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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

West Point, UT Housing Affordability Index

West Point, Utah has an MBR Housing Affordability Index score of 101.9 (Near National Average) as of October 30, 2026, ranking 118th most affordable of 253 scored Utah cities, compared with 90.8 statewide and 97.4 nationally. On a median-priced $491,100 home with 20% down, the Utah average 30-year fixed rate of 7.16% means a monthly principal and interest payment of about $2,657, or 26% of the city’s $120,687 median household income.

The MBR Housing Affordability Index (MBR-HAI) for West Point 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.

West Point MBR-HAI 101.9 Near National Average
Rank in Utah 118 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 $491,100 U.S. Census Bureau

West Point is 11.1 points above the Utah score. Scores as of October 30, 2026. See the Utah index

View West Point Mortgage Rates

What It Takes to Buy in West Point

$2,657/mo
Principal & Interest
Median home, 20% down, 7.16%
$113,900
Income Needed
To keep the payment at 28% of income
$120,687
Median Household Income
Utah: $95,166
4.1x
Price-to-Income Ratio
Utah: 5.1x
$1,711/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$2,522/yr
Median Property Tax
0.51% of median value
19.2%
Owner Cost Burden
Owners spending 30%+ of income on housing
42.7%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the West Point Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. West Point, Utah score: 101.9 (Near National Average), ranked 118 of 253 Utah cities. monitorbankrates.com/housing-affordability-index/utah/west-point”