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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

Santa Clara, UT Housing Affordability Index

Santa Clara, Utah has an MBR Housing Affordability Index score of 86.8 (Moderately Less Affordable) as of October 30, 2026, ranking 210th most affordable of 253 scored Utah cities, compared with 90.8 statewide and 97.4 nationally. On a median-priced $558,100 home with 20% down, the Utah average 30-year fixed rate of 7.16% means a monthly principal and interest payment of about $3,019, or 38% of the city’s $96,475 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Santa Clara 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.

Santa Clara MBR-HAI 86.8 Moderately Less Affordable
Rank in Utah 210 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 $558,100 U.S. Census Bureau

Santa Clara is 3.9 points below the Utah score. Scores as of October 30, 2026. See the Utah index

View Santa Clara Mortgage Rates

What It Takes to Buy in Santa Clara

$3,019/mo
Principal & Interest
Median home, 20% down, 7.16%
$129,400
Income Needed
To keep the payment at 28% of income
$96,475
Median Household Income
Utah: $95,166
5.8x
Price-to-Income Ratio
Utah: 5.1x
$1,480/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$2,158/yr
Median Property Tax
0.39% of median value
20.6%
Owner Cost Burden
Owners spending 30%+ of income on housing
70.1%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Santa Clara Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Santa Clara, Utah score: 86.8 (Moderately Less Affordable), ranked 210 of 253 Utah cities. monitorbankrates.com/housing-affordability-index/utah/santa-clara”