Income needed to buy a home
Cache County, UT
$150,025
a year in household income to buy the typical Cache County home with 10% down.
The monthly math
Typical home value$467,434
Down payment (10%)$46,743
Loan$420,691
Principal and interest (7.40%)$2,913/mo
Property tax (0.46% a year)$179/mo
Homeowners insurance (estimate)$234/mo
Mortgage insurance$175/mo
Total monthly cost$3,501/mo
Income needed keeps housing at 28% of gross income, the lender rule of thumb.
What locals earn
Far off
The typical household here earns $81,665 a year, 54% of what it takes.
In Utah
Cache County ranks #18 of 28 for the income a home takes, from least to most.
Easiest to afford in Utah
| County | Typical home | Income needed |
|---|---|---|
| Garfield County | $270,293 | $84,888 |
| Carbon County | $281,335 | $91,913 |
| Emery County | $298,652 | $97,581 |
| Beaver County | $323,353 | $102,696 |
| Sevier County | $338,220 | $108,927 |
Typical home value from the Zillow Home Value Index, August 2026. Rate is the Freddie Mac 30-year average for Oct 8, 2026. Property tax rate is total taxes paid divided by total home value in the county (U.S. Census, ACS 2020-2024). How it works.