Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between Alabama and Utah. Updated for 2026.
Metric
Alabama
Utah
Median Home Price
$230K
$480K
Property Tax Rate
0.41%
0.58%
Avg Closing Costs
$3K
$6K
Closing Cost %
1.4%
1.3%
Transfer Tax
None
None
Homeowners Insurance
$1,950/yr
$1,200/yr
First-Time Buyer Program
Alabama Housing Finance Authority Step Up
Up to $10,000 DPA
UHC FirstHome Loan
Up to 6% DPA second
Verdict
Alabama wins 3 of 6 cost categories, making it the more affordable state for homebuyers overall. With a median home price of $230K and lower overall costs, Alabama offers meaningful savings compared to Utah. Both states offer first-time buyer programs — explore the state pages for full details.