Weekly Home Buyer Tip #1: Use a Home Affordability Calculator Before You Shop

Before you start scrolling through listings or daydreaming about backyard barbecues, it’s crucial to know what you can realistically afford in Utah County’s 2026 housing market. One of the smartest first steps? Use a home affordability calculator.

These online tools can help you quickly estimate how much house fits your budget by factoring in your income, debts, down payment, and current interest rates. Instead of guessing or relying on outdated rules of thumb, you get a clearer picture of what’s possible—right from the start.

• Why it matters: Utah County’s market is competitive and prices can shift quickly. Knowing your true budget helps you focus on homes that are within reach and avoid heartbreak later.
• How to use it: Gather your financial details, plug them into a reputable calculator (many banks and real estate sites offer them), and review the results. Don’t forget to include extra costs like taxes, insurance, and HOA fees!
• Pro tip: Use the results as a guide, but also talk to a local lender for a personalized pre-approval. This will give you even more confidence as you start your search.

Starting with a clear, realistic budget will make your home buying journey in Utah County smoother—and much less stressful. Stay tuned for next week’s tip! 

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