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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

South Willard, UT Housing Affordability Index

South Willard, Utah has an MBR Housing Affordability Index score of 114.3 (More Affordable Than Average) as of October 30, 2026, ranking 69th most affordable of 253 scored Utah cities, compared with 90.8 statewide and 97.4 nationally. On a median-priced $583,000 home with 20% down, the Utah average 30-year fixed rate of 7.16% means a monthly principal and interest payment of about $3,154, or 32% of the city’s $119,327 median household income.

The MBR Housing Affordability Index (MBR-HAI) for South Willard 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.

South Willard MBR-HAI 114.3 More Affordable Than Average
Rank in Utah 69 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 $583,000 U.S. Census Bureau

South Willard is 23.5 points above the Utah score. Scores as of October 30, 2026. See the Utah index

View South Willard Mortgage Rates

See What You Can Afford in South Willard, Utah

Use this South Willard, 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 South Willard median income of $119,327, with no other debts and $117,000 down, can afford a home of about $468,647, compared with a median home value of $583,000. Buying the median priced home with 20% down takes a household income of about $156,800 once property tax and insurance are counted.

South Willard median (Census)
Car, student loan, card minimums
Under 20% adds PMI
Utah average, 30-year fixed
South Willard median bill (Census)
Estimate; use your quote
You can afford a home up to
$468,647
Below the South Willard median home value of $583,000
Loan amount$351,647
Principal & interest$2,378/mo
Property tax$211/mo
Home insurance$195/mo
PMI$0/mo
Total monthly payment$2,784/mo
Compare South Willard Mortgage Rates

How much house can you afford in South Willard?

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 South Willard, property taxes run about 0.54% 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 $7,656 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 South Willard

$3,154/mo
Principal & Interest
Median home, 20% down, 7.16%
$135,200
Income Needed
To keep principal and interest at 28% of income
$119,327
Median Household Income
Utah: $95,166
4.9x
Price-to-Income Ratio
Utah: 5.1x
$1,770/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$3,167/yr
Median Property Tax
0.54% of median value
6.6%
Owner Cost Burden
Owners spending 30%+ of income on housing
16.7%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the South Willard Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. South Willard, Utah score: 114.3 (More Affordable Than Average), ranked 69 of 253 Utah cities. monitorbankrates.com/housing-affordability-index/utah/south-willard”