84123 — Salt Lake County, Utah Market Snapshot
Housing market data for zip code 84123 in Salt Lake County, Utah. Updated monthly with median prices, days on market, and more.
Market Sales Data
49 sales in 2026 (year to date)
Median Sale Price
$570,000
Days to Sell
27
Homes Sold
49
Inventory
32
Sale-to-List
99.6%
New Listings
63
Price/SqFt
$234
Pending Sales
64
Conforming Loan Available
Most homebuyers in 84123 can comfortably use conventional financing. The median home price of $570,000 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
Homes in 84123 are moving quickly at 27 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 84123 (99.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 84123 can comfortably use conventional financing. The median home price of $570,000 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 84123 are set at the county level.
2026 Loan Limits — Salt Lake County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $637,100 |
| 2 Units | $1,066,250 | $815,600 |
| 3 Units | $1,288,800 | $985,900 |
| 4 Units | $1,601,750 | $1,225,200 |
Affordability Snapshot — Zip 84123
To purchase the median home at $570,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,517.
Monthly Payment
$4,517
Income Required
$193,593
Principal & Interest
$3,512/mo
Down Payment (5%)
$28,500
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 84123.
Estimated Monthly Payment
$3,678
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