for.
Compare Washington 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.
St. George against Washington County and Utah
| Measure | St. George | Washington County |
|---|---|---|
| Median home value | $456,900 | $465,600 |
| Median property tax | $2,064 | $2,076 |
| Effective tax rate | 0.452% | 0.446% |
| Median gross rent | $1,429 | $1,464 |
| Population | 99,184 | 189,827 |
The weather behind that power bill
St. George sits in Washington County, which averages a high of 92.1°F in its hottest month and a low of 27.6°F in its coldest, with 14.23" of precipitation a year and 37% of it in a single three-month stretch. That climate drives 1,211 cooling and 4,258 heating degree days, which is what sets the $103 electricity line above.
See the full climate breakdown for Washington County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Washington County
Full Washington County cost breakdown · Every county in Utah
Talk to someone who works this market
These are St. George 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 St. George every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in St. George I already own here and may sell
Common questions
How much does it cost to own a home in St. George?
A $457,000 home in St. George, Utah costs approximately $3,304 per month with 20% down at 7.32%. That is $2,511 principal and interest, $172 property tax, $69 homeowners insurance, $171 utilities and $381 set aside for maintenance.
What is the property tax rate in St. George?
St. George has an effective property tax rate of 0.452%, based on a median home value of $456,900 and median real estate taxes of $2,064. That is in line with the Washington County average of 0.446%.
What is the average home price in St. George?
The median owner-occupied home value in St. George, Utah is $456,900, against $465,600 across Washington County.
Is it cheaper to rent or buy in St. George?
Median gross rent in St. George is $1,429 a month, against $3,304 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 St. George?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in St. George, Utah at today's rate takes a household income of roughly $141,500 a year. That covers the full $3,304 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for St. George, 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.