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New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report

Central, UT Housing Affordability Index

Central, Utah has an MBR Housing Affordability Index score of 147.6 (Highly Affordable) as of October 30, 2026, ranking 18th most affordable of 253 scored Utah cities, compared with 90.8 statewide and 97.4 nationally. On a median-priced $368,800 home with 20% down, the Utah average 30-year fixed rate of 7.16% means a monthly principal and interest payment of about $1,995, or 21% of the city’s $115,486 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Central is updated every night from live Utah mortgage rates and U.S. Census Bureau income, home value and housing cost data for the city. A score of 100 equals the national average; higher scores mean homeownership is more affordable.

Central MBR-HAI 147.6 Highly Affordable
Rank in Utah 18 of 253 1 = most affordable
Utah 90.8 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.16% Utah lenders
Median home value $368,800 U.S. Census Bureau

Central is 56.8 points above the Utah score. Scores as of October 30, 2026. See the Utah index

View Central Mortgage Rates

What It Takes to Buy in Central

$1,995/mo
Principal & Interest
Median home, 20% down, 7.16%
$85,500
Income Needed
To keep the payment at 28% of income
$115,486
Median Household Income
Utah: $95,166
3.2x
Price-to-Income Ratio
Utah: 5.1x
$556/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,296/yr
Median Property Tax
0.35% of median value
50.0%
Owner Cost Burden
Owners spending 30%+ of income on housing
45.7%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Central, Utah. The rate is the Utah average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.

Cite the Central Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Central, Utah score: 147.6 (Highly Affordable), ranked 18 of 253 Utah cities. monitorbankrates.com/housing-affordability-index/utah/central”