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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

Park City, UT Housing Affordability Index

Park City, Utah has an MBR Housing Affordability Index score of 57.7 (Significantly Less Affordable) as of October 30, 2026, ranking 253rd most affordable of 253 scored Utah cities, compared with 90.8 statewide and 97.4 nationally. On a median-priced $1,757,800 home with 20% down, a jumbo loan at 7.41% means a monthly principal and interest payment of about $9,749, or 88% of the city’s $133,558 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Park City 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.

Park City MBR-HAI 57.7 Significantly Less Affordable
Rank in Utah 253 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 $1,757,800 U.S. Census Bureau

Park City is 33.0 points below the Utah score. Scores as of October 30, 2026. See the Utah index

View Park City Mortgage Rates

What It Takes to Buy in Park City

$9,749/mo
Principal & Interest
Median home, 20% down, 7.41% jumbo
$417,800
Income Needed
To keep the payment at 28% of income
$133,558
Median Household Income
Utah: $95,166
13.2x
Price-to-Income Ratio
Utah: 5.1x
$2,592/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$4,554/yr
Median Property Tax
0.26% of median value
37.6%
Owner Cost Burden
Owners spending 30%+ of income on housing
44.2%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Park City, Utah. The rate is the Utah average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state. A 20% down loan on the median home here is above the $1,150,000 conforming limit, so the index adds 0.25% for jumbo pricing.

How Park City Ranks in Utah

Cities with similar scores
#250Moab74.8 #251Eden73.7 #252Hideout60.9
#253Park City57.7
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Cite the Park City Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Park City, Utah score: 57.7 (Significantly Less Affordable), ranked 253 of 253 Utah cities. monitorbankrates.com/housing-affordability-index/utah/park-city”