84097 — Utah County, Utah Market Snapshot
Housing market data for zip code 84097 in Utah County, Utah. Updated monthly with median prices, days on market, and more.
Market Sales Data
31 sales in 2026 (year to date)
Median Sale Price
$580,000
Days to Sell
43
Homes Sold
31
Inventory
36
Sale-to-List
98.8%
New Listings
53
Price/SqFt
$227
Pending Sales
43
Conforming Loan Available
Most homebuyers in 84097 can comfortably use conventional financing. The median home price of $580,000 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
84097's market is balanced with homes taking an average of 43 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 84097 (98.8% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 84097 can comfortably use conventional financing. The median home price of $580,000 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 84097 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 84097
To purchase the median home at $580,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,594.
Monthly Payment
$4,594
Income Required
$196,876
Principal & Interest
$3,574/mo
Down Payment (5%)
$29,000
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 84097.
Estimated Monthly Payment
$3,740
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 84097. Tell us what you're looking for.