County closing cost calculator

Closing Cost Calculator for Utah County

Closing costs in Utah County are among the lowest in the country, largely because the county's 0.457% effective property tax rate keeps prepaid taxes small. Half a year's tax on a median home runs just $1,118 at closing — a fraction of what buyers pay in high-tax states. Combined with standard lender and third-party fees of roughly $14,676, total cash-to-close on a 20% down purchase runs about $113,634. For buyers comparing markets, the prepaid tax savings here are material and worth factoring into the offer strategy. In this tax tier, the prepaid tax line often runs below $500 on a median-priced home — a minor line item compared with lender fees. Below Utah's statewide average, this county's effective rate keeps the prepaid tax line more modest than what buyers see in higher-tax parts of the state.(c, s) => ` At a price point aligned with the ${s.name} median, closing costs here track the county's typical transaction profile — no unusual premium or discount tied to the price tier itself. Lender fees, title, appraisal, and prepaid tax all land within standard ranges for the market.` Median household earnings of $96,877 place buyers here squarely in the mainstream lending pool for Utah. The cash requirement lands within what conventional underwriting tolerates at standard debt-to-income ratios. FHA, USDA, and state assistance programs remain available where loan limits and borrower profile allow, giving this tier the broadest range of financing options across the Utah market. At $1,441 per month, rents in Utah County track the national median, so buyers coming from the rental market face a transition that is roughly neutral on monthly cost. The cash-to-close figure, rather than the monthly payment, is what typically determines timing. This creates an environment where buyers can plan the purchase around savings milestones rather than market timing — a more predictable path than in volatile rental markets. Occupying the lower half of Utah's effective-rate rankings — but outside the bottom quartile — this jurisdiction lands in a band where property tax runs moderately below the state county median. Purchasers see the difference in the prepaid column at settlement, and continued benefit in monthly escrow funding over the life of the loan. The position is favorable without being extreme; for households weighing this locale against statewide alternatives, the tax line typically lands on the friendlier side of the comparison without requiring unusual planning or lender coordination. With median home values in the $400,000 to $600,000 range, this locale sits in the upper-middle price tier nationally. Title insurance premiums, origination fees, and appraisal charges all reflect the larger transaction size, and the prepaid tax line grows proportionally with the assessed value. Purchasers transitioning from lower-priced markets often underestimate how the settlement statement scales — not in percentage terms, but in absolute dollars. Budgeting the full cash-to-close figure before touring properties keeps the transaction on a predictable path. The chart below shows how transaction costs scale across five price points in Utah County.