What your paycheck buys · Updated every Friday

What a paycheck buys in Utah this week

Out of reach · #38 of 50 on affordability · rate for the week of October 22, 2026

A median Utah household earning $102,900 a year can afford a home of about $325,000 at this week’s 7.32% average 30-year rate. The median Utah listing is $579,000, which would take 49.9% of that household’s gross income, against the usual 28% ceiling.

$325,000

Affordable home price

+$2,141 vs. last week · −$34,443 vs. a year ago

$579,000

Median list price (September 2026)

−$6,000 vs. a year earlier

Affordability index (100 = within reach)

U.S. 66 · Utah 61 a year ago

49.9%

Share of income the median listing takes

$4,279/mo incl. taxes & insurance · U.S. 42.5%

$103,000

Median household income (2025)

U.S. $87,000

#38

Rank of 50 (1 = most affordable)

See the full ranking

Compared with a year ago

A year ago, with the 30-year rate at 6.19%, a median list price of $585,000 and median income of $103,400 (2024 figure), the same household could afford about $359,000 and the median listing took 45.6% of income. Affordability in Utah has worsened since then.

Nearby in the ranking

#36 Nevada: can afford $281,000, median listing $480,000
#37 Colorado: can afford $324,000, median listing $564,000
#39 Washington: can afford $355,000, median listing $639,000
#40 Tennessee: can afford $238,000, median listing $429,000

Run your own numbers →

How this is calculated: 28% of gross monthly income for housing, 10% down, a 30-year fixed loan at Freddie Mac’s weekly average, and 1.45% of the price a year for taxes and insurance. Full method, caveats, and sources on the main index page. An educational gauge, not a mortgage quote.