How to Buy a House in Utah
Updated 2026-03-02 | Data from Zillow, HUD, Tax Foundation
Avg Home Price
$546,553
Closing Costs
$13,180
2.41% of price
Property Tax Rate
0.47%
$2,232/yr median
Days on Market
38
Median
FHA Loan Limit
$472,030
Attorney Required
No
Foreclosure Type
Non-Judicial
Transfer Tax
None
None
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Key Facts About Buying in Utah
- ✓No transfer tax
- ✓Salt Lake City metro is primary market
- ✓Low property tax rate at 0.63%
- ✓Fast-growing market driven by tech sector
The Home Buying Process in Utah
Buying a home in Utah follows a 10-step process. Utah does not require an attorney at closing, though you may choose to hire one.
1
Check Your Credit Score & Finances
2
Get Pre-Approved for a Mortgage
3
Find a Real Estate Agent
4
Search for Homes & Make an Offer
5
Get a Home Inspection
6
Secure Your Financing
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First-Time Buyer Programs in Utah
UHC FirstHome Loan
Below-market rate mortgage
Below-market rates + up to 6% DPAIncome: Up to $97,000
Cost of Buying a Home in Utah
| Down Payment (3.5% FHA) | $19,129 |
| Down Payment (20% Conventional) | $109,311 |
| Average Closing Costs | $13,180 |
| Transfer Tax | None |
| Annual Property Tax (est.) | $2,569/yr |
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Legal & Regulatory Details in Utah
Homestead Exemption
Available
Up to $47,840 + $20,000 per dependent
Licensing Authority
Utah Division of Real Estate
Utah Real Estate Law Overview
| Conveyance Document | Warranty or special-warranty deed |
| Security Instrument | Mortgage or deed of trust |
| Foreclosure Process | Non-Judicial |
| Attorney Required at Closing | No |
| Deficiency Judgment | Yes |
| Redemption After Sale | No |
| Reinstatement Available | Yes |
| Seller Disclosures | Sellers must disclose known material defects not discoverable by reasonable inspection. Utah specifically requires disclosure of methamphetamine contamination and also requires disclosure of environmental hazards, appliance/system failures, structural damage, pest infestations, water damage, zoning violations, boundary disputes, easements and homeowners'-association governance. |
