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30-year fixed average was 7.32% on October 22, 2026 (Freddie Mac). Use your lender's quote if you have one.
Utah averages about 0.5% of value for a primary home
Estimated monthly payment

$0

An estimate to help you plan, not a loan approval. Mortgage insurance is estimated at 0.5% of the loan per year when you put down less than 20%; FHA and VA loans work differently. The "comfortable" budget keeps your total housing payment near 28% of gross income and all debts near 36%, which is more conservative than many lenders allow, on purpose. A real pre-approval is the only way to know your number.

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