Ranked from ACS 2023 5-Year
Cheapest Counties to Own a Home Outright in Utah
Paying off a mortgage does not end the cost of a house. This ranks counties by what the median home still costs every month with no loan at all: property tax, insurance, electricity, water and maintenance. Nowhere in America is it zero.
Where does yours land?
Every county in America is somewhere on this scale, including the one you live in.
Utah ranked
| # | County | Monthly if paid off | Median home | Effective rate |
|---|---|---|---|---|
| 1 | Emery County | $459 | $197,100 | 0.584% |
| 2 | Carbon County | $474 | $200,700 | 0.642% |
| 3 | Piute County | $486 | $235,400 | 0.431% |
| 4 | San Juan County | $490 | $189,900 | 0.844% |
| 5 | Daggett County | $505 | $242,100 | 0.481% |
| 6 | Millard County | $522 | $246,400 | 0.535% |
| 7 | Rich County | $527 | $291,200 | 0.291% |
| 8 | Garfield County | $541 | $285,800 | 0.380% |
| 9 | Beaver County | $546 | $287,600 | 0.390% |
| 10 | Duchesne County | $553 | $253,600 | 0.635% |
| 11 | Uintah County | $556 | $270,200 | 0.536% |
| 12 | Sevier County | $565 | $274,100 | 0.552% |
| 13 | Sanpete County | $593 | $300,400 | 0.511% |
| 14 | Iron County | $627 | $342,900 | 0.421% |
| 15 | Wayne County | $634 | $364,800 | 0.349% |
| 16 | Kane County | $637 | $350,900 | 0.419% |
| 17 | Box Elder County | $673 | $357,400 | 0.511% |
| 18 | Juab County | $676 | $369,800 | 0.462% |
| 19 | Cache County | $717 | $392,800 | 0.491% |
| 20 | Tooele County | $746 | $391,300 | 0.589% |
| 21 | Weber County | $754 | $389,200 | 0.621% |
| 22 | Washington County | $800 | $465,600 | 0.446% |
| 23 | Grand County | $810 | $480,900 | 0.418% |
| 24 | Utah County | $837 | $489,200 | 0.457% |
| 25 | Davis County | $844 | $470,500 | 0.541% |
| 26 | Salt Lake County | $873 | $484,500 | 0.563% |
| 27 | Morgan County | $1,032 | $600,900 | 0.543% |
| 28 | Wasatch County | $1,151 | $724,400 | 0.446% |
| 29 | Summit County | $1,443 | $1,000,400 | 0.347% |
Every figure is modelled on the county's own median home with 20% down at 7.03%. Property tax and electricity are county and state specific; homeowners insurance uses the NAIC average premium for that state, which ranges from 0.16% of home value in Hawaii to 1.16% in Oklahoma. Maintenance and water are national estimates. Full methodology.
Nationwide
Cheapest Counties to Own a Home Outright across all 3,133 US counties · Every county in Utah