Total monthly cost of ownership
Cost to Own a Home in Sunset, Utah
A $297,000 home here costs
$2,140per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,527. The real number is $613 higher every month — 40% 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.
Sunset against Davis County and Utah
| Measure | Sunset | Davis County |
|---|---|---|
| Median home value | $296,900 | $470,500 |
| Median property tax | $1,635 | $2,546 |
| Effective tax rate | 0.551% | 0.541% |
| Median gross rent | $1,166 | $1,516 |
| Population | 5,567 | 366,742 |
The weather behind that power bill
Sunset sits in Davis County, which averages a high of 91.3°F in its hottest month and a low of 21.2°F in its coldest, with 16.36" of precipitation a year and 36% of it in a single three-month stretch. That climate drives 1,052 cooling and 5,850 heating degree days, which is what sets the $117 electricity line above.
See the full climate breakdown for Davis County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Davis County
Common questions
How much does it cost to own a home in Sunset?
A $297,000 home in Sunset, Utah costs approximately $2,140 per month with 20% down at 6.66%. That is $1,527 principal and interest, $136 property tax, $45 homeowners insurance, $185 utilities and $248 set aside for maintenance.
What is the property tax rate in Sunset?
Sunset has an effective property tax rate of 0.551%, based on a median home value of $296,900 and median real estate taxes of $1,635. That is higher than the Davis County average of 0.541%.
What is the average home price in Sunset?
The median owner-occupied home value in Sunset, Utah is $296,900, against $470,500 across Davis County.
Is it cheaper to rent or buy in Sunset?
Median gross rent in Sunset is $1,166 a month, against $2,140 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 Sunset — 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.