Utah mortgage rates and costs by county, 2025
Median figures from closed, first-lien, owner-occupied home loans reported under HMDA. Each county page breaks the numbers down by lender. Counties with fewer than 5 qualifying loans are not listed; see the methodology.
| County | Purchase loans | Median rate | Median total costs | Refinance rate |
|---|---|---|---|---|
| Salt Lake County | 10,312 | 6.375% | $8,295 | 6.125% |
| Utah County | 9,225 | 6.25% | $8,782 | 6.125% |
| Davis County | 3,531 | 6.375% | $7,864 | 6.125% |
| Weber County | 3,343 | 6.25% | $8,634 | 6.125% |
| Washington County | 2,789 | 6.375% | $7,518 | 6.24% |
| Cache County | 1,364 | 6.375% | $7,633 | 6.125% |
| Tooele County | 1,328 | 6.25% | $10,664 | 6.125% |
| Iron County | 871 | 6.375% | $8,218 | 6.24% |
| Box Elder County | 843 | 6.284% | $8,833 | 6.125% |
| Wasatch County | 493 | 6.25% | $7,753 | 6.25% |
| Summit County | 412 | 6.375% | $7,047 | 6.25% |
| Uintah County | 373 | 6.375% | $9,160 | 6.125% |
| Sanpete County | 258 | 6.5% | $8,307 | 6.375% |
| Carbon County | 214 | 6.433% | $7,260 | 6.25% |
| Sevier County | 211 | 6.375% | $6,873 | 6.125% |
| Morgan County | 156 | 6.375% | $7,068 | 6.125% |
| Duchesne County | 152 | 6.375% | $8,894 | 6.25% |
| Juab County | 141 | 6.375% | $9,796 | 6.25% |
| Millard County | 106 | 6.463% | $6,533 | 6.5% |
| Kane County | 86 | 6.375% | $7,243 | 6.25% |
| Emery County | 78 | 6.375% | $7,234 | 6.25% |
| Beaver County | 63 | 6.375% | $7,474 | 6.375% |
| Grand County | 56 | 6.5% | $7,145 | 6.49% |
| San Juan County | 53 | 6.499% | $6,460 | 6.245% |
| Garfield County | 42 | 6.625% | $6,107 | 6.5% |
| Rich County | 30 | 6.562% | $6,323 | 6.625% |
| Wayne County | 15 | 6.375% | $6,774 | 6.25% |
| Piute County | 10 | 6.558% | $5,264 | 6.12% |
| Daggett County | 5 | 6.625% | $5,911 | 6.562% |
Purchase loans sorted by loan count. Medians describe what closed loans looked like, under those borrowers' profiles and loan sizes; they are not quotes. Source: FFIEC HMDA Modified LAR, filing year 2025.