The typical owner-occupied home in Montezuma Creek is worth about $38,200, 92% below the Utah median of $489,400 and 89% below the national median of $332,700. 75% of occupied homes here are lived in by their owners, and 5% of those owners still have a mortgage.
Montezuma Creek at a glance
| Montezuma Creek | Utah | U.S. | |
|---|---|---|---|
| Median home value | $38,200 | $489,400 | $332,700 |
| Median property tax paid per year | – | $2,525 | $3,119 |
| Median household income | – | $95,166 | $80,734 |
| Homes lived in by their owners | 75% | 70% | 65% |
| Owner homes with a mortgage | 5% | 69% | 61% |
| Median monthly costs, owners with a mortgage | – | $2,009 | $1,963 |
| Median rent | – | $1,496 | $1,413 |
| Median year homes were built | 1988 | 1992 | 1980 |
| Vacant homes | 19.8% | 8.1% | 10.1% |
| Population | 239 | 3,392,331 | 334,922,499 |
What a typical home costs per month in Montezuma Creek
At this week's average 30-year rate of 7.11%, buying the median Montezuma Creek home of $38,200 with 20% down costs about $257 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $320, 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 $10,993 for the 20%-down payment.
| Down payment | $7,640 |
|---|---|
| Loan amount | $30,560 |
| Principal and interest | $206 |
| Property taxes (1.10% a year) | $35 |
| Homeowners insurance (our estimate, 0.5% a year) | $16 |
| PMI | $0 |
| Total per month | $257 |
Change the numbers in the calculator
| Down payment | $1,337 |
|---|---|
| Loan amount | $37,508 |
| Principal and interest | $252 |
| Property taxes (1.10% a year) | $35 |
| Homeowners insurance (our estimate, 0.5% a year) | $16 |
| FHA mortgage insurance | $17 |
| Total per month | $320 |
Change the numbers in the calculator
Questions about home buying in Montezuma Creek
What is the median home value in Montezuma Creek?
About $38,200 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
What income do you need to buy a home in Montezuma Creek?
For the median home with 20% down at 7.11%, the payment is about $257 a month. Keeping that under 28% of gross income takes about $10,993 a year.
More about Montezuma Creek
- Mortgage Refinance in Montezuma Creek
- Debt Relief in Montezuma Creek
- Home Equity Loans in Montezuma Creek
- 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