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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 Valley, UT Housing Affordability Index

Central Valley, Utah has an MBR Housing Affordability Index score of 112.1 (More Affordable Than Average) as of October 30, 2026, ranking 74th most affordable of 253 scored Utah cities, compared with 90.8 statewide and 97.4 nationally. On a median-priced $347,800 home with 20% down, the Utah average 30-year fixed rate of 7.16% means a monthly principal and interest payment of about $1,882, or 24% of the city’s $93,333 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Central Valley 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 Valley MBR-HAI 112.1 More Affordable Than Average
Rank in Utah 74 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 $347,800 U.S. Census Bureau

Central Valley is 21.3 points above the Utah score. Scores as of October 30, 2026. See the Utah index

View Central Valley Mortgage Rates

What It Takes to Buy in Central Valley

$1,882/mo
Principal & Interest
Median home, 20% down, 7.16%
$80,600
Income Needed
To keep the payment at 28% of income
$93,333
Median Household Income
Utah: $95,166
3.7x
Price-to-Income Ratio
Utah: 5.1x
$1,452/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,804/yr
Median Property Tax
0.52% of median value
12.9%
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 Valley, Utah. The rate is the Utah average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.

Cite the Central Valley Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Central Valley, Utah score: 112.1 (More Affordable Than Average), ranked 74 of 253 Utah cities. monitorbankrates.com/housing-affordability-index/utah/central-valley”