The 20 most affordable cities in Utah to buy a house

Homeownership is fundamental to the American dream. It offers wealth, security, community, and countless other benefits. Yet for many Utah residents, the dream feels increasingly out of reach—even as incomes rise and mortgage rates fall. Near-record prices have made homes hard to come by and often even harder to afford, leaving buyers and sellers stuck and younger generations priced out.

But affordable pockets still exist. In cities across the state, residents can comfortably spend around 30% of their income or less on housing, which is widely considered the affordable threshold.

To find out where these cities are, Redfin Real Estate ranked the most affordable cities in Utah, based on their local payment to income ratios. All data is an average for the January-October 2025 period. To see the most affordable cities in the country, read this recent Redfin article.

#1. Syracuse, Utah
- Payment to income ratio: 33.6%
- Median sale price: $581,489
- Median household income: $132,459
- Income needed to buy: $148,491
- Median monthly mortgage payment: $3,712
- See homes for sale in Syracuse on Redfin.com

#2. Roy, Utah
- Payment to income ratio: 36.6%
- Median sale price: $435,858
- Median household income: $91,112
- Income needed to buy: $111,302
- Median monthly mortgage payment: $2,783
- See homes for sale in Roy on Redfin.com

#3. Eagle Mountain, Utah
- Payment to income ratio: 37.8%
- Median sale price: $521,292
- Median household income: $105,576
- Income needed to buy: $133,118
- Median monthly mortgage payment: $3,328
- See homes for sale in Eagle Mountain on Redfin.com

#4. Tooele, Utah
- Payment to income ratio: 38.3%
- Median sale price: $444,958
- Median household income: $88,893
- Income needed to buy: $113,626
- Median monthly mortgage payment: $2,841
- See homes for sale in Tooele on Redfin.com

#5. Kearns, Utah
- Payment to income ratio: 39.2%
- Median sale price: $426,065
- Median household income: $83,355
- Income needed to buy: $108,801
- Median monthly mortgage payment: $2,720
- See homes for sale in Kearns on Redfin.com

#6. Kaysville, Utah
- Payment to income ratio: 39.5%
- Median sale price: $665,612
- Median household income: $128,996
- Income needed to buy: $169,973
- Median monthly mortgage payment: $4,249
- See homes for sale in Kaysville on Redfin.com

#7. Saratoga Springs, Utah
- Payment to income ratio: 40.5%
- Median sale price: $653,010
- Median household income: $123,619
- Income needed to buy: $166,755
- Median monthly mortgage payment: $4,169
- See homes for sale in Saratoga Springs on Redfin.com

#8. West Valley City, Utah
- Payment to income ratio: 40.7%
- Median sale price: $470,510
- Median household income: $88,604
- Income needed to buy: $120,151
- Median monthly mortgage payment: $3,004
- See homes for sale in West Valley City on Redfin.com

#9. Lehi, Utah
- Payment to income ratio: 41.0%
- Median sale price: $674,393
- Median household income: $125,860
- Income needed to buy: $172,215
- Median monthly mortgage payment: $4,305
- See homes for sale in Lehi on Redfin.com

#10. West Jordan, Utah
- Payment to income ratio: 41.2%
- Median sale price: $559,759
- Median household income: $103,960
- Income needed to buy: $142,942
- Median monthly mortgage payment: $3,574
- See homes for sale in West Jordan on Redfin.com

#11. Magna, Utah
- Payment to income ratio: 41.8%
- Median sale price: $477,176
- Median household income: $87,516
- Income needed to buy: $121,853
- Median monthly mortgage payment: $3,046
- See homes for sale in Magna on Redfin.com

#12. Ogden, Utah
- Payment to income ratio: 42.4%
- Median sale price: $388,101
- Median household income: $70,053
- Income needed to buy: $99,107
- Median monthly mortgage payment: $2,478
- See homes for sale in Ogden on Redfin.com

#13. Layton, Utah
- Payment to income ratio: 42.5%
- Median sale price: $550,420
- Median household income: $99,188
- Income needed to buy: $140,557
- Median monthly mortgage payment: $3,514
- See homes for sale in Layton on Redfin.com

#14. Clearfield, Utah
- Payment to income ratio: 43.7%
- Median sale price: $430,637
- Median household income: $75,429
- Income needed to buy: $109,969
- Median monthly mortgage payment: $2,749
- See homes for sale in Clearfield on Redfin.com

#15. South Jordan, Utah
- Payment to income ratio: 43.8%
- Median sale price: $722,258
- Median household income: $126,400
- Income needed to buy: $184,438
- Median monthly mortgage payment: $4,611
- See homes for sale in South Jordan on Redfin.com

#16. Riverton, Utah
- Payment to income ratio: 43.9%
- Median sale price: $682,962
- Median household income: $119,093
- Income needed to buy: $174,403
- Median monthly mortgage payment: $4,360
- See homes for sale in Riverton on Redfin.com

#17. Spanish Fork, Utah
- Payment to income ratio: 44.5%
- Median sale price: $571,547
- Median household income: $98,497
- Income needed to buy: $145,952
- Median monthly mortgage payment: $3,649
- See homes for sale in Spanish Fork on Redfin.com

#18. Herriman, Utah
- Payment to income ratio: 44.8%
- Median sale price: $692,388
- Median household income: $118,446
- Income needed to buy: $176,810
- Median monthly mortgage payment: $4,420
- See homes for sale in Herriman on Redfin.com

#19. Bountiful, Utah
- Payment to income ratio: 44.8%
- Median sale price: $606,609
- Median household income: $103,723
- Income needed to buy: $154,905
- Median monthly mortgage payment: $3,873
- See homes for sale in Bountiful on Redfin.com

#20. Taylorsville, Utah
- Payment to income ratio: 45.5%
- Median sale price: $508,368
- Median household income: $85,608
- Income needed to buy: $129,818
- Median monthly mortgage payment: $3,245
- See homes for sale in Taylorsville on Redfin.com