Ranked from ACS 2023 5-Year
Lowest Costs Beyond the Mortgage in Utah
Where the mortgage is most of what owning costs, and everything else is a thin slice on top. These are the counties where a payoff changes the most: the share in the first column is roughly what you would still be paying every month with no mortgage left at all. Modelled at 20% down at the rate this site currently uses, so the share moves with both.
Utah ranked
| # | County | Share beyond mortgage | Monthly beyond mortgage | Monthly to own |
|---|---|---|---|---|
| 1 | Summit County | 21.3% | $1,443 | $6,783 |
| 2 | Wasatch County | 22.9% | $1,151 | $5,018 |
| 3 | Grand County | 24.0% | $810 | $3,377 |
| 4 | Utah County | 24.3% | $837 | $3,449 |
| 5 | Morgan County | 24.3% | $1,032 | $4,240 |
| 6 | Washington County | 24.4% | $800 | $3,286 |
| 7 | Wayne County | 24.6% | $634 | $2,582 |
| 8 | Davis County | 25.2% | $844 | $3,356 |
| 9 | Salt Lake County | 25.2% | $873 | $3,460 |
| 10 | Rich County | 25.3% | $527 | $2,081 |
| 11 | Kane County | 25.4% | $637 | $2,510 |
| 12 | Cache County | 25.5% | $717 | $2,814 |
| 13 | Juab County | 25.5% | $676 | $2,650 |
| 14 | Iron County | 25.5% | $627 | $2,458 |
| 15 | Box Elder County | 26.1% | $673 | $2,581 |
| 16 | Garfield County | 26.2% | $541 | $2,067 |
| 17 | Beaver County | 26.2% | $546 | $2,081 |
| 18 | Tooele County | 26.3% | $746 | $2,835 |
| 19 | Weber County | 26.6% | $754 | $2,831 |
| 20 | Sanpete County | 27.0% | $593 | $2,197 |
| 21 | Uintah County | 27.8% | $556 | $1,998 |
| 22 | Sevier County | 27.9% | $565 | $2,028 |
| 23 | Piute County | 27.9% | $486 | $1,742 |
| 24 | Daggett County | 28.1% | $505 | $1,797 |
| 25 | Millard County | 28.4% | $522 | $1,837 |
| 26 | Duchesne County | 29.0% | $553 | $1,907 |
| 27 | Emery County | 30.4% | $459 | $1,512 |
| 28 | Carbon County | 30.7% | $474 | $1,546 |
| 29 | San Juan County | 32.6% | $490 | $1,504 |
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
Lowest Costs Beyond the Mortgage across all 3,133 US counties · Every county in Utah