Updated
May 08, 2023 Below you will find the current average mortgage rates in Utah for conventional and non-conventional mortgages. You can also compare these rates to national average rates and historical rates in both Utah and the U.S. as a whole.
Current Mortgage Rates in Utah
| Mortgage Type | Avg. UT Rate | National Rate |
| 30-Year Fixed | 4.35% | 3.60% |
| 15-Year Fixed | 3.44% | 3.05% |
| 30-Year 5/1 ARM | 3.78% | 3.36% |
| 30-Year 3/1 ARM | 4.10% | – |
| 30-Year 7/1 ARM | 3.95% | – |
| 30-Year 10/1 ARM | 3.97% | – |
Last Update: 2/6/2020
Source: Consumer Financial Protection Bureau, Federal Reserve Bank of St. Louis
Non-Conventional Mortgage Rates in Utah
| Mortgage Type | Avg. Rate |
| FHA 30-Year Fixed | 3.88% |
| FHA 15-Year Fixed | 3.82% |
| VA 30-Year Fixed | 3.81% |
| VA 15-Year Fixed | 3.85% |
Last Update: 2/6/2020
Source: Consumer Financial Protection Bureau
Historical Mortgage Rate Trends in Utah
Source: Federal Housing Finance Agency Monthly Interest Rate Survey
Note: Adjustable mortgage rates excluded due to insufficient data.
Historical Mortgage Rate Trends in the U.S.
Source: Freddie Mac