Utah County, Utah: What It Costs to Buy a Home
The median home in Utah County is worth $489,200, property taxes on it run about $2,234 a year (0.46%), the FHA loan limit is $601,450, and there is no transfer tax; title insurance on it runs about $3,380. Each number below opens its own page with the source and a calculator.
| Median home value | $489,200 | Title insurance at this price → |
|---|---|---|
| Property taxes (median paid) | $2,234 a year, 0.46% of value | Property tax page → |
| FHA loan limit (1 unit) | $601,450 | Loan limits page → |
| Conforming loan limit (1 unit) | $832,750 | Loan limits page → |
| Transfer tax | None in Utah | Utah transfer tax page → |
| Title insurance on the median home | $2,253 owner's + $1,127 lender's | Title insurance page → |
| Recording fees (deed + mortgage) | $80 | Recording fees page → |
| Closing costs from these items | $3,460 | Closing costs page → |
| Area median income (HUD, family of 4) | $119,200; low-income limit $95,350 | Income limits page → |
Frequently asked questions
How much do homes cost in Utah County?
The median owner-occupied home in Utah County is valued at $489,200, per U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25077 (median value of owner-occupied housing units).
How much are property taxes in Utah County?
The median Utah County homeowner pays $2,234 a year in real estate taxes, about 0.46% of the median home value ($2,232 for homes with a mortgage), per the Census Bureau's American Community Survey.
What is the FHA loan limit in Utah County?
$601,450 for a one-unit home in 2026 (a high-cost limit above the national floor), per HUD; the conforming limit for Fannie Mae and Freddie Mac loans is $832,750, per FHFA.
What does it cost to close on a home in Utah County?
On the $489,200 median home: no transfer tax in Utah, title insurance $3,380 for both policies, recording fees about $80, about $3,460 for those items before lender fees, prepaid taxes and insurance.
What is the area median income in Utah County?
HUD's FY 2026 median family income for Utah County (Provo-Orem-Lehi, UT MSA) is $119,200. A family of four counts as low income below $95,350 under HUD's 80% tier (adjusted for local housing costs, so it can sit above 80% of the median), which is the line many first-time buyer assistance programs use.
Nearby Utah counties
- Summit County $1,000,400
- Tooele County $391,300
- Uintah County $270,200
- Wasatch County $724,400
- Washington County $465,600
- Wayne County $364,800
Sources
- U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25077 (median value of owner-occupied housing units)
- U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25103 (median real estate taxes paid)
- HUD, FHA forward mortgage loan limits for calendar year 2026 (CHUMS county limits file, Mortgagee Letter 2025-23)
- FHFA, conforming loan limits for mortgages acquired in calendar year 2026, by county
Figures are computed from the documents above and rounded to the dollar. All sources.
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General information, not financial, tax or legal advice. Figures are medians and schedule computations, not quotes.
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