84045 — Utah County, Utah Market Snapshot
Housing market data for zip code 84045 in Utah County, Utah. Updated monthly with median prices, days on market, and more.
Market Sales Data
383 sales in 2026 (year to date)
Median Sale Price
$539,900
Days to Sell
69
Homes Sold
383
Inventory
371
Sale-to-List
99.7%
New Listings
472
Price/SqFt
$197
Pending Sales
463
Conforming Loan Available
Most homebuyers in 84045 can comfortably use conventional financing. The median home price of $539,900 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
With homes sitting for 69 days on average, 84045 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
Homes are selling very close to asking price in 84045 (99.7% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 84045 can comfortably use conventional financing. The median home price of $539,900 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 84045 are set at the county level.
2026 Loan Limits — Utah County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $601,450 |
| 2 Units | $1,066,250 | $769,950 |
| 3 Units | $1,288,800 | $930,700 |
| 4 Units | $1,601,750 | $1,156,650 |
Affordability Snapshot — Zip 84045
To purchase the median home at $539,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,287.
Monthly Payment
$4,287
Income Required
$183,709
Principal & Interest
$3,327/mo
Down Payment (5%)
$26,995
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 84045.
Estimated Monthly Payment
$3,491
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