The typical owner-occupied home in Bluff is worth about $402,000, 18% below the Utah median of $489,400 and 21% above the national median of $332,700. Owners pay a median $1,768 a year in property taxes, about 0.44% of their home's value, lower than the Utah rate of 0.52%. The median household earns $56,042 a year, so the median home costs 7.2 times the median income (5.1 times for Utah). 80% of occupied homes here are lived in by their owners, and 19% of those owners still have a mortgage.
Bluff at a glance
| Bluff | Utah | U.S. | |
|---|---|---|---|
| Median home value | $402,000 | $489,400 | $332,700 |
| Median property tax paid per year | $1,768 | $2,525 | $3,119 |
| Property tax as a share of value | 0.44% | 0.52% | 0.94% |
| Median household income | $56,042 | $95,166 | $80,734 |
| Homes lived in by their owners | 80% | 70% | 65% |
| Owner homes with a mortgage | 19% | 69% | 61% |
| Median monthly costs, owners with a mortgage | – | $2,009 | $1,963 |
| Median rent | – | $1,496 | $1,413 |
| Median year homes were built | 1978 | 1992 | 1980 |
| Vacant homes | 36.1% | 8.1% | 10.1% |
| Population | 233 | 3,392,331 | 334,922,499 |
What a typical home costs per month in Bluff
At this week's average 30-year rate of 7.11%, buying the median Bluff home of $402,000 with 20% down costs about $2,478 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $3,148, 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 $106,214 for the 20%-down payment. That payment is 53% of the median Bluff household income of $56,042; at that income and 20% down, the 28% guideline points to a home of about $212,000.
| Down payment | $80,400 |
|---|---|
| Loan amount | $321,600 |
| Principal and interest | $2,163 |
| Property taxes (0.44% a year) | $147 |
| Homeowners insurance (our estimate, 0.5% a year) | $168 |
| PMI | $0 |
| Total per month | $2,478 |
Change the numbers in the calculator
| Down payment | $14,070 |
|---|---|
| Loan amount | $394,719 |
| Principal and interest | $2,655 |
| Property taxes (0.44% a year) | $147 |
| Homeowners insurance (our estimate, 0.5% a year) | $168 |
| FHA mortgage insurance | $178 |
| Total per month | $3,148 |
Change the numbers in the calculator
Questions about home buying in Bluff
What is the median home value in Bluff?
About $402,000 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Bluff?
Homeowners pay a median $1,768 a year, which is about 0.44% 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 Bluff?
For the median home with 20% down at 7.11%, the payment is about $2,478 a month. Keeping that under 28% of gross income takes about $106,214 a year.
More about Bluff
- Mortgage Refinance in Bluff
- Debt Relief in Bluff
- Home Equity Loans in Bluff
- 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