All-in cost first, always. Estimate only — not a loan quote or pre-approval.
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Tell us your income and savings instead, and we'll work out the max home price and a qualification signal for Utah.
How much house can I afford in Utah? →Utah Housing Corporation's (the state's Housing Finance Agency) below-market-rate 30-year fixed first mortgage for qualifying homebuyers statewide, available through Participating Lenders, often paired with a Down Payment Assistance second mortgage. Income and maximum acquisition (purchase) price limits vary by county grouping.
State-legislature-funded (2023 SB240) program offering up to $20,000 in 0%-interest, no-monthly-payment down payment/closing-cost/rate-buydown assistance for first-time buyers purchasing a newly constructed, not-yet-inhabited home, paired with any Utah Housing first mortgage. Assistance is repayable (lesser of amount received or 50% of home equity gain) upon sale or refinance.
Fewer listings, fewer buyers, and sellers who have a reason to be on the market in December. Here is what a winter discount is actually worth on a $400,000 house — in monthly payment, in lifetime interest, and in the seller concessions a quiet market makes possible — and the three ways a winter purchase goes wrong.
Utah's median sale price is $534,300, but the state's tax on transferring the deed is $0. Here's what closing on a Utah home actually costs in 2026.
The operational guide to buying property with a partner, friend, sibling, or parent — credit and DTI mechanics, title vesting, a clause-by-clause co-ownership agreement, and how the exit actually works.
A month-by-month plan for the year before you buy: what to do in each phase, what never to touch, how to document every dollar, and how to survive closing day.
Utah guide
Utah's median sale price is $534,300 — well above what most of the country pays for a house. So here's the number that surprises people: the state's tax on transferring the deed to that home is zero dollars.
Not a reduced rate, and not one with exemptions to qualify for. Utah levies no real estate transfer tax at all, state or local. Where deed transfers are taxed, that single line is often the largest government charge on the settlement statement, and it scales with the price. In Utah it doesn't exist.
The same is true on the loan side. Utah charges no mortgage recording tax, so borrowing $427,440 — what you'd finance on that median home at 20% down — triggers no percentage-based tax. The county recorder charges a flat fee to record it.
Practically, nearly every dollar of your Utah closing costs is a fee, not a tax, and fees can be shopped, compared, and sometimes argued down. Our line-by-line breakdown of every closing cost covers the mechanics; this article covers what's Utah-specific.
A note before you start: this is general education, not financial, legal, or tax advice. Every figure below is a statewide number from CalculatorByState's sourced dataset, and your county, lender, title company, and purchase contract will all move the total. Salt Lake County and Washington County are not the same market, and neither is the same as your specific transaction. Your Loan Estimate and Closing Disclosure are the authoritative documents. Use this to sanity-check them, not to replace them.
A 2-4% range against Utah's $534,300 median sale price gives you roughly $10,686 to $21,372, with a midpoint around $16,029. That range excludes agent commissions.
On a $350,000 purchase, still common in much of the state, the same 2-4% works out to about $7,000 to $14,000.
Read the full Utah guide →9 min read · Updated 2026-08-24