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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

Ephraim, UT Housing Affordability Index

Ephraim, Utah has an MBR Housing Affordability Index score of 82.2 (Moderately Less Affordable) as of October 30, 2026, ranking 235th most affordable of 253 scored Utah cities, compared with 90.8 statewide and 97.4 nationally. On a median-priced $423,700 home with 20% down, the Utah average 30-year fixed rate of 7.16% means a monthly principal and interest payment of about $2,292, or 41% of the city’s $66,541 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Ephraim 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.

Ephraim MBR-HAI 82.2 Moderately Less Affordable
Rank in Utah 235 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 $423,700 U.S. Census Bureau

Ephraim is 8.5 points below the Utah score. Scores as of October 30, 2026. See the Utah index

View Ephraim Mortgage Rates

What It Takes to Buy in Ephraim

$2,292/mo
Principal & Interest
Median home, 20% down, 7.16%
$98,200
Income Needed
To keep the payment at 28% of income
$66,541
Median Household Income
Utah: $95,166
6.4x
Price-to-Income Ratio
Utah: 5.1x
$1,410/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$2,007/yr
Median Property Tax
0.47% of median value
31.1%
Owner Cost Burden
Owners spending 30%+ of income on housing
35.3%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Ephraim Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Ephraim, Utah score: 82.2 (Moderately Less Affordable), ranked 235 of 253 Utah cities. monitorbankrates.com/housing-affordability-index/utah/ephraim”