Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between Texas and Utah. Updated for 2026.
Metric
Texas
Utah
Median Home Price
$310K
$480K
Property Tax Rate
1.8%
0.58%
Avg Closing Costs
$5K
$6K
Closing Cost %
1.7%
1.3%
Transfer Tax
None
None
Homeowners Insurance
$3,800/yr
$1,200/yr
First-Time Buyer Program
TDHCA My First Texas Home
Up to 5% DPA grant
UHC FirstHome Loan
Up to 6% DPA second
Verdict
Utah wins 3 of 6 cost categories, making it the more affordable state for homebuyers overall. However, Texas 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.