How your housing costs change when you relocate. Based on 2026 data with 10% down, 6.5% rate, 30-year fixed.
Your housing costs will decrease by approximately $2,178 per month ($26,136/year) when you move from California to Utah.
If you sell your median-priced California home ($785K) and buy in Utah ($480K):
Your California equity covers the 20% down payment on a median Utah home with $140K left over. That surplus can cover closing costs, moving expenses, or go into savings.
Over 10 years, this move saves you approximately $261K in housing costs alone.
Your dollar stretches further in Utah. The median home costs 39% less than in California, which translates to a $305K difference in purchase price. This means a smaller loan, a lower monthly payment, and less total interest paid over the life of your mortgage.
You'll save on insurance moving to Utah: $1,200/year versus $2,200/year in California. That's $1,000 less per year in premiums, putting $83 back in your monthly budget.
When you buy in Utah, expect about $6K in closing costs (1.3% of purchase price). Utah has no transfer tax, which helps keep your upfront costs lower. Budget for this amount on top of your down payment.
Utah's UHC FirstHome Loan offers Up to 6% DPA second. If you haven't owned a home in three years (or are buying in Utah for the first time), you may qualify. Check eligibility requirements and income limits on Utah's housing finance agency website.