Local costs · Utah
What a home costs across Utah
Property-tax rates, insurance, and closing costs vary widely by county. Below are the state-wide rules that apply everywhere in Utah, then every county with its own tax rate and insurance range.
Statewide facts
- Home insurance average
- About $937 per year for a standard HO-3 policy (NAIC 2022 state average). Individual counties run above or below this based on local hazard risk — see the table below.
- Transfer & recording tax
- Utah charges no state transfer or recording tax on a home purchase.
- Title insurance
- Utah uses competitive (filed) rates. Rates are competitive rather than state-set, so we model title and settlement from a national declining-rate curve calibrated to published costs.
- State income tax
- Utah income tax is modeled at about 2.57% effective for a married household at $100,000 (3.53% filing single). These are modeled effective rates from Tax Foundation 2026 brackets.
All 29 counties in Utah
Effective property-tax rate (Census ACS) and a typical annual insurance range at the state median home value. Select a county for the full breakdown.
| County | Property tax | Insurance / yr |
|---|---|---|
| Beaver County | 0.40% | $710–$1,580typical $1,090 |
| Box Elder County | 0.49% | $850–$1,890typical $1,300 |
| Cache County | 0.45% | $460–$1,020typical $700 |
| Carbon County | 0.61% | $460–$1,020typical $700 |
| Daggett County | 0.46% | $850–$1,890typical $1,300 |
| Davis County | 0.53% | $460–$1,020typical $700 |
| Duchesne County | 0.61% | $460–$1,020typical $700 |
| Emery County | 0.62% | $460–$1,020typical $700 |
| Garfield County | 0.35% | $460–$1,020typical $700 |
| Grand County | 0.41% | $460–$1,020typical $700 |
| Iron County | 0.41% | $1,050–$2,330typical $1,610 |
| Juab County | 0.45% | $1,110–$2,470typical $1,700 |
| Kane County | 0.40% | $620–$1,390typical $960 |
| Millard County | 0.51% | $620–$1,390typical $960 |
| Morgan County | 0.52% | $890–$1,990typical $1,370 |
| Piute County | 0.36% | $470–$1,060typical $730 |
| Rich County | 0.26% | $580–$1,290typical $890 |
| Salt Lake County | 0.54% | $460–$1,020typical $700 |
| San Juan County | 0.80% | $460–$1,020typical $700 |
| Sanpete County | 0.47% | $510–$1,150typical $790 |
| Sevier County | 0.54% | $460–$1,020typical $700 |
| Summit County | 0.35% | $960–$2,150typical $1,480 |
| Tooele County | 0.57% | $1,140–$2,550typical $1,760 |
| Uintah County | 0.51% | $460–$1,020typical $700 |
| Utah County | 0.44% | $610–$1,360typical $940 |
| Wasatch County | 0.46% | $880–$1,970typical $1,360 |
| Washington County | 0.42% | $1,470–$3,280typical $2,260 |
| Wayne County | 0.34% | $460–$1,020typical $700 |
| Weber County | 0.60% | $460–$1,020typical $700 |
* Property-tax rate is approximate because the county’s Census median is top-coded.
How these numbers are built
Every figure comes from public data or our own math: Census ACS property taxes, NAIC insurance averages scaled by FEMA risk, and researched transfer-tax and title schedules.
Estimates, not advice. See the methodology for sources, vintages, and the honest gaps.