Salt Lake City, UT Mortgage Rates
Live Mortgage Rates in Salt Lake City, Utah
6.490%
Salt Lake City Conventional Purchase benchmark (80% LTV, 780 FICO), updated Thursday, November 5, 2026 at 2:13 PM UTC
Sourced live from hundreds of wholesale lenders serving Salt Lake City and Utah
Salt Lake City Benchmark Rates
Lowest available rate with no discount points paid in Salt Lake City, UT for each standard scenario, sourced live
| Scenario | Rate (no points) | APR |
|---|---|---|
Conventional Conventional Purchase (80% LTV, 780 FICO) · Salt Lake City, UT | 6.490% | 6.529% |
FHA FHA Purchase (96.5% LTV, 680 FICO) · Salt Lake City, UT | 5.990% | 6.025% |
VA VA Purchase (100% LTV, 680 FICO) · Salt Lake City, UT | 5.990% | 6.020% |
2026 Loan Limits in Utah
Conforming
$832,750 baseline
High-cost Utah counties go up to $1,249,125 - Salt Lake City may qualify depending on the specific property county.
FHA
$541,287
Standard FHA limit. Select high-cost Utah counties allow more, up to $1,249,125 - check your specific county.
About Salt Lake City Mortgage Rates
The rates shown above reflect the lowest available wholesale pricing for a Salt Lake City, Utah homebuyer at the time of the snapshot. Rate Direct pulls pricing from hundreds of lenders serving Utah and refreshes hourly, so the numbers stay close to what a licensed mortgage broker could actually source for a Salt Lake City property.
Your specific Salt Lake City rate depends on credit score, loan amount, property type (single-family vs multi-unit vs condo), loan-to-value, and loan purpose. A 780 FICO buyer at 80% LTV will price materially better than a 680 FICO buyer at 95% LTV. To see your exact rate across the full Utah lender network, use the Rate Direct pricer.
Salt Lake City buyers also have access to FHA, VA, and USDA programs with lower down payments and more flexible credit guidelines. For down payment assistance specific to Utah, see the Utah DPA guide.
Get your personalized Salt Lake City mortgage rate
The rates above are the market benchmark for Salt Lake City. Your actual rate depends on your scenario.