Mortgage Rates in Kearns, Utah — March 2026
Updated March 2026 | Based on Kearns market data and regional lending conditions
Kearns is a growing city in Utah with a population of 36,064. The current 30-year fixed mortgage rate in Kearns is 6.89%, which is 0.24% above the national average. With a median home price of $495,000 and a 20% down payment of $99,000, homebuyers can expect a monthly principal and interest payment of approximately $2,605.
Current Mortgage Rates in Kearns, UT
Below are the current average mortgage rates available in the Kearns area as of March 2026. Rates vary by lender, credit score, and loan-to-value ratio. Use our free calculator above to see your personalized estimate.
| Loan Type | Rate | National Avg | Difference |
|---|---|---|---|
| 30-Year Fixed | 6.89% | 6.65% | +0.24% |
| 15-Year Fixed | 6.1% | 5.89% | +0.21% |
| 5/1 ARM | 6.33% | 6.15% | +0.18% |
| FHA | 6.57% | 6.25% | +0.32% |
| VA | 6.32% | 6.05% | +0.27% |
| Jumbo | 7.14% | 6.85% | +0.29% |
Kearns Housing Market Overview
The Kearns housing market reflects moderate demand with prices near the national average. The median household income in Kearns is $67,800, and the cost of living index is 101.8 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $121,543 to comfortably afford the median-priced home in Kearns, which exceeds the current median household income.
Monthly Payment Breakdown for Kearns
Based on the median home price of $495,000 with 20% down ($99,000), here is what you can expect to pay monthly in Kearns:
15-Year vs. 30-Year Mortgage in Kearns
Choosing a 15-year mortgage in Kearns at 6.1% instead of a 30-year at 6.89% would save you $332,460 in total interest over the life of the loan. However, your monthly payment would be $3,363 instead of $2,605 — an increase of $758 per month.
Calculate Your Kearns Mortgage Payment
Use our free calculator to get a personalized estimate based on your loan amount, interest rate, and term.
Open Free CalculatorFrequently Asked Questions About Mortgages in Kearns
What are the current mortgage rates in Kearns, UT?
As of March 2026, the average 30-year fixed mortgage rate in Kearns, Utah is 6.89%, while the 15-year fixed rate is 6.1%. FHA loans average 6.57% and VA loans 6.32%. These rates are 0.24% above the national average of 6.65%.
How much is a monthly mortgage payment in Kearns?
Based on the median home price of $495,000 with 20% down, the estimated monthly mortgage payment in Kearns is $2,605 for principal and interest. Including property taxes of $231/month, the total monthly housing cost is approximately $2,836.
What income do I need to buy a home in Kearns?
Using the 28% rule, you would need an annual income of approximately $121,543 to afford the median-priced home in Kearns at $495,000. The median household income in Kearns is $67,800. This means most households would need to either earn above the median or consider homes below $495,000.
Is Kearns a good place to buy a home in 2026?
Kearns has a moderate cost of living with a cost of living index of 101.8 (national average = 100). The property tax rate in Utah is 0.56%, which is below the national average. Kearns has a population of 36,064 and offers a balanced lifestyle.
Mortgage Rates in Other Utah Cities
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Kearns, Utah area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.