The typical owner-occupied home in Cache County is worth about $444,400, 9% below the Utah median of $489,400 and 34% above the national median of $332,700. Owners pay a median $2,011 a year in property taxes, about 0.45% of their home's value, lower than the Utah rate of 0.52%. The median household earns $81,665 a year, so the median home costs 5.4 times the median income (5.1 times for Utah). 64% of occupied homes here are lived in by their owners, and 65% of those owners still have a mortgage.
Cache County at a glance
| Cache County | Utah | U.S. | |
|---|---|---|---|
| Median home value | $444,400 | $489,400 | $332,700 |
| Median property tax paid per year | $2,011 | $2,525 | $3,119 |
| Property tax as a share of value | 0.45% | 0.52% | 0.94% |
| Median household income | $81,665 | $95,166 | $80,734 |
| Homes lived in by their owners | 64% | 70% | 65% |
| Owner homes with a mortgage | 65% | 69% | 61% |
| Median monthly costs, owners with a mortgage | $1,795 | $2,009 | $1,963 |
| Those costs as a share of the owners' income | 20.0% | 20.5% | 21.0% |
| Median rent | $1,213 | $1,496 | $1,413 |
| Rent as a share of renters' income | 28.2% | 28.9% | 30.6% |
| Median year homes were built | 1992 | 1992 | 1980 |
| Vacant homes | 4.8% | 8.1% | 10.1% |
| Population | 140,046 | 3,392,331 | 334,922,499 |
What a typical home costs per month in Cache County
At this week's average 30-year rate of 7.11%, buying the median Cache County home of $444,400 with 20% down costs about $2,743 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $3,484, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $117,576 for the 20%-down payment. That payment is 40% of the median Cache County household income of $81,665; at that income and 20% down, the 28% guideline points to a home of about $309,000.
The median rent here is $1,213 a month, so owning the median home costs about $1,530 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $88,880 |
|---|---|
| Loan amount | $355,520 |
| Principal and interest | $2,392 |
| Property taxes (0.45% a year) | $167 |
| Homeowners insurance (our estimate, 0.5% a year) | $185 |
| PMI | $0 |
| Total per month | $2,743 |
Change the numbers in the calculator
| Down payment | $15,554 |
|---|---|
| Loan amount | $436,351 |
| Principal and interest | $2,935 |
| Property taxes (0.45% a year) | $167 |
| Homeowners insurance (our estimate, 0.5% a year) | $185 |
| FHA mortgage insurance | $197 |
| Total per month | $3,484 |
Change the numbers in the calculator
Questions about home buying in Cache County
What is the median home value in Cache County?
About $444,400 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Cache County?
Homeowners pay a median $2,011 a year, which is about 0.45% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Cache County?
For the median home with 20% down at 7.11%, the payment is about $2,743 a month. Keeping that under 28% of gross income takes about $117,576 a year.
More about Cache County
- Mortgage Refinance in Cache County
- Debt Relief in Cache County
- Home Equity Loans in Cache County
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data