The most affordable cities to buy a house in Utah (2026)

Every Utah city over 10,000 residents, ranked by the gross household income it takes to buy the typical home: 20% down at 7.03% (30-yr fixed), including Utah property tax and insurance. Data through 2026-08.

1. Vernal — typical home $298K, income to buy about $77,000/yr
2. Logan — typical home $390K, income to buy about $101,000/yr
3. Ogden — typical home $396K, income to buy about $102,000/yr
4. Cedar City — typical home $405K, income to buy about $105,000/yr
5. Brigham City — typical home $410K, income to buy about $106,000/yr
6. Clearfield — typical home $419K, income to buy about $108,000/yr
7. Tremonton — typical home $424K, income to buy about $109,000/yr
8. South Ogden — typical home $424K, income to buy about $109,000/yr
9. Tooele — typical home $430K, income to buy about $111,000/yr
10. Roy — typical home $433K, income to buy about $112,000/yr
11. South Salt Lake — typical home $439K, income to buy about $113,000/yr
12. Hyrum — typical home $446K, income to buy about $115,000/yr
13. West Valley City — typical home $466K, income to buy about $120,000/yr
14. Smithfield — typical home $467K, income to buy about $120,000/yr
15. Payson — typical home $471K, income to buy about $122,000/yr
16. Provo — typical home $481K, income to buy about $124,000/yr
17. Midvale — typical home $485K, income to buy about $125,000/yr
18. Taylorsville — typical home $493K, income to buy about $127,000/yr
19. Clinton — typical home $493K, income to buy about $127,000/yr
20. Santaquin — typical home $495K, income to buy about $128,000/yr
21. Hurricane — typical home $501K, income to buy about $129,000/yr
22. Orem — typical home $502K, income to buy about $129,000/yr
23. Eagle Mountain — typical home $504K, income to buy about $130,000/yr
24. Springville — typical home $505K, income to buy about $130,000/yr
25. Stansbury Park — typical home $511K, income to buy about $132,000/yr

At the other end, Utah's priciest markets: Alpine ($311,000/yr), Highland ($251,000/yr), Holladay ($218,000/yr), Draper ($209,000/yr), Cottonwood Heights ($201,000/yr).

"Income to buy" holds the typical home's payment inside the 28% lender guideline. Your own verdict depends on savings and debts — open any city and run your numbers, or see the whole country on the affordability map.

i wanna buy a house .com — type a city, see its market, find out what you can afford.