Utah mortgage calculator

30-year fixed mortgage calculator with Utah-specific defaults. Median home price $540,000 · property tax effective rate 0.58%. All inputs update live; share your scenario as a URL.

Median home price reconciled 2026-04-22. Source: Zillow Home Value Index, state-level.

Your loan

Home price

$100k$2M

Down payment$108,000

Interest rate30-yr avg: 6.875%

Loan term

Taxes & insurance

(optional, but realistic)

State

Utah

State pre-set for this page. Switch state

Property tax rate

~$261 per month

Homeowner insurance

HOA dues (if any)

PMI required. With 20% down (LTV 80.0%), private mortgage insurance is added at 0.50% of the loan annually — that's $180/month. PMI auto-removes at month 28 (78% LTV, per the Homeowners Protection Act).

Extra payments

(optional — accelerate payoff)

Biweekly paymentsPay half the monthly amount every two weeks (26 half-payments per year ≈ 13 monthly equivalents). Typically saves 4-7 years and tens of thousands in interest on a 30-year loan.

Extra each month

Applied as additional principal every month.

One-time lump sum

Single payment toward principal at the specified month (e.g. tax refund or bonus).

Estimated monthly payment

For a $540,000 home, 20% down, 6.875% APR, 30-year fixed in Utah.

Where your payment goes

Principal & interest$2,838

Property tax$261

Homeowner insurance$145

PMI$180

Loan amount

$432,000

Total interest

$589,656

Total paid

$1,021,656

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How your balance falls over time

The crossover point — where more of each payment goes to principal than interest — is at year 20.

BalanceInterest paidPrincipal paid

Amortization schedule

Year-by-year breakdown of every payment.

Period	Payment	Principal	Interest	Total interest paid	Balance
Y01Year 1	$34,055	$4,495	$29,560	$29,560	$427,505
Y02Year 2	$34,055	$4,814	$29,241	$58,801	$422,691
Y03Year 3	$34,055	$5,156	$28,900	$87,701	$417,535
Y04Year 4	$34,055	$5,521	$28,534	$116,235	$412,014
Y05Year 5	$34,055	$5,913	$28,142	$144,376	$406,101
Y06Year 6	$34,055	$6,333	$27,722	$172,099	$399,768
Y07Year 7	$34,055	$6,782	$27,273	$199,372	$392,985
Y08Year 8	$34,055	$7,263	$26,792	$226,163	$385,722
Y09Year 9	$34,055	$7,779	$26,276	$252,440	$377,943
Y10Year 10	$34,055	$8,331	$25,724	$278,164	$369,612
Y11Year 11	$34,055	$8,922	$25,133	$303,297	$360,690
Y12Year 12	$34,055	$9,555	$24,500	$327,797	$351,135
Y13Year 13	$34,055	$10,233	$23,822	$351,619	$340,902
Y14Year 14	$34,055	$10,959	$23,096	$374,715	$329,943
Y15Year 15	$34,055	$11,737	$22,318	$397,034	$318,206
Y16Year 16	$34,055	$12,570	$21,485	$418,519	$305,636
Y17Year 17	$34,055	$13,462	$20,594	$439,113	$292,174
Y18Year 18	$34,055	$14,417	$19,638	$458,751	$277,758
Y19Year 19	$34,055	$15,440	$18,615	$477,366	$262,318
Y20Year 20	$34,055	$16,535	$17,520	$494,886	$245,782
Y21Year 21	$34,055	$17,709	$16,346	$511,233	$228,074
Y22Year 22	$34,055	$18,965	$15,090	$526,322	$209,108
Y23Year 23	$34,055	$20,311	$13,744	$540,067	$188,797
Y24Year 24	$34,055	$21,752	$12,303	$552,369	$167,045
Y25Year 25	$34,055	$23,296	$10,759	$563,129	$143,749
Y26Year 26	$34,055	$24,949	$9,106	$572,235	$118,800
Y27Year 27	$34,055	$26,719	$7,336	$579,571	$92,081
Y28Year 28	$34,055	$28,615	$5,440	$585,011	$63,466
Y29Year 29	$34,055	$30,646	$3,410	$588,421	$32,820
Y30Year 30	$34,055	$32,820	$1,235	$589,656	$0

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Utah — related

Utah income tax

Top marginal 4.55% · Flat rate

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Compare scenarios

Up to three mortgage scenarios side-by-side with a differential row.

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National 30-year fixed

Same calculator with cross-state defaults; manually pick any state.

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Last updated 2026-05-13