Total monthly cost of ownership
Cost to Own a Home in St. George, Utah
A $457,000 home here costs
$3,155per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $2,349. The real number is $806 higher every month — 34% 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.
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 $117 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
Common questions
How much does it cost to own a home in St. George?
A $457,000 home in St. George, Utah costs approximately $3,155 per month with 20% down at 6.66%. That is $2,349 principal and interest, $172 property tax, $69 homeowners insurance, $185 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 $3,155 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 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.