Utah Home Affordability Calculator | Free Tool

How to Use the Calculator

Pick a tab

How much can I afford? for a price range, or Monthly payment for a home you're considering.

Enter your income

Your yearly household income before taxes, for everyone on the loan.

Add debts and down payment

Monthly debt payments (car, student loans, card minimums, not rent) and the cash you plan to put down.

Fine-tune the details

Your estimate updates as you type. Open Taxes, insurance & HOA to use your own numbers.

Yearly household incomeBefore taxes, everyone on the loan combined

Monthly debt paymentsCar, student loans, credit card minimums. Not rent.

Down paymentCash you'll put toward the home

Interest rate

Loan length

Taxes, insurance & HOA (optional)

Property tax% of price per year

Home insurancePer month

HOA duesPer month, if any

Mortgage insurance% per year, under 20% down

You could afford a home up to

Principal & interest
Property tax
Home insurance
Mortgage insurance
HOA dues
Estimated monthly payment

Get Pre-Qualified Talk to Olivia

Estimates only, for planning. Your actual loan amount, rate and payment depend on your credit, the loan program and the lender's review. Property tax and insurance vary by home and county.

Turn Your Estimate Into a Real Number

The calculator gives you a starting range. Pre-qualifying with a lender narrows it down and makes you a stronger buyer.

Know your budget

Shop with a number from a lender, not just an estimate.

Move quickly

Have your financing started so you can make an offer when the right home comes up.

Look serious to sellers

Show you're a qualified buyer, which matters most in a competitive market.

Find your loan options

Learn which programs fit you, including low and zero down payment options.

Want to learn more first? Read How Much Home Can You Afford in Utah, or work through the Utah Home Buyers Workshop.

Ready for a real number?

About a minute to send, and no credit check.

Get Pre-Qualified →

Jim D

I purchased my first home about a year ago. Olivia was my agent, and she was AMAZING! We went from not even thinking we could buy, to living in our new home very quickly. The process was smooth and easy, and everything was explained! Thank you, Presidio, and thank you Olivia!!

Holly Smith

Olivia was very friendly and personable, she met all of my expectations!!! She also went above and beyond helping me with securing the best price in having the water heater & HVAC inspection done❗️ She offered on many occasions to help me complete any task in my home to prepare for the sell. We connected on so many levels, Olivia was a star in selling my condo 🤩 and I got exactly what I wanted from the sell Thank you Olivia 💝

kristie Weber

Olivia was very helpful in all aspects of selling our house. Very knowledgeable on everything we needed to do. I would highly recommend her for anyone looking to sell a house.

Mahrooz Maddela

I have known Olivia Pelton since 2018, when my husband and I moved here from Dallas, Texas. From the very beginning, she was efficient, kind, friendly, knowledgeable, and always willing to go the extra mile to help us find the right home. Not only did Olivia help us find exactly what we were looking for, but she continued to check in with us from time to time to see if there was anything else she could help with. She consistently went above and beyond in ways I had never experienced with a realtor before. During our home tours, Olivia would ask thoughtful questions of the contractors and builders that we would never have thought to ask ourselves. Her expertise, attention to detail, and genuine care gave us tremendous confidence throughout the process. Over the years, our professional relationship has grown into a lasting friendship. I wholeheartedly recommend Olivia to anyone looking for a realtor who is knowledgeable, dedicated, and truly cares about her clients. She is simply the best!

Serena Aeschilman

Olivia sold me my second house. She really takes time for her clients. She follows up and goes to bat for the wants I have! I love doing business with Olivia because I know that she’s as invested in my happiness as I am. I highly recommend working with Olivia! I’ve referred some peers to her and they are also happy with her! Olivia is fantastic! A friend recommended her and I do not regret it. For starters, when I first contacted her, she was AT DISNEYWORLD on vacation. She answered all my questions while she was enjoying a day with her son. I was very impressed that she was willing to do that! From then on, she would promptly reply to any text I sent, day or night. I was very happy to almost instantly get a reply! She made the transition to closing very smooth and assured that any questions I had, as a new time home buyer, were valid. She even brought up points that I had forgotten when I sat down with the buyer. I was so glad I had her by my side to assist in the process. I bought a new construction home and she showed up to EVERY meeting. The reps of Woodside were surprised she came because apparently, realtors don't typically go to those. I am so thankful she did. She pointed out flaws that I did not catch. During the final walkthrough, she truly advocated for me and my concerns. She ensured my concerns were valid and that the builders heard them. She went out of her way a few times to listen to me when I was upset over things that went wrong. Olivia did try her best every time where she could. We even used Ranlife's lender and Olivia even chatted with the lender when things went awry. My dad assisted throughout the way as well. He does own property and was impressed by Olivia. His previous realtors did not advocate for him and did not attend all the showings as Olivia did. Olivia is now the family realtor! I will recommend her to anyone I hear is looking for a realtor because I am so grateful I had her by my side! I will definitely be coming to her again in the future. To top it off, I had mentioned I was buying a house to get a dog! When I closed, she gifted a house warming crate that had dog supplies! I'm so impressed she remembered the dog comment!!

Collin Genin

Olivia is amazing. Very respectful and proficient She helped us find a home and not just sell us a house. I'll definitely be coming back for any of my real-estate needs!

Trax Decker

Olivia is and will be the best Realtor you can get. My wife and I had been looking for a home for several years, serious to semi-serious looking. Once we had our first meet, not only did we find a home, but her professionalism, her attitude and direction, her awesome personality and sense of humor, made this experience far better. I loved loved loved how she provided us with what we asked for. Too many time did I tell other Realtors that we had a specific pay range, yet still got home listings 300k-600k more than we could ever afford. Not with Olivia. Call her, call her yesterday! She works hard, be honest with her and she will get you into the home you were meant to be in like she did for us! We still look at our home and feel so grateful to be in it, then we text her and tell her! I highly recommend Olivia, and thanks again for our wonderful home!

matt dynan

Olivia goes above and beyond to make your real estate transaction fun, professional and worry free. I’ve worked with many different realtors over the years and Olivia is hands down the most hard working and professional realtor I’ve ever dealt with. Olivia blew me away with her attention to detail, insight, advice and knowledge of the market. Most importantly, she is an amazing person with a wonderfully positive personality. I enjoyed working with her and would highly recommend her services.

Marlo Taylor

Olivia has helped us with a purchase and sale of our home. She is the most patient, flexible and hard working realtor we have ever worked with! 5 stars isn’t enough! Thank you so much Olivia! We could not recommend her enough!