84604 — Utah County, Utah Market Snapshot
Housing market data for zip code 84604 in Utah County, Utah. Updated monthly with median prices, days on market, and more.
Market Sales Data
68 sales in 2026 (year to date)
Median Sale Price
$567,500
Days to Sell
34
Homes Sold
68
Inventory
93
Sale-to-List
97.7%
New Listings
115
Price/SqFt
$249
Pending Sales
80
Conforming Loan Available
Most homebuyers in 84604 can comfortably use conventional financing. The median home price of $567,500 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
84604's market is balanced with homes taking an average of 34 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 84604 sells for 2.3% below asking price (97.7% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 84604 can comfortably use conventional financing. The median home price of $567,500 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 84604 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 84604
To purchase the median home at $567,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,498.
Monthly Payment
$4,498
Income Required
$192,771
Principal & Interest
$3,497/mo
Down Payment (5%)
$28,375
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 84604.
Estimated Monthly Payment
$3,662
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 84604. Tell us what you're looking for.