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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

Fruit Heights, UT Housing Affordability Index

Fruit Heights, Utah has an MBR Housing Affordability Index score of 95.6 (Near National Average) as of October 30, 2026, ranking 162nd most affordable of 253 scored Utah cities, compared with 90.8 statewide and 97.4 nationally. On a median-priced $667,700 home with 20% down, the Utah average 30-year fixed rate of 7.16% means a monthly principal and interest payment of about $3,612, or 31% of the city’s $140,679 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Fruit Heights 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.

Fruit Heights MBR-HAI 95.6 Near National Average
Rank in Utah 162 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 $667,700 U.S. Census Bureau

Fruit Heights is 4.9 points above the Utah score. Scores as of October 30, 2026. See the Utah index

View Fruit Heights Mortgage Rates

See What You Can Afford in Fruit Heights, Utah

Use this Fruit Heights, Utah home affordability calculator to see how much house you can afford at today’s Utah average 30-year mortgage rate of 7.16%. A household earning the Fruit Heights median income of $140,679, with no other debts and $134,000 down, can afford a home of about $550,218, compared with a median home value of $667,700. Buying the median priced home with 20% down takes a household income of about $179,100 once property tax and insurance are counted.

Fruit Heights median (Census)
Car, student loan, card minimums
Under 20% adds PMI
Utah average, 30-year fixed
Fruit Heights median bill (Census)
Estimate; use your quote
You can afford a home up to
$550,218
Below the Fruit Heights median home value of $667,700
Loan amount$416,218
Principal & interest$2,815/mo
Property tax$238/mo
Home insurance$229/mo
PMI$0/mo
Total monthly payment$3,283/mo
Compare Fruit Heights Mortgage Rates

How much house can you afford in Fruit Heights?

Most lenders use two limits. Your housing payment, including principal, interest, property tax, homeowners insurance and any PMI, should stay under about 28% of your gross monthly income, and all of your monthly debt payments together should stay under about 36%. The calculator takes whichever limit is lower, then works backward from that payment to the most expensive home it covers at the current rate.

In Fruit Heights, property taxes run about 0.52% of a home’s value each year, based on the Census median tax bill, which counts against the same monthly budget as the mortgage. Each quarter point move in mortgage rates changes the price you can afford by roughly $9,082 for a median income household. A larger down payment, paying down other debts, or a lower rate from a local lender all raise your budget.

What It Takes to Buy in Fruit Heights

$3,612/mo
Principal & Interest
Median home, 20% down, 7.16%
$154,800
Income Needed
To keep principal and interest at 28% of income
$140,679
Median Household Income
Utah: $95,166
4.7x
Price-to-Income Ratio
Utah: 5.1x
$1,830/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$3,440/yr
Median Property Tax
0.52% of median value
16.8%
Owner Cost Burden
Owners spending 30%+ of income on housing
38.8%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Fruit Heights Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Fruit Heights, Utah score: 95.6 (Near National Average), ranked 162 of 253 Utah cities. monitorbankrates.com/housing-affordability-index/utah/fruit-heights”