Closing Costs in Utah: 2026 Buyer’s Guide

Utah has below-average closing costs (1.2-2.0% of home price). No state real estate transfer tax. Low property tax effective rate (0.66%) keeps prepaid escrows small. No attorney requirement.

Use the calculator below — your state has already been selected. Adjust the home price, down payment, and loan type for an estimate calibrated to Utah.

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Estimates only — your actual closing costs depend on lender, property, locality, and the specifics of your transaction. Not financial advice. Verify all figures with a licensed lender or attorney. See our methodology below.

Utah closing cost structure

1. No state transfer tax

Utah is one of 13 US states with no real estate transfer tax.

2. Low property tax escrow

UT effective rate is 0.66% — among the lowest in the US.

3. Title insurance

UT title insurance is competitive market — combined premium ~0.45%.

4. No attorney required

UT uses title + escrow company closings.

How to reduce Utah closing costs

  1. Negotiate seller concessions. Most state markets allow 1-9% seller-paid closing costs depending on loan type.
  2. Shop title insurance in non-regulated states.
  3. Get three Loan Estimates.
  4. Compare lender fees.
  5. Time closing late in the month to minimize prepaid interest.

Frequently asked questions (Utah)

Does Utah require an attorney for home closings?

No. Utah uses title agent / escrow company closings. Attorney is optional.

What's the average Utah closing cost?

Approximately 1.5-2.5% of home price for the buyer in most Utah transactions, though state-specific factors can push higher in certain areas.

Are Utah property taxes high?

See the breakdown above — varies by state. Use the calculator below for your specific home value.

Closing costs on a $300K Utah home?

Approximately $5,000-$9,000 for the buyer with a conventional loan. Use the calculator below to estimate yours.

About these estimates

The calculator above uses Utah state averages for transfer taxes, recording fees, title insurance, attorney requirements, and property tax rates — sourced from the Utah Department of Revenue, the 2024 ClosingCorp survey, the Tax Foundation 2024 property tax rankings, and state-specific regulatory tariffs. Real closing costs depend on your specific lender, the property, and the county-level rules where you're buying. For a sanity check on the calculator's output, request a Loan Estimate from your lender (federal law requires one within 3 business days of mortgage application).

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Reviewed by the CalcCottage editorial team. Updated May 14, 2026. Estimates only — not financial advice.

Closing costs in other states