📍 Zip Code 84101 · Salt Lake City, UT · Salt Lake County

Mortgage Costs in 84101
Salt Lake City, UT

Real 2026 data · Property tax 0.6% · 7.1% mortgage rate
$480,000
Median Home Price
$3,021
All-In Monthly (20% down)
$129,454
Salary Needed
Difficult
Affordability on Avg Income

Full Cost Breakdown — 84101 (Salt Lake City, UT)

Cost Item
20% Down ($96,000)
10% Down ($48,000)
Principal & Interest
$2,581/mo
$2,903/mo
Property Tax (0.6%)
$240/mo
$240/mo
Home Insurance (~0.5%)
$200/mo
$200/mo
PMI (if <20% down)
$216/mo
Total All-In
$3,021/mo
$3,559/mo

What Salary Do You Need to Buy in 84101?

Using the standard 28% gross income housing rule, you need approximately $129,454/year to comfortably afford the median home in Salt Lake City, UT with 20% down at today's 7.1% rate.

The average household income in Salt Lake County is approximately $72,000/year — which means buying the median home here is difficult for the average family.

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Property Tax in 84101 (Salt Lake County)

Salt Lake County has a property tax rate of approximately 0.6% — below the national average of 1.1%. On a $480,000 home, this equals $240/month or $2,880/year in property taxes.

Property taxes can often be appealed if your assessment seems high. Ownwell specializes in property tax appeals — they only charge if they save you money.

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Potential savings: $432/year. No win = no fee.
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Will a Bank Approve You in Salt Lake City?

Approval depends on your specific profile — credit score, income, existing debts, and down payment. The Bank Rejection Engine shows exactly how 5 different lender types would score your application for a home in 84101.

Check My Approval Odds → Paste a Salt Lake City Listing →