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Mona city, UT

ZIP 84645 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 84645

Median Home Value
$421,000
Median Rent
$493
Affordability Snapshot
$116,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,704/mo PITI).

6%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

4.5x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

71.2 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 84645 in Mona city, UT, a household would need roughly $116,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $2,704. That is about 24% above the local median household income ($93,750), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
88.8%+36% vs US avg
x
Vacancy Rate
4.3%-58% vs US avg
x
Broadband Access
82.5%-5% vs US avg
x
4+ Bedrooms
32.6%+121% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
2.7%-61% vs US avg
x
Rent Burden >30%
5.7%-89% vs US avg
x
Mortgage-Free
40.4%+6% vs US avg
x
$421,000
Home Value
$493
Rent
2001
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached91.3%
  • 1-unit attached2.6%
  • 2-9 units3.4%
  • 10+ units0.0%
  • Mobile home & other2.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$421,000
Median rent$493
Owner-occupied88.8%
Vacant4.3%
Price-to-income4.5x
Est. income to buy$116,000