St George, Utah Mortgage Rates - September 2026
Brian McKay
Brian McKay
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Current 30-year fixed mortgage rates in St George, Utah range from 6.75% to 7.62% across the five lenders featured below, verified by MonitorBankRates as of September 28, 2026. Those offers are Deseret First Federal Credit UnionDeseret First Federal Credit Union616 S River Rd, St George, UT, 84790 2104A5.0 ★Texas Ratio: 6.76% at 6.75%, Wells FargoWells Fargo1 S Main St, St George, UT, 84770A5.0 ★Texas Ratio: 6.32% at 6.75%, America First Federal Credit UnionAmerica First Federal Credit Union1189 E 700 S, St George, UT, 84770 7283A5.0 ★Texas Ratio: 8.33% at 7.25%, State Bank of Southern UtahState Bank of Southern Utah395 E Saint George Blvd, St George, UT, 84770A+5.0 ★Texas Ratio: 2.87% at 7.38%, and Security Service Federal Credit UnionSecurity Service Federal Credit Union1227 E 100 S, St George, UT, 84790A5.0 ★Texas Ratio: 6.91% at 7.62%. Mortgage rates as of September 28, 2026 according to verified data from MonitorBankRates.
St George borrowers can compare 103 mortgage rates from 14 lenders serving the Utah area, including 6 local, with rates as low as 5.88% from Utah First Federal Credit Union at 2111 E Riverside Dr, St George, UT, 84790. Use the tabs below to compare all available loan types and terms. Rates are continually updated, so we recommend checking back frequently.
Mortgage Rates reflect actual verified offers from lenders actively lending to Utah borrowers. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: September 28, 2026
Compare Mortgage Rates Today in St George, Utah & the Surrounding Area
St George 30 Year Fixed Mortgage Rates
No additional details available.
These rates are based on a home in Austin, TX with a purchase price of $400,000 and a down payment of $80,000 . Your actual rate, payment and costs could be higher. Get an official Loan Estimate before choosing a loan.
- Sep 27, 20267.00%▲ from 6.86%
- Sep 24, 20266.86%▲ from 6.71%
- Sep 18, 20266.71%first recorded
No additional details available.
No additional details available.
- Sep 25, 20267.35%▲ from 7.03%
- Sep 21, 20267.03%▲ from 7.01%
- Sep 14, 20267.01%first recorded
These rates are based on a home in Austin, TX with a purchase price of $400,000 and a down payment of $80,000 . Your actual rate, payment and costs could be higher. Get an official Loan Estimate before choosing a loan.
- Sep 27, 20267.38%▲ from 7.25%
- Sep 24, 20267.25%▲ from 7.00%
- Sep 18, 20267.00%first recorded
No additional details available.
As Low As
- Sep 27, 20267.53%▲ from 7.40%
- Sep 24, 20267.40%▲ from 7.28%
- Sep 18, 20267.28%▲ from 7.28%
- Sep 15, 20267.28%first recorded
No additional details available.
- Sep 25, 20267.68%▲ from 7.30%
- Sep 17, 20267.30%▲ from 6.92%
- Sep 14, 20266.92%first recorded
No additional details available.
- Sep 25, 20267.71%▲ from 7.33%
- Sep 17, 20267.33%▲ from 6.95%
- Sep 14, 20266.95%first recorded
Understanding Mortgage Rates in a Changing Economy September 22, 2025
No additional details available.
- Sep 25, 20267.04%▲ from 6.79%
- Sep 21, 20266.79%▲ from 6.66%
- Sep 17, 20266.66%first recorded
Lock in peace of mind for the long haul. A 30-year mortgage means lower monthly payments and lasting security. As low as
- Sep 27, 20267.13%▲ from 7.00%
- Sep 22, 20267.00%▲ from 6.88%
- Sep 14, 20266.88%first recorded
No additional details available.
- Sep 25, 20267.22%▲ from 6.97%
- Sep 14, 20266.97%first recorded
Rates are as of 9/25/2026 and are subject to change. Annual Percentage Rate based on $400,000 loan and 20% minimum equity.
- Sep 26, 20267.22%▲ from 6.97%
- Sep 18, 20266.97%first recorded
The information provided is for a 30-year fixed mortgage and assumes the purpose of the loan is to purchase a property, with a loan amount of $337,500.00 and an estimated property value of $450,000.00. The property is located in UT and is within Salt Lake County. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 30 days and the assumed credit score is 740. At a 7.125% interest rate, the fixed APR for this loan type is 7.263%. The monthly payment would be: 359 payments of $2,273.80 at an interest rate of 7.125% 1 payment of $2,274.12 at an interest rate of 7.125%. The monthly payment amount displayed includes principal and interest. The payment amount does not include homeowner's insurance or property taxes which must be paid in addition to your loan payment. Actual APR based on creditworthiness.
- Sep 25, 20267.26%▲ from 7.01%
- Sep 21, 20267.01%▲ from 6.89%
- Sep 14, 20266.89%first recorded
No additional details available.
- Sep 25, 20267.32%▲ from 6.95%
- Sep 21, 20266.95%▲ from 6.92%
- Sep 17, 20266.92%▼ from 6.93%
- Sep 14, 20266.93%first recorded
Payment: 1,616.92 *
No additional details available.
- Sep 25, 20267.47%▲ from 7.07%
- Sep 21, 20267.07%▼ from 7.09%
- Sep 17, 20267.09%▲ from 6.98%
- Sep 14, 20266.98%first recorded
No additional details available.
- Sep 25, 20267.53%▲ from 7.12%
- Sep 21, 20267.12%▲ from 6.99%
- Sep 14, 20266.99%first recorded
30-Year Amortized Fixed-Rate Second Mortgage with 15-Year Balloon; The information provided is for a 30-year amortized fixed-rate second mortgage loan with a 15-year balloon and assumes the purpose of the loan is to obtain cash out on an existing property, with a loan amount of $135,000.00, an existing first mortgage of $225,000.00 and an estimated property value of $450,000.00. The property is located in UT and is within Salt Lake County. The property is an existing single family home and will be used as a primary residence. The rate lock period is 60 days and the assumed credit score is 740 or above. At a 8.625% interest rate, the fixed APR for this loan type is 8.848%. The monthly payment would be: 179 payments of $1,050.02 at an interest rate of 8.625%; 1 balloon payment of $106,888.31. The monthly payment amount displayed includes principal and interest. Actual APR based on creditworthiness.
- Sep 25, 20268.85%▲ from 8.72%
- Sep 21, 20268.72%▲ from 8.60%
- Sep 14, 20268.60%first recorded
St George 15 Year Fixed Mortgage Rates
No additional details available.
No additional details available.
- Sep 25, 20266.84%▲ from 6.59%
- Sep 21, 20266.59%▲ from 6.48%
- Sep 17, 20266.48%▲ from 6.44%
- Sep 14, 20266.44%first recorded
These rates are based on a home in Austin, TX with a purchase price of $400,000 and a down payment of $80,000 . Your actual rate, payment and costs could be higher. Get an official Loan Estimate before choosing a loan.
- Sep 27, 20266.88%▲ from 6.86%
- Sep 24, 20266.86%▲ from 6.61%
- Sep 18, 20266.61%first recorded
No additional details available.
No additional details available.
- Sep 25, 20267.21%▲ from 6.83%
- Sep 17, 20266.83%▲ from 6.45%
- Sep 14, 20266.45%first recorded
No additional details available.
- Sep 25, 20267.25%▲ from 6.87%
- Sep 17, 20266.87%▲ from 6.49%
- Sep 14, 20266.49%first recorded
As Low As
- Sep 27, 20267.26%▲ from 7.02%
- Sep 24, 20267.02%▲ from 7.00%
- Sep 18, 20267.00%▲ from 6.89%
- Sep 15, 20266.89%first recorded
No additional details available.
Get peace of mind with predictable monthly payments. Both traditional and short-term options available. As low as
- Sep 27, 20266.50%▲ from 6.25%
- Sep 18, 20266.25%▲ from 6.13%
- Sep 14, 20266.13%first recorded
15-Yr Fixed - 1st Mortgage
The information provided is for a 15-year fixed mortgage and assumes the purpose of the loan is to purchase a property, with a loan amount of $337,500.00 and an estimated property value of $450,000.00. The property is located in UT and is within Salt Lake County. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 30 days and the assumed credit score is 740. At a 6.375% interest rate, the fixed APR for this loan type is 6.593%. The monthly payment would be: 179 payments of $2,916.84 at an interest rate of 6.375% 1 payment of $2,918.43 at an interest rate of 6.375%. The monthly payment amount displayed includes principal and interest. The payment amount does not include homeowner's insurance or property taxes which must be paid in addition to your loan payment. Actual APR based on creditworthiness.
- Sep 25, 20266.59%▲ from 6.47%
- Sep 21, 20266.47%▲ from 6.34%
- Sep 17, 20266.34%first recorded
Rates are as of 9/25/2026 and are subject to change. Annual Percentage Rate based on $400,000 loan and 20% minimum equity.
- Sep 26, 20266.66%▲ from 6.53%
- Sep 22, 20266.53%▲ from 6.41%
- Sep 18, 20266.41%first recorded
No additional details available.
Rate example based on $400,000 loan amount, with a 25% down payment.
- Sep 25, 20266.70%▲ from 6.51%
- Sep 21, 20266.51%▲ from 6.32%
- Sep 17, 20266.32%▼ from 6.39%
- Sep 14, 20266.39%first recorded
No additional details available.
- Sep 25, 20266.70%▲ from 6.51%
- Sep 21, 20266.51%▲ from 6.32%
- Sep 17, 20266.32%▼ from 6.39%
- Sep 14, 20266.39%first recorded
Payment: 2,090.66 *
No additional details available.
- Sep 25, 20267.03%▲ from 6.65%
- Sep 17, 20266.65%▲ from 6.53%
- Sep 14, 20266.53%first recorded
Rates are as of 9/25/2026 and are subject to change. Annual Percentage Rate based on $400,000 loan and 20% minimum equity.
- Sep 26, 20267.10%▲ from 6.85%
- Sep 18, 20266.85%first recorded
No additional details available.
- Sep 25, 20267.12%▲ from 6.75%
- Sep 21, 20266.75%▲ from 6.37%
- Sep 14, 20266.37%first recorded
No additional details available.
- Sep 25, 20267.65%▲ from 7.33%
- Sep 21, 20267.33%▲ from 7.20%
- Sep 17, 20267.20%▲ from 7.07%
- Sep 14, 20267.07%first recorded
15-Yr Fixed - 2nd Mortgage
15-year Fixed-Rate Second Mortgage; The information provided is for a 15 year fixed-rate second mortgage and assumes the purpose of the loan is to obtain cash on an existing property, with a loan amount of $135,000.00, an existing first mortgage of $225,000.00 and an estimated property value of $450,000.00. The property is located in UT and is within Salt Lake County. The property is an existing single family home and will be used as a primary residence. The rate lock period is 60 days and the assumed credit score is 740. At a 8.375% interest rate, the fixed APR for this loan type is 8.668%. The monthly payment would be: 179 payments of $1,319.53 at an interest rate of 8.375%; 1 payment of $1,317.83 at an interest rate of 8.375%. The monthly payment amount displayed includes principal and interest. Actual APR based on creditworthiness.
- Sep 25, 20268.67%▲ from 8.54%
- Sep 21, 20268.54%▲ from 8.42%
- Sep 14, 20268.42%first recorded
St George 5/1 ARM Mortgage Rates
No additional details available.
No additional details available.
No additional details available.
- Sep 25, 20266.80%▲ from 6.43%
- Sep 14, 20266.43%first recorded
Enjoy a low initial rate that adjusts with the market. Various terms and options available. As low as
- Sep 18, 20265.63%▲ from 5.50%
- Sep 14, 20265.50%first recorded
Term: 5/6 ARM 30-Year Variable
- Sep 25, 20266.74%▲ from 6.57%
- Sep 18, 20266.57%first recorded
Payment: 1,381.58 *
St George 30-Year Jumbo Mortgage Rates
No additional details available.
- Sep 25, 20266.66%▲ from 6.29%
- Sep 17, 20266.29%▲ from 6.25%
- Sep 14, 20266.25%first recorded
No additional details available.
- Sep 25, 20267.08%▲ from 6.70%
- Sep 17, 20266.70%▲ from 6.33%
- Sep 14, 20266.33%first recorded
No additional details available.
No additional details available.
- Sep 25, 20267.55%▲ from 7.17%
- Sep 17, 20267.17%▲ from 6.80%
- Sep 14, 20266.80%first recorded
No additional details available.
- Sep 25, 20267.67%▲ from 7.29%
- Sep 17, 20267.29%▲ from 6.91%
- Sep 14, 20266.91%first recorded
Term: 7/6 ARM Jumbo 30-Year Variable
- Sep 25, 20266.74%▲ from 6.55%
- Sep 18, 20266.55%first recorded
Finance higher-priced homes without a large down payment or multiple mortgages. As low as
- Sep 18, 20266.88%▲ from 6.63%
- Sep 14, 20266.63%first recorded
Payment: 5,298.14 **
Additional APR listed for this product: 7.155%. ARM rates, APRs and monthly payments are subject to increase after the initial fixed-rate period of five, seven, or 10 years and assume a 30-year term.
No additional details available.
- Sep 25, 20267.18%▲ from 6.93%
- Sep 14, 20266.93%first recorded
Additional APR listed for this product: 7.295%. ARM rates, APRs and monthly payments are subject to increase after the initial fixed-rate period of five, seven, or 10 years and assume a 30-year term.
- Sep 27, 20267.28%▲ from 7.16%
- Sep 18, 20267.16%first recorded
The information provided is for a 30-year jumbo mortgage and assumes the purpose of the loan is to purchase a property, with a loan amount of $960,000.00 and an estimated property value of $1,200,000.00. The property is located in Utah and is within Salt Lake County. The property is an existing single-family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 30 days and the assumed credit score is 740. At a 7.375% interest rate, the fixed APR for this loan type is 7.490%. The monthly payment would be: 359 payments of $6,630.48 at an interest rate of 7.375% 1 payment of $6,632.35 at an interest rate of 7.375%. The monthly payment amount displayed includes principal and interest. The payment does not include homeowner's insurance or property taxes which must be paid in addition to your loan payment. Actual APR based on creditworthiness.
- Sep 25, 20267.49%▲ from 7.11%
- Sep 21, 20267.11%▲ from 6.86%
- Sep 17, 20266.86%▼ from 7.24%
- Sep 14, 20267.24%first recorded
No additional details available.
No additional details available.
St George 15-Year Jumbo Mortgage Rates
No additional details available.
- Sep 25, 20267.19%▲ from 6.81%
- Sep 17, 20266.81%▲ from 6.43%
- Sep 14, 20266.43%first recorded
The information provided is for a 15-year jumbo mortgage and assumes the purpose of the loan is to purchase a property, with a loan amount of $960,000.00 and an estimated property value of $1,200,000.00. The property is located in Utah and is within Salt Lake County. The property is an existing single-family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 30 days and the assumed credit score is 740. At a 7.000% interest rate, the fixed APR for this loan type is 7.183%. The monthly payment would be: 179 payments of $8,628.75 at an interest rate of 7.000% 1 payment of $8,629.24 at an interest rate of 7.000%. The monthly payment amount displayed includes principal and interest. The payment does not include homeowner's insurance or property taxes which must be paid in addition to your loan payment. Actual APR based on creditworthiness.
No additional details available.
- Sep 25, 20267.34%▲ from 6.96%
- Sep 17, 20266.96%▲ from 6.83%
- Sep 14, 20266.83%first recorded
No additional details available.
St George 5/1 Jumbo ARM Mortgage Rates
No additional details available.
- Sep 25, 20266.58%▲ from 6.20%
- Sep 17, 20266.20%▲ from 6.18%
- Sep 14, 20266.18%first recorded
Term: 5/6 ARM Jumbo 30-Year Variable
- Sep 25, 20266.70%▲ from 6.53%
- Sep 18, 20266.53%first recorded
No additional details available.
ARM rates, APRs and monthly payments are subject to increase after the initial fixed-rate period of five, seven, or 10 years and assume a 30-year term.
ARM rates, APRs and monthly payments are subject to increase after the initial fixed-rate period of five, seven, or 10 years and assume a 30-year term.
St George FHA Loan Rates
No additional details available.
- Sep 25, 20266.23%▲ from 5.72%
- Sep 14, 20265.72%first recorded
No additional details available.
- Sep 25, 20266.85%▲ from 6.34%
- Sep 14, 20266.34%first recorded
No additional details available.
No additional details available.
As Low As
- Sep 27, 20267.74%▲ from 7.47%
- Sep 24, 20267.47%▲ from 7.38%
- Sep 18, 20267.38%first recorded
As Low As
- Sep 27, 20267.74%▲ from 7.47%
- Sep 24, 20267.47%▲ from 7.38%
- Sep 18, 20267.38%▼ from 7.38%
- Sep 15, 20267.38%first recorded
No additional details available.
As Low As; Utah Housing FHA
- Sep 25, 20267.84%▲ from 7.71%
- Sep 17, 20267.71%▲ from 7.59%
- Sep 14, 20267.59%first recorded
As Low As; FHA 30 Year
- Sep 25, 20267.87%▲ from 7.37%
- Sep 21, 20267.37%▲ from 7.34%
- Sep 14, 20267.34%first recorded
No additional details available.
- Sep 25, 20267.16%▲ from 6.88%
- Sep 21, 20266.88%▲ from 6.76%
- Sep 14, 20266.76%first recorded
The information provided is for a 15-year FHA mortgage and assumes the purpose of the loan is to purchase a property, with a loan amount of $441,849.00 and an estimated property value of $450,000.00. The property is located in Utah and is within Salt Lake County. The property is an existing single-family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 30 days and the assumed credit score is 740. At a 6.500% interest rate, the fixed APR for this loan type is 7.375%. The monthly payment would be: 179 payments of $3,991.06 at an interest rate of 6.500% 1 payment of $3,856.80 at an interest rate of 6.500%. The monthly payment amount displayed includes principal, interest and mortgage insurance. The payment does not include homeowner's insurance or property taxes which must be paid in addition to your loan. Actual APR based on creditworthiness.
- Sep 21, 20267.38%▲ from 7.00%
- Sep 14, 20267.00%first recorded
No additional details available.
- Sep 25, 20267.47%▲ from 7.07%
- Sep 21, 20267.07%▼ from 7.09%
- Sep 17, 20267.09%▲ from 6.98%
- Sep 14, 20266.98%first recorded
The information provided is for a 30-year FHA mortgage and assumes the purpose of the loan is to purchase a property, with a loan amount of $441,849.00 and an estimated property value of $450,000.00. The property is located in Utah and is within Salt Lake County. The property is an existing single-family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 30 days and the assumed credit score is 740. At a 6.750% interest rate, the fixed APR for this loan type is 7.595%. The monthly payment would be: 359 payments of $3,063.89 at an interest rate of 6.750% 1 payment of $2,878.62 at an interest rate of 6.750%. The monthly payment amount displayed includes principal, interest and mortgage insurance. The payment does not include homeowner's insurance or property taxes which must be paid in addition to your loan. Actual APR based on creditworthiness.
- Sep 25, 20267.60%▲ from 7.21%
- Sep 14, 20267.21%first recorded
No additional details available.
- Sep 25, 20267.65%▲ from 7.33%
- Sep 21, 20267.33%▲ from 7.20%
- Sep 17, 20267.20%▲ from 7.07%
- Sep 14, 20267.07%first recorded
The rates shown above are the current rates for the purchase of a single-family primary residence based on a 45-day lock period. These rates are not guaranteed and are subject to change. This is not a credit decision or a commitment to lend. Your final rate will depend on various factors including loan product, loan size, credit profile, property value, geographic location, occupancy and other factors.
No additional details available.
St George VA Loan Rates
These rates are based on a home in Austin, TX with a purchase price of $400,000 and a down payment of $80,000 . Your actual rate, payment and costs could be higher. Get an official Loan Estimate before choosing a loan.
- Sep 27, 20267.00%▲ from 6.86%
- Sep 24, 20266.86%▲ from 6.71%
- Sep 18, 20266.71%first recorded
Course of Construction Insurance is required. Ask your loan originator what other qualifications apply. All rates are subject to change without notice. Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
As Low As
- Sep 27, 20267.20%▲ from 6.84%
- Sep 24, 20266.84%▲ from 6.83%
- Sep 18, 20266.83%first recorded
No additional details available.
No additional details available.
No additional details available.
As Low As; Utah Housing VA
- Sep 25, 20267.47%▲ from 7.35%
- Sep 17, 20267.35%▲ from 7.22%
- Sep 14, 20267.22%first recorded
No additional details available.
Term: 5/6 ARM Jumbo 30-Year Variable
- Sep 25, 20266.70%▲ from 6.53%
- Sep 18, 20266.53%first recorded
Term: 7/6 ARM Jumbo 30-Year Variable
- Sep 25, 20266.74%▲ from 6.55%
- Sep 18, 20266.55%first recorded
Term: 5/6 ARM 30-Year Variable
- Sep 25, 20266.74%▲ from 6.57%
- Sep 18, 20266.57%first recorded
Term: 7/6 ARM 30-Year Variable
- Sep 25, 20266.78%▲ from 6.59%
- Sep 18, 20266.59%first recorded
No additional details available.
- Sep 25, 20267.04%▲ from 6.79%
- Sep 21, 20266.79%▲ from 6.66%
- Sep 17, 20266.66%first recorded
The information provided is for a 15-year VA mortgage and assumes the purpose of the loan is to purchase a property, with a loan amount of $459,675.00 and an estimated property value of $450,000.00. The property is located in Utah and is within Salt Lake County. The property is an existing single-family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 30 days and the assumed credit score is 740. At a 6.625% interest rate, the fixed APR for this loan type is 7.130%. The monthly payment would be: 179 payments of $4,035.92 at an interest rate of 6.625% 1 payment of $4,035.25 at an interest rate of 6.625%. The monthly payment amount displayed includes principal and interest. The payment does not include homeowner's insurance or property taxes which must be paid in addition to your loan. Actual APR based on creditworthiness.
- Sep 17, 20267.13%▲ from 7.00%
- Sep 14, 20267.00%first recorded
The information provided is for a 30-year VA mortgage and assumes the purpose of the loan is to purchase a property, with a loan amount of $459,675.00 and an estimated property value of $450,000.00. The property is located in Utah and is within Salt Lake County. The property is an existing single-family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 30 days and the assumed credit score is 740. At a 6.875% interest rate, the fixed APR for this loan type is 7.188%. The monthly payment would be: 359 payments of $3,019.74 at an interest rate of 6.875% 1 payment of $3,016.86 at an interest rate of 6.875%. The monthly payment amount displayed includes principal and interest. The payment does not include homeowner's insurance or property taxes which must be paid in addition to your loan. Actual APR based on creditworthiness.
- Sep 25, 20267.19%▲ from 6.81%
- Sep 14, 20266.81%first recorded
No additional details available.
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St George, UT Mortgage Rate Trends
Compare local St George, UT mortgage rate quotes against the statewide average
Daily mortgage rate averages tracked across our database of verified mortgage rate quotes, updated every evening.
Utah 30-year fixed rates rose 0.054 points over the past 7 days to 6.964%.
Utah 15-year fixed rates rose 0.049 points over the past 7 days to 6.629%.
Utah Mortgage Rate Forecast, Next 12 Months
Where are Utah mortgage rates headed through September 2027?
Based on Fed funds rate futures, 10-year Treasury path, and historical mortgage spread model. Not financial advice.
What Forecast Rates Mean for St George, UT Home Buyers
Monthly principal & interest payment on St George, UT median home of $303,400 (20% down, 30-year fixed, city-level Census ACS median)
| Scenario | Rate | Mo. Payment | vs. Today | % of Income |
|---|---|---|---|---|
| Today (UT avg) | 6.964% | $1,609 | — | 20.3% |
| 6-Month Forecast | 6.964% (6.61–7.26%) | $1,609 | +$0/mo | 20.3% |
| 12-Month Forecast | 7.214% (6.86–7.51%) | $1,650 | +$41/mo | 20.8% |
Income column = annual mortgage payment as % of St George, UT median household income ($95,166). Above 30% is generally considered cost-burdened.
MonitorBankRates Housing Affordability Index (MBR-HAI)
A daily-updated affordability score for St George, Utah , computed from local Census Bureau data combined with current Utah mortgage rates. Based on Utah statewide data for this location.
What This Score Means for St George, Utah Home Buyers
With a score of 103.3, St George, Utah is 5 points more affordable than the national average of 98.3. The area’s median home value of $489,400 against a median household income of $95,166 produces a price-to-income ratio of 5.1x , modestly above the national norm. At the current Utah mortgage rate of 6.964%, a buyer purchasing the median-priced home with 20% down would carry a monthly payment of approximately $2,595 in principal and interest.
Beyond the mortgage payment, the median total monthly owner cost in this area is $1,603, covering mortgage, property taxes, insurance, and utilities. Property taxes alone average $171/month ($2,047/year). These ongoing costs factor directly into the MBR-HAI alongside the mortgage rate and income data.
Score computed from Utah statewide U.S. Census Bureau ACS 5-Year Estimates (2024) and CPS/HVS Q4 2025 data, combined with the current Utah live mortgage rate. Score of 100 = national average at 6.5% reference rate. Full methodology →
How Mortgage Rates Impact Home Affordability in St George, Utah
St George, Utah Housing Market Overview
City-level home value data is not available for St George ; figures below reflect Utah statewide data.
The Utah statewide median owner-occupied home value is approximately $489,400, according to the U.S. Census Bureau. The 2026 FHFA conforming loan limit for this area is $832,750 — meaning most buyers financing at 80% LTV will qualify for conforming loan pricing, making rate comparison across local lenders especially valuable.
St George, Utah Homeownership Rate
The homeownership rate in St George, Utah stands at 68.5%, near the national average of 65.7%. The homeowner vacancy rate of 0.8% signals a tight market with limited available inventory, making it critical to secure the best possible rate quickly when a suitable property becomes available.
Monthly Payment Estimates for St George, Utah Buyers
Even a small difference in your interest rate can add up to tens of thousands of dollars over the life of a loan. The table below shows monthly principal and interest payments on a $400,000 mortgage.
| Interest Rate | Loan Term | Monthly Payment | Total Interest Paid |
|---|---|---|---|
| 6.464% | 30-year fixed | $2,519 | $506,771 |
| 6.964% Current Avg | 30-year fixed | $2,652 | $554,557 |
| 7.464% | 30-year fixed | $2,787 | $603,322 |
| 6.629% | 15-year fixed | $3,513 | $232,315 |
A 0.500% rate increase on a $400,000 loan adds roughly $135 per month and over $48,765 in total interest over a 30-year term. That’s why comparing verified, current rates from multiple lenders, using the rate table above, is one of the most impactful financial decisions a St George, Utah buyer can make.
Data sources: U.S. Census Bureau; Federal Housing Finance Agency (FHFA). Monthly payments shown are principal & interest only; taxes, insurance, and PMI not included.
St George, Utah Income & Housing Affordability
City-level Census data is not available for St George ; figures below reflect Utah statewide data.
At a price-to-income ratio of 5.1x, Utah is a moderately expensive housing market. That ratio, median home value divided by median household income, is a standard benchmark used by housing economists to gauge how accessible homeownership is relative to local earnings. The national baseline is approximately 3.8x.
What This Means for Utah Buyers
With a median household income of $95,166 per year in Utah statewide ($7,931/month) and a median home value of approximately $489,400, a buyer financing at 80% LTV at the current average rate would commit roughly 33.4% of gross monthly income to principal and interest alone. That places most buyers above the 30% threshold housing economists use to define "cost burdened", before taxes, insurance, HOA fees, or PMI are factored in.
Data sources: U.S. Census Bureau. Monthly payment estimate assumes 80% LTV at current average rate; principal and interest only.
Full Cost of Homeownership in St George, Utah
A mortgage payment is just the starting point. Property taxes, insurance, and utilities add hundreds of dollars per month to the true cost of owning a home in St George, Utah. Understanding the full picture before you buy is the difference between a home you can afford and one that stretches you thin.
Owner vs. Renter Costs
In St George, Utah, the median homeowner with a mortgage pays approximately $1,603/month in total housing costs, covering the mortgage payment, property taxes, insurance, and utilities. The median renter pays $1,496/month including utilities. The $107/month difference between owning and renting is relatively narrow, worth factoring carefully into a rent vs. buy analysis given that owners also build equity over time. Property taxes alone account for $171/month of the ownership cost, a figure that can vary dramatically by location and is often underestimated by first-time buyers.
Housing Cost Burden
The federal standard defines “cost burdened” as spending more than 30% of gross household income on housing. “Severely cost burdened” means spending 50% or more. Both thresholds leave little room for savings, emergencies, or other financial goals.
In St George, Utah, 25.1% of homeowners with mortgages are cost burdened and 45.7% of renters are cost burdened. Renters face significantly higher burden rates than owners, a pattern that often reflects lower renter incomes rather than lower rental costs, and one that can make the path from renting to owning financially difficult even when mortgage payments might be affordable. With an owner burden rate of 25.1% near the national average of 28.0%, this market reflects typical affordability conditions for mortgage holders.
Data sources: U.S. Census Bureau, American Community Survey 5-Year Estimates. Monthly owner costs include mortgage payment, taxes, insurance, and utilities. Property taxes reflect median annual taxes for mortgage holders. Rent reflects median gross rent including utilities. Cost burden figures reflect households spending 30%+ of gross income on housing.
St George, Utah Mortgage Payment Calculator
See your estimated monthly principal & interest payment at today’s St George, Utah rates. The home price is prefilled with the local median home value. Adjust anything, or click a current rate on the right to apply that loan type’s rate and term instantly.
Principal & interest only, excludes property taxes, homeowners insurance, PMI, and HOA dues. See the Full Cost of Homeownership section above for those figures. Estimates are for informational purposes only.
Run the Numbers on Your St George, Utah Home Loan
Rates are only part of the equation. Use these calculators to translate current St George, Utah mortgage rates into real numbers for your specific situation before you talk to a lender.
Enter your loan amount, interest rate, and term length to see your estimated monthly principal and interest payment. Adjust any variable to model different scenarios: a larger down payment, a shorter term, or a rate a quarter-point lower than what you were quoted.
CalculateTell us your gross income, monthly debt obligations, and how much you have for a down payment. We’ll show you the home price range you’re likely to qualify for at current St George, Utah rates, so you can shop with a realistic number in mind rather than discovering your ceiling after you’ve fallen in love with a property.
CalculateIf you already own a home, enter your current rate, remaining loan balance, and the rate you’ve been quoted to refinance. The calculator shows your new monthly payment, how much you’d save each month, and the break-even point, the number of months it takes for your savings to cover the closing costs of refinancing.
CalculateBuying isn’t always the better financial decision, and renting isn’t always throwing money away. This calculator weighs the full cost of each path: mortgage payments, taxes, insurance, and maintenance against rent increases and the opportunity cost of a down payment, to show which option builds more wealth over your intended time horizon in St George, Utah.
CalculateTypes of Mortgages Available in St George, Utah
Not every loan program is right for every buyer in St George, Utah. Rates, down payment requirements, eligibility rules, and long-term costs vary significantly across products, and the right choice depends on your credit profile, how long you plan to stay, and whether you qualify for any government-backed programs.
Fixed-Rate Mortgage
A fixed-rate mortgage locks your interest rate in for the entire loan term. Your principal and interest payment on day one is identical to payment 360. That predictability is valuable for long-term financial planning, especially in markets where housing costs represent a large share of household income.
Available in 10-, 15-, 20-, and 30-year terms. The 30-year minimizes monthly payments; the 15-year cuts total interest paid dramatically but requires a higher monthly commitment. The payment comparison table above shows exactly how those trade-offs look at today’s St George, Utah rate levels.
Adjustable-Rate Mortgage (ARM)
An ARM offers a fixed introductory rate for an initial period, commonly 5, 7, or 10 years, after which the rate adjusts periodically based on a market index. The starting rate is typically lower than a comparable fixed-rate loan, which reduces your monthly payment during the initial window.
ARMs work best when you have a defined exit timeline: if you plan to sell or refinance before the fixed period ends, you capture the lower rate without exposure to future adjustments. Rate caps govern how much the rate can move at each adjustment and in total, so read those terms closely before committing.
FHA Loan
Backed by the Federal Housing Administration, FHA loans are built for buyers who don’t yet meet conventional loan standards. You can qualify with a credit score of 580 and just 3.5% down, and some lenders will consider scores as low as 500 with a 10% down payment.
The cost of that lower barrier is mortgage insurance. FHA loans carry an upfront MIP of 1.75% of the loan amount (which can be rolled in) plus an annual MIP of 0.15%–0.75% depending on your term and LTV. For buyers who would otherwise wait years to save a larger down payment, given ongoing home price trends in St George, Utah, FHA is often the faster path to ownership.
VA Loan
Available to eligible active-duty service members, veterans, reservists, National Guard members, and qualifying surviving spouses, VA loans are among the most favorable mortgage programs available anywhere. No down payment is required, there is no monthly mortgage insurance, and rates are generally competitive with, and often better than, conventional loan rates.
A one-time funding fee applies, 2.15% of the loan for first-time VA borrowers with no down payment, which can be financed into the loan. In St George, Utah, where home prices require substantial savings for a conventional down payment, the zero-down VA benefit is an enormous advantage for those who qualify.
Jumbo Loan
The 2026 FHFA conforming loan limit for St George, Utah is $832,750. Mortgages above that amount are classified as jumbo loans and are not eligible for purchase by Fannie Mae or Freddie Mac, which means lenders carry the full risk and price that risk accordingly.
Jumbo underwriting is stricter: lenders typically require a credit score of 700 or higher, substantial cash reserves, thorough income documentation, and a down payment of at least 10–20%. Rates may run slightly above conforming levels, though the gap narrows in competitive lending environments.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our St George, Utah mortgage rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Mortgage Rate Data: We aggregate mortgage and refinance rates for St George, Utah directly from the official websites of local lenders, credit unions, and national mortgage originators using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every rate displayed is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available home loan products in St George, Utah. We feature a comprehensive mix of licensed NMLS financial institutions, from neighborhood credit unions and competitive regional banks to large national originators available to borrowers in UT.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update mortgage rates daily. Because rates and APRs can fluctuate rapidly based on bond markets and economic conditions, every loan product features its own “last updated” date for full transparency.
Proprietary Lender Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data, including the Texas Ratio, ensuring you compare rates from secure, reliable lenders.
How a Mortgage Works in St George, Utah
A mortgage is a loan used to buy a home in St George, Utah, secured by the property itself as collateral. The borrower repays the amount over a set term, most commonly 30 or 15 years, in monthly installments that cover both principal and interest. Because the loan is secured, the lender can foreclose on the home if payments are not made, which is part of why mortgage rates are lower than rates on unsecured debt.
Fixed-Rate vs. Adjustable-Rate Mortgages for St George, Utah Buyers
A fixed-rate mortgage keeps the same interest rate for the entire term, so a St George, Utah homeowner’s principal-and-interest payment never changes. For example, Deseret First Federal Credit Union is listing a Mortgage - 30 Yr Fixed at 6.75%. An adjustable-rate mortgage (ARM) starts with a fixed period, often five, seven, or ten years, and then adjusts periodically based on a market index. ARMs usually open with a lower rate, but the payment can rise once the fixed period ends, so they tend to suit St George, Utah borrowers who expect to move or refinance before that point. On the adjustable-rate side, Deseret First Federal Credit Union is listing a Mortgage - 5/6 ARM at 5.99%.
How St George, Utah Mortgage Rates Are Set
Mortgage rates move with the broader bond market, particularly the yield on the 10-year Treasury, plus a spread that reflects lender costs and risk. On top of that national baseline, the rate a Utah borrower is offered depends on individual factors: credit score, down payment size, loan amount, loan type, and the property itself. This is why the advertised rates above are a starting point, and a borrower’s final rate is set once an application is underwritten.
Points and Closing Costs in St George, Utah
The interest rate is not the only cost of buying a home in St George, Utah. Discount points are an optional upfront fee (one point equals one percent of the loan amount) paid to lower the rate over the life of the loan. Closing costs cover items such as origination fees, appraisal, title insurance, and recording, and typically run two to five percent of the loan. Comparing the annual percentage rate (APR) alongside the note rate helps St George, Utah shoppers account for these costs when weighing lenders.
When St George, Utah Homeowners Should Consider Refinancing
Refinancing replaces an existing mortgage with a new one, usually to secure a lower rate, change the term, or tap home equity. For St George, Utah homeowners, the general guideline is that refinancing makes sense when the savings from a lower rate recoup the closing costs within the time the borrower plans to stay in the home, known as the break-even point. Borrowers also refinance to switch from an adjustable rate to a fixed rate, or to remove mortgage insurance once enough equity has built up. Current St George, Utah refinance rates from local lenders are listed on our refinance page.
Frequently Asked Questions about Mortgage Rates in St George, Utah
How does my credit score affect my rate in Utah?
What is a 30-Year Fixed Mortgage?
What are closing costs in Utah?
Should I lock my mortgage rate?
What is an Adjustable-Rate Mortgage (ARM)?
What is a Jumbo Loan in St George, Utah?
Do I need 20% down to buy a house in Utah?
What is the difference between Interest Rate and APR?
How do I find the best lender in St George, Utah?
What is the homeownership rate in St George, Utah?
What is the conforming loan limit in St George, Utah?
What is the median monthly cost of homeownership in St George, Utah?
What are the median property taxes in St George, Utah?
What is the median rent in St George, Utah?
What percentage of homeowners are cost burdened in St George, Utah?
What percentage of renters are cost burdened in St George, Utah?
What are the best Mortgage rates in St George, Utah?
- Deseret First Federal Credit Union: 6.75% (Mortgage - 30 Yr Fixed)
- Wells Fargo: 6.75% (30-Year Fixed-Rate VA)
- America First Federal Credit Union: 7.25% (30 Year Fixed)
- State Bank of Southern Utah: 7.38% (30 Yr Fixed)
- Security Service Federal Credit Union: 7.62% (1XClose 30 YR Fixed)
St George, Utah Rates & Resources
