Average mortgage payment in Salt Lake County, UT (2026)
The average mortgage payment in Salt Lake County on a median-priced home (~$710,000) is roughly $5,206/month — assuming 10% down at a 6.85% 30-year fixed rate and Utah's 0.63% effective property tax rate (full PITI).
To carry that payment under the standard 28% front-end DTI rule, you'd need an annual household income near $223,108. County population is roughly 1,185,238.
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How Salt Lake County compares to Utah
The typical home in Salt Lake County is 38% above the statewide median of $515,000 in Utah. Property tax is set at the state's effective rate of 0.63% — local millage and special assessments vary by county, but this is the right starting point.
The payment above bakes in principal, interest, property tax, and homeowners insurance — it does not include HOA dues or mortgage insurance (PMI). PMI kicks in automatically when down payment is below 20% on a conventional loan. For a full breakdown, run your own numbers in the main calculator.
Frequently asked questions
What is the average mortgage payment in Salt Lake County?+
On a median Salt Lake County home (~$710,000) at a 6.85% 30-year fixed rate with 10% down, all-in PITI runs about $5,206/month, including ~$373 in property tax.
What income do I need to buy a home in Salt Lake County?+
Using the 28% front-end DTI rule, you'd need roughly $223,108 in annual gross household income to comfortably carry the median Salt Lake County home.
How does Salt Lake County compare to the rest of Utah?+
Salt Lake County's median home ($710,000) is 38% above the Utah median of $515,000.
Does this include HOA fees or PMI?+
No. HOA dues vary too widely to assume a default — add them directly to the payment. PMI applies when you put less than 20% down on a conventional loan; the main calculator factors it in automatically.