Income needed to buy a home
Garfield County, UT
$84,888
a year in household income to buy the typical Garfield County home with 10% down.
The monthly math
Typical home value$270,293
Down payment (10%)$27,029
Loan$243,264
Principal and interest (7.40%)$1,684/mo
Property tax (0.27% a year)$60/mo
Homeowners insurance (estimate)$135/mo
Mortgage insurance$101/mo
Total monthly cost$1,981/mo
Income needed keeps housing at 28% of gross income, the lender rule of thumb.
What locals earn
A stretch
The typical household here earns $61,875 a year, 73% of what it takes.
In Utah
Garfield County ranks #1 of 28 for the income a home takes, from least to most.
Easiest to afford in Utah
| County | Typical home | Income needed |
|---|---|---|
| Carbon County | $281,335 | $91,913 |
| Emery County | $298,652 | $97,581 |
| Beaver County | $323,353 | $102,696 |
| Sevier County | $338,220 | $108,927 |
| Millard County | $342,589 | $110,506 |
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.