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Homeownership is to the American dream. It offers , security, community, and countless other benefits. Yet for many Utah residents, the dream feels increasingly out of reach—even as and fall. Near-record prices have made homes hard to come by and often even harder to afford, leaving buyers and sellers and younger generations .

But affordable pockets still exist. In cities across the state, residents can comfortably spend around 30% of their income or less on housing, which is widely considered the affordable threshold.

To find out where these cities are, ranked the most affordable cities in Utah, based on their local payment to income ratios. All data is an average for the January-October 2025 period. To see the most affordable cities in the country, read this .

#1. Syracuse, Utah
- Payment to income ratio: 33.6%
- Median sale price: $581,489
- Median household income: $132,459
- Income needed to buy: $148,491
- Median monthly mortgage payment: $3,712
- See homes for sale in Syracuse on

#2. Roy, Utah
- Payment to income ratio: 36.6%
- Median sale price: $435,858
- Median household income: $91,112
- Income needed to buy: $111,302
- Median monthly mortgage payment: $2,783
- See homes for sale in Roy on

#3. Eagle Mountain, Utah
- Payment to income ratio: 37.8%
- Median sale price: $521,292
- Median household income: $105,576
- Income needed to buy: $133,118
- Median monthly mortgage payment: $3,328
- See homes for sale in Eagle Mountain on

#4. Tooele, Utah
- Payment to income ratio: 38.3%
- Median sale price: $444,958
- Median household income: $88,893
- Income needed to buy: $113,626
- Median monthly mortgage payment: $2,841
- See homes for sale in Tooele on

#5. Kearns, Utah
- Payment to income ratio: 39.2%
- Median sale price: $426,065
- Median household income: $83,355
- Income needed to buy: $108,801
- Median monthly mortgage payment: $2,720
- See homes for sale in Kearns on

#6. Kaysville, Utah
- Payment to income ratio: 39.5%
- Median sale price: $665,612
- Median household income: $128,996
- Income needed to buy: $169,973
- Median monthly mortgage payment: $4,249
- See homes for sale in Kaysville on

#7. Saratoga Springs, Utah
- Payment to income ratio: 40.5%
- Median sale price: $653,010
- Median household income: $123,619
- Income needed to buy: $166,755
- Median monthly mortgage payment: $4,169
- See homes for sale in Saratoga Springs on

#8. West Valley City, Utah
- Payment to income ratio: 40.7%
- Median sale price: $470,510
- Median household income: $88,604
- Income needed to buy: $120,151
- Median monthly mortgage payment: $3,004
- See homes for sale in West Valley City on

#9. Lehi, Utah
- Payment to income ratio: 41.0%
- Median sale price: $674,393
- Median household income: $125,860
- Income needed to buy: $172,215
- Median monthly mortgage payment: $4,305
- See homes for sale in Lehi on

#10. West Jordan, Utah
- Payment to income ratio: 41.2%
- Median sale price: $559,759
- Median household income: $103,960
- Income needed to buy: $142,942
- Median monthly mortgage payment: $3,574
- See homes for sale in West Jordan on

#11. Magna, Utah
- Payment to income ratio: 41.8%
- Median sale price: $477,176
- Median household income: $87,516
- Income needed to buy: $121,853
- Median monthly mortgage payment: $3,046
- See homes for sale in Magna on

#12. Ogden, Utah
- Payment to income ratio: 42.4%
- Median sale price: $388,101
- Median household income: $70,053
- Income needed to buy: $99,107
- Median monthly mortgage payment: $2,478
- See homes for sale in Ogden on

#13. Layton, Utah
- Payment to income ratio: 42.5%
- Median sale price: $550,420
- Median household income: $99,188
- Income needed to buy: $140,557
- Median monthly mortgage payment: $3,514
- See homes for sale in Layton on

#14. Clearfield, Utah
- Payment to income ratio: 43.7%
- Median sale price: $430,637
- Median household income: $75,429
- Income needed to buy: $109,969
- Median monthly mortgage payment: $2,749
- See homes for sale in Clearfield on

#15. South Jordan, Utah
- Payment to income ratio: 43.8%
- Median sale price: $722,258
- Median household income: $126,400
- Income needed to buy: $184,438
- Median monthly mortgage payment: $4,611
- See homes for sale in South Jordan on

#16. Riverton, Utah
- Payment to income ratio: 43.9%
- Median sale price: $682,962
- Median household income: $119,093
- Income needed to buy: $174,403
- Median monthly mortgage payment: $4,360
- See homes for sale in Riverton on

#17. Spanish Fork, Utah
- Payment to income ratio: 44.5%
- Median sale price: $571,547
- Median household income: $98,497
- Income needed to buy: $145,952
- Median monthly mortgage payment: $3,649
- See homes for sale in Spanish Fork on

#18. Herriman, Utah
- Payment to income ratio: 44.8%
- Median sale price: $692,388
- Median household income: $118,446
- Income needed to buy: $176,810
- Median monthly mortgage payment: $4,420
- See homes for sale in Herriman on

#19. Bountiful, Utah
- Payment to income ratio: 44.8%
- Median sale price: $606,609
- Median household income: $103,723
- Income needed to buy: $154,905
- Median monthly mortgage payment: $3,873
- See homes for sale in Bountiful on

#20. Taylorsville, Utah
- Payment to income ratio: 45.5%
- Median sale price: $508,368
- Median household income: $85,608
- Income needed to buy: $129,818
- Median monthly mortgage payment: $3,245
- See homes for sale in Taylorsville on