Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between Maryland and Utah. Updated for 2026.
Metric
Maryland
Utah
Median Home Price
$420K
$480K
Property Tax Rate
1.09%
0.58%
Avg Closing Costs
$11K
$6K
Closing Cost %
2.5%
1.3%
Transfer Tax
1.5%
None
Homeowners Insurance
$1,700/yr
$1,200/yr
First-Time Buyer Program
MD Mortgage Program
Up to $25,000 DPA
UHC FirstHome Loan
Up to 6% DPA second
Verdict
Utah wins 5 of 6 cost categories, making it the more affordable state for homebuyers overall. However, Maryland has a lower total cost when combining home price, closing costs, and insurance. Both states offer first-time buyer programs — explore the state pages for full details.