Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between Utah and Virginia. Updated for 2026.
Metric
Utah
Virginia
Median Home Price
$480K
$400K
Property Tax Rate
0.58%
0.82%
Avg Closing Costs
$6K
$6K
Closing Cost %
1.3%
1.5%
Transfer Tax
None
0.25%
Homeowners Insurance
$1,200/yr
$1,700/yr
First-Time Buyer Program
UHC FirstHome Loan
Up to 6% DPA second
Virginia Housing DPA Grant
Up to 2.5% grant
Verdict
Utah wins 4 of 6 cost categories, making it the more affordable state for homebuyers overall. However, Virginia 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.