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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

Mona, UT Housing Affordability Index

Mona, Utah has an MBR Housing Affordability Index score of 103.2 (Near National Average) as of October 30, 2026, ranking 113th most affordable of 253 scored Utah cities, compared with 90.8 statewide and 97.4 nationally. On a median-priced $483,700 home with 20% down, the Utah average 30-year fixed rate of 7.16% means a monthly principal and interest payment of about $2,617, or 27% of the city’s $115,179 median household income.

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

Mona MBR-HAI 103.2 Near National Average
Rank in Utah 113 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 $483,700 U.S. Census Bureau

Mona is 12.5 points above the Utah score. Scores as of October 30, 2026. See the Utah index

View Mona Mortgage Rates

What It Takes to Buy in Mona

$2,617/mo
Principal & Interest
Median home, 20% down, 7.16%
$112,200
Income Needed
To keep the payment at 28% of income
$115,179
Median Household Income
Utah: $95,166
4.2x
Price-to-Income Ratio
Utah: 5.1x
$1,434/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$2,142/yr
Median Property Tax
0.44% of median value
21.7%
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 Mona, Utah. The rate is the Utah average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.

Cite the Mona Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Mona, Utah score: 103.2 (Near National Average), ranked 113 of 253 Utah cities. monitorbankrates.com/housing-affordability-index/utah/mona”