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 |
How much equity Montezuma Creek owners could borrow
Home equity is what your home is worth minus what you owe. Most lenders let you borrow until your loans add up to 80% to 85% of the home's value. For the median Montezuma Creek home of $38,200, 80% is $30,560.
95% of Montezuma Creek owners have no mortgage at all, so they could borrow up to the full 80% limit.
If you instead refinance and take cash out, the whole loan moves to the new rate (this week's 30-year average is 7.11%). A home equity loan or line of credit keeps your current first mortgage, which is usually better when your existing rate is lower than today's.
| Owe nothing | $30,560 to $32,470 |
|---|---|
| Owe $9,550 | $21,010 to $22,920 |
| Owe $19,100 | $11,460 to $13,370 |
| Owe $24,830 | $5,730 to $7,640 |
Before the lender's own limits, fees and your credit and income checks.
Change the numbers in the calculator
Questions about home equity loans 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.
How much can I borrow against my home in Montezuma Creek?
Usually up to 80% to 85% of your home's value, minus what you owe. On the median home of $38,200, an 80% limit is $30,560 before subtracting your mortgage.
More about Montezuma Creek
- Mortgage Refinance in Montezuma Creek
- Home Buying in Montezuma Creek
- Debt Relief 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