Not financial advice. Mortgage FV Calculator is a software calculator, not a personal-finance product or advisory service. It computes standard financial functions and displays the results for your convenience. Nothing here constitutes, or is intended to constitute, financial, investment, tax, legal, mortgage, credit, or insurance advice. Always consult a qualified professional before making any financial decision.
St. George mortgage calculator
A median-priced St. George, UT home at 6.75% over 30 years, with Utah property tax of 0.55% and $1,300 a year of homeowners insurance. Every figure below is computed on our amortising engine — nothing is estimated in the browser.
$4,294 a month, all in
Principal and interest are $3,643; escrow and PMI add the rest. Over the full term the loan costs $749,710 in interest. Discounted at 5%, buying here has a net present value of $-75,815 ($247,684 in today’s dollars).
Within Utah, St. George is the most expensive of the 5 Utah markets covered here. Prices here run 1.41x those in Ogden, the cheapest market listed, so a statewide average badly understates what a purchase costs on this side of the state.
The price-to-rent ratio here is 26.3 ($624,000 to buy, $1,980 a month to rent), which is high. Renting and investing the deposit is a genuine alternative in St. George, not a fallback position.
St. George carries a premium over the rest of Utah: a median home here runs $624,000, about 20% above the state median of $520,000. The deposit moves with it, so the same 20% down is $124,800 rather than $104,000.
Monthly cost in St. George vs comparable rent
Owning is stacked by component; renting is the local median asking rent.
The monthly breakdown
| Median home price | $624,000 |
|---|---|
| Down payment (10%) | $62,400 |
| Loan amount | $561,600 |
| Principal & interest | $3,643/mo |
| Property tax (0.55%) | $286/mo |
| Homeowners insurance | $108/mo |
| PMI while above 80% LTV | $257/mo |
| Total monthly payment | $4,294/mo |
| Comparable rent | $1,980/mo |
What a rate move does to the St. George payment
| Rate | Principal & interest |
|---|---|
| 5.5% | $3,189/mo |
| 6% | $3,367/mo |
| 6.5% | $3,550/mo |
| 7% | $3,736/mo |
| 7.5% | $3,927/mo |
| 8% | $4,121/mo |
Rent or buy in St. George?
Against $1,980 a month in rent, over 7 years renting leaves you about $162,793 better off — $136,952 once 2.5% inflation is stripped out. See the Utah rent-vs-buy page.
Where these numbers come from
Utah medians come from editorial and are refreshed weekly. The St. George figures index those state medians to the local market, so they track the same feed rather than going stale. Insurance and the state income tax rate are editorial. Treat everything here as a planning estimate, not a quote.