Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between Massachusetts and Utah. Updated for 2026.
Metric
Massachusetts
Utah
Median Home Price
$595K
$480K
Property Tax Rate
1.2%
0.58%
Avg Closing Costs
$10K
$6K
Closing Cost %
1.6%
1.3%
Transfer Tax
0.456%
None
Homeowners Insurance
$2,200/yr
$1,200/yr
First-Time Buyer Program
MassHousing DPA
Up to $50,000 DPA loan
UHC FirstHome Loan
Up to 6% DPA second
Verdict
Utah wins 6 of 6 cost categories, making it the more affordable state for homebuyers overall. With a median home price of $480K and lower overall costs, Utah offers meaningful savings compared to Massachusetts. Both states offer first-time buyer programs — explore the state pages for full details.