Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between Tennessee and Utah. Updated for 2026.
Metric
Tennessee
Utah
Median Home Price
$340K
$480K
Property Tax Rate
0.56%
0.58%
Avg Closing Costs
$5K
$6K
Closing Cost %
1.5%
1.3%
Transfer Tax
0.37%
None
Homeowners Insurance
$2,400/yr
$1,200/yr
First-Time Buyer Program
THDA Great Choice Home Loan
Up to $25,000 DPA
UHC FirstHome Loan
Up to 6% DPA second
Verdict
Tennessee and Utah are evenly matched across major housing cost categories. Your decision may come down to other factors like job market, climate, or lifestyle preferences. Use the calculators below to model your specific scenario.