Mortgage Calculator & Closing Costs: St. George, UT
Mortgage payment estimates, closing cost breakdowns, and homebuying data for St. George, Utah.
Median Home Price
$495K
Population
95K
Avg Monthly Rent
$1,520
Property Tax Rate
0.58% *
* Property tax shown is the Utah state average effective rate. Actual rates vary by county, city, and school district — check with your local assessor for exact rates in St. George.
St. George vs Utah Median
The median home price in St. George is $495,000, which is roughly in line with the Utah state median of $480,000.
Mortgage Calculator — St. George, UT
Pre-filled with St. George median home price and Utah tax/insurance rates. Adjust for your property.
Three down payment scenarios for a $495K home using Utah's 0.58% tax rate and $1,200/yr insurance.
5% Down
$3,586/mo
Down: $24,750
Loan: $470K
P&I: $2,972
Tax: $239
Insurance: $100
PMI: $274
10% Down
$3,415/mo
Down: $49,500
Loan: $446K
P&I: $2,816
Tax: $239
Insurance: $100
PMI: $260
20% Down (No PMI)
$2,842/mo
Down: $99,000
Loan: $396K
P&I: $2,503
Tax: $239
Insurance: $100
Income needed (28% rule): $122K/year with 20% down, $146K/year with 10% down.
Rent vs Buy in St. George
Rent
$1,520/mo
vs
Buy (10% down)
$3,415/mo
Price-to-rent ratio: 27.1 — At a ratio above 20, renting may be more economical in St. George for shorter stays. Buying costs $1,895 more per month than renting, and it typically takes 5-7 years to break even on the transaction costs of buying.
The median home price in St. George is $495,000, roughly in line with the Utah state median of $480,000. With a population of 95,342, St. George is a smaller market where home prices reflect strong demand and local economic factors.
Property taxes in Utah average 0.58% annually. This low property tax rate is a significant advantage for St. George buyers, keeping your monthly costs well below what you'd pay in higher-tax states. Homeowners insurance in Utah runs approximately $1,200 per year. This is within the normal range nationally.
Average rent in St. George is $1,520/month. With a price-to-rent ratio above 20, renting could be more economical in the short term — use our Rent vs Buy calculator to model your specific timeline.
St. George is a higher-cost market. At $495K median, buyers need significant savings or strong income. Down payment assistance through Utah's UHC FirstHome Loan program becomes especially important.
Run a Rent vs Buy analysis
Compare total costs of renting vs buying in St. George.