ZIP Code Market Report · Updated May 2026
Is 84101 a Buyer's
or Seller's Market?
📍 Salt Lake City, Utah · UT
70
🟡 WARM
Balanced market
22 days avg on market · Tax rate: 0.57%/yr
Mortgage Breakdown — 84101
Median Price$510,000
20% Down$102,000
Loan Amount$408,000
Rate (~6.7%)$2,632/mo P&I
Property Tax$242/mo
Total PITI$3,086/mo
Income Needed$102,866/yr
Educational purposes only. Market data is estimated. Not financial advice. Always verify with a licensed professional.
The other half of the answer
Prices tell you what a house costs here. They do not tell you whether a lender will approve the loan — and that varies more than almost anyone realises.
17.3%
of FHA applications denied in Salt Lake City, UT, 2025 · national 22.1%
SECURITYNATIONAL MORTGAGE COMPANY
8.5% United Wholesale Mortgage
17.8% A 25.5-point spread between the busiest FHA lenders in this metro.
CFPB HMDA 2025, computed by FinanceRateCalc. Covers the highest-volume lenders published for this market, not all lenders. Rates reflect applicant mix as well as lender practice — historical observations, not predictions. CC BY 4.0, not independently reproduced.
The Denial Dispatch
One finding a week from the federal mortgage record.
One chart, three paragraphs, every Saturday. Measured, not assumed.
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