Cedar City Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Cedar City averaged
6.9%
for the week of 2025-04-03, compared to the national average of
6.64% for the same period.
The average rate for the prior week (2025-03-27) was
6.71% and
one month ago for the week of 2025-02-27, the
average rate was 6.62%.
Cedar City's average rate one year ago was 6.65%.
For refis of the same type during the week of 2025-04-03, the average rate
was 6.55%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-04-03 | 6.64% |
| Cedar City 30 Year Fixed Rate | 2025-04-03 | 6.9% |
| Cedar City 30 Year Fixed Rate Refi | 2025-04-03 | 6.55% |
| Cedar City 15 Year Fixed Rate | 2025-04-03 | 6.02% |
| Cedar City 15 Year Fixed Rate Refi | 2025-04-03 | 6.02% |
| Cedar City 30 Year FHA | 2025-04-03 | 6% |
| Cedar City 30 Year FHA Refi | 2025-04-03 | 6.46% |
| Cedar City 30 Year USDA | 2025-04-03 | 6.32% |
| Cedar City 30 Year USDA Refi | 2025-04-03 | 6.32% |
| Cedar City 30 Year VA | 2025-04-03 | 5.82% |
| Cedar City 30 Year VA Refi | 2025-04-03 | 6.16% |
Cedar City Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the Cedar City, UT market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
Cedar City Average Closing Costs & Other Stats
Cedar City, UT's 94 lenders originated 1,790
loans during 2024. The total origination value was $518,760,000, with an average loan value of
$289,810.
Cedar City's average closing costs are $5,944.
The top Cedar City lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with
91 loans originated. Their average total fees are
$8,591, which is $3,035
higher than the next largest lender,
State Bank of Southern Utah.
The lowest fee Cedar City lenders (with over 10 loans originated) are
DHI MORTGAGE COMPANY, LTD. ($1,968), Sierra Pacific Mortgage Company, Inc. ($4,251), State Bank of Southern Utah ($5,557), SUN AMERICAN MORTGAGE COMPANY ($5,598) and INTERCAP LENDING INC. ($5,773).
The lowest rate Cedar City lenders (with over 10 loans originated) are
DHI MORTGAGE COMPANY, LTD. (5.62%), MOUNTAIN AMERICA (6.28%), AMERICAN FINANCIAL NETWORK, INC. (6.52%), QUICKEN LOANS, LLC (6.63%) and The Loan Store, Inc. (6.68%).
Cedar City, UT Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| UNITED WHOLESALE MORTGAGE, LLC | $67,185,000 | $62,825,000 | -6.5% | 12.1% |
| State Bank of Southern Utah | $54,110,000 | $51,020,000 | -5.7% | 9.8% |
| GUILD MORTGAGE COMPANY | $28,880,000 | $41,735,000 | 44.5% | 8.0% |
| MOUNTAIN AMERICA | $37,485,000 | $39,920,000 | 6.5% | 7.7% |
| AMERICAN FINANCIAL NETWORK, INC. | $26,820,000 | $30,105,000 | 12.2% | 5.8% |
| INTERCAP LENDING INC. | $16,030,000 | $26,205,000 | 63.5% | 5.1% |
| Prudential Huntoon Paige Associates, LLC | $23,225,000 | n/a | 4.5% | |
| QUICKEN LOANS, LLC | $18,215,000 | $21,890,000 | 20.2% | 4.2% |
| DHI MORTGAGE COMPANY, LTD. | $15,280,000 | $11,580,000 | -24.2% | 2.2% |
| AMERICA FIRST | $8,760,000 | $10,460,000 | 19.4% | 2.0% |
| Bank of Utah | $1,715,000 | $9,345,000 | 444.9% | 1.8% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $385,000 | $8,685,000 | 2,155.8% | 1.7% |
| Century Mortgage Company DBA Century Lending Company | $700,000 | $8,510,000 | 1,115.7% | 1.6% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | $7,745,000 | n/a | 1.5% | |
| Mortgage Research Center, LLC | $5,070,000 | $7,675,000 | 51.4% | 1.5% |
| BROKER SOLUTIONS, INC. | $13,060,000 | $7,420,000 | -43.2% | 1.4% |
| SUN AMERICAN MORTGAGE COMPANY | $8,215,000 | $7,095,000 | -13.6% | 1.4% |
| BELEM SERVICING LLC | $3,430,000 | $5,580,000 | 62.7% | 1.1% |
| The Loan Store, Inc. | $1,405,000 | $5,580,000 | 297.2% | 1.1% |
| FIRST COLONY MORTGAGE CORPORATION | $4,930,000 | $5,265,000 | 6.8% | 1.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | $4,370,000 | n/a | 0.8% | |
| FREEDOM MORTGAGE CORPORATION | $1,030,000 | $4,005,000 | 288.8% | 0.8% |
| Zions Bank | $7,700,000 | $3,970,000 | -48.4% | 0.8% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $2,420,000 | $3,905,000 | 61.4% | 0.8% |
| PENNYMAC LOAN SERVICES, LLC | $4,205,000 | $3,750,000 | -10.8% | 0.7% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $125,000 | $3,465,000 | 2,672.0% | 0.7% |
| Flagstar Bank, FSB | $6,495,000 | $3,410,000 | -47.5% | 0.7% |
| LOANDEPOT.COM, LLC | $930,000 | $2,985,000 | 221.0% | 0.6% |
| CMG MORTGAGE, INC. | $4,810,000 | $2,680,000 | -44.3% | 0.5% |
| Wells Fargo Bank | $840,000 | $2,655,000 | 216.1% | 0.5% |
| Sierra Pacific Mortgage Company, Inc. | $765,000 | $2,530,000 | 230.7% | 0.5% |
| NEWREZ LLC | $1,735,000 | $2,430,000 | 40.1% | 0.5% |
| FIRST TECHNOLOGY | $2,415,000 | n/a | 0.5% | |
| U.S. Bank | $4,850,000 | $2,125,000 | -56.2% | 0.4% |
| CORNERSTONE HOME LENDING, INC. | $175,000 | $2,100,000 | 1,100.0% | 0.4% |
| Bank of America | $150,000 | $2,080,000 | 1,286.7% | 0.4% |
| GUARANTEED RATE, INC. | $650,000 | $1,940,000 | 198.5% | 0.4% |
| NAVY FEDERAL CREDIT UNION | $1,125,000 | $1,655,000 | 47.1% | 0.3% |
| CHARTWAY FEDERAL CREDIT UNION | $2,205,000 | $1,590,000 | -27.9% | 0.3% |
| Cache Valley Bank | $2,560,000 | $1,565,000 | -38.9% | 0.3% |
| The Federal Savings Bank | $985,000 | $1,555,000 | 57.9% | 0.3% |
| USAA Federal Savings Bank | $650,000 | $1,550,000 | 138.5% | 0.3% |
| Deseret First Credit Union | $305,000 | $1,530,000 | 401.6% | 0.3% |
| Mr. Cooper ( Nationstar Mortgage ) | $930,000 | $1,515,000 | 62.9% | 0.3% |
| GOLDENWEST | $1,150,000 | $1,415,000 | 23.0% | 0.3% |
| SECURITY SERVICE | $3,680,000 | $1,400,000 | -62.0% | 0.3% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $1,390,000 | n/a | 0.3% | |
| CROSSCOUNTRY MORTGAGE, LLC | $1,145,000 | $1,380,000 | 20.5% | 0.3% |
| JPMorgan Chase Bank | $3,925,000 | $1,350,000 | -65.6% | 0.3% |
| BAY EQUITY LLC | $560,000 | $1,310,000 | 133.9% | 0.3% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $1,280,000 | n/a | 0.2% | |
| VILLAGE CAPITAL MORTGAGE | $2,240,000 | $1,125,000 | -49.8% | 0.2% |
| American Mortgage & Equity Consultants, Inc. | $585,000 | $1,115,000 | 90.6% | 0.2% |
| SUN WEST MORTGAGE COMPANY, INC. | $1,100,000 | n/a | 0.2% | |
| AMERISAVE MORTGAGE CORPORATION | $1,520,000 | $1,090,000 | -28.3% | 0.2% |
| NATIONS DIRECT MORTGAGE, LLC | $670,000 | $1,050,000 | 56.7% | 0.2% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $1,525,000 | $1,020,000 | -33.1% | 0.2% |
| NexBank | $1,015,000 | n/a | 0.2% | |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $215,000 | $1,010,000 | 369.8% | 0.2% |
| Paramount Residential Mortgage Group, Inc. | $540,000 | $955,000 | 76.9% | 0.2% |
| PLAZA HOME MORTGAGE, INC. | $940,000 | n/a | 0.2% | |
| 21ST MORTGAGE CORPORATION | $645,000 | $915,000 | 41.9% | 0.2% |
| Logan Finance Corporation | $915,000 | n/a | 0.2% | |
| AXIA FINANCIAL, LLC | $315,000 | $900,000 | 185.7% | 0.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $1,340,000 | $900,000 | -32.8% | 0.2% |
| Plains Commerce Bank | $2,245,000 | $880,000 | -60.8% | 0.2% |
| RANLIFE, INC. | $530,000 | $880,000 | 66.0% | 0.2% |
| LONGBRIDGE FINANCIAL, LLC | $575,000 | $865,000 | 50.4% | 0.2% |
| LOANPAL, LLC | $225,000 | $820,000 | 264.4% | 0.2% |
| NBH Bank | $545,000 | $810,000 | 48.6% | 0.2% |
| CANOPY MORTGAGE, LLC | $3,840,000 | $805,000 | -79.0% | 0.2% |
| PHH Mortgage Corporation | $145,000 | $805,000 | 455.2% | 0.2% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $1,140,000 | $800,000 | -29.8% | 0.2% |
| LAKEVIEW LOAN SERVICING, LLC | $235,000 | $790,000 | 236.2% | 0.2% |
| TOWNE MORTGAGE COMPANY | $785,000 | n/a | 0.2% | |
| AMWEST FUNDING CORP. | $1,345,000 | $770,000 | -42.8% | 0.1% |
| MOVEMENT MORTGAGE, LLC | $765,000 | n/a | 0.1% | |
| PLANET HOME LENDING, LLC | $755,000 | n/a | 0.1% | |
| MY MOVE MORTGAGE, LLC | $2,085,000 | $720,000 | -65.5% | 0.1% |
| AMERICAN FINANCING CORPORATION | $455,000 | $710,000 | 56.0% | 0.1% |
| Northwest Farm Credit Services, FLCA | $405,000 | $710,000 | 75.3% | 0.1% |
| Truist | $425,000 | $700,000 | 64.7% | 0.1% |
| UTAH FIRST | $185,000 | $695,000 | 275.7% | 0.1% |
| SECURITY HOME MORTGAGE, LLC. | $1,615,000 | $690,000 | -57.3% | 0.1% |
| ZILLOW HOME LOANS, LLC | $675,000 | n/a | 0.1% | |
| Citadel Servicing Corporation | $310,000 | $655,000 | 111.3% | 0.1% |
| Discover Bank | $500,000 | $640,000 | 28.0% | 0.1% |
| ENVOY MORTGAGE, LTD | $630,000 | n/a | 0.1% | |
| CARDINAL FINANCIAL | $825,000 | $620,000 | -24.8% | 0.1% |
| DIRECT MORTGAGE, CORP. | $760,000 | $620,000 | -18.4% | 0.1% |
| S1L, Inc. | $620,000 | n/a | 0.1% | |
| UTAH COMMUNITY | $675,000 | $620,000 | -8.1% | 0.1% |
| DEEPHAVEN MORTGAGE LLC | $165,000 | $610,000 | 269.7% | 0.1% |
| Northpointe Bank | $605,000 | n/a | 0.1% | |
| FINANCE OF AMERICA REVERSE LLC | $285,000 | $585,000 | 105.3% | 0.1% |
| GENEVA FINANCIAL, LLC | $890,000 | $585,000 | -34.3% | 0.1% |
| ARC HOME LLC | $535,000 | n/a | 0.1% | |
| First Federal Bank | $535,000 | n/a | 0.1% | |
| LADERA LENDING, INC. | $535,000 | n/a | 0.1% | |
| LENDSURE MORTGAGE CORP. | $500,000 | $535,000 | 7.0% | 0.1% |
| Figure Lending LLC | $25,000 | $505,000 | 1,920.0% | 0.1% |
| NBKC BANK | $335,000 | $505,000 | 50.7% | 0.1% |
| VERITAS FUNDING, LLC | $670,000 | $505,000 | -24.6% | 0.1% |
| NFM, INC. | $485,000 | n/a | 0.1% | |
| Carrington Mortgage Services, LLC | $985,000 | $470,000 | -52.3% | 0.1% |
| Hometown Equity Mortgage, LLC | $455,000 | $435,000 | -4.4% | 0.1% |
| MORTGAGEONE, INC. | $415,000 | $425,000 | 2.4% | 0.1% |
| CHURCHILL MORTGAGE CORPORATION | $325,000 | $405,000 | 24.6% | 0.1% |
| Toyota Financial Savings Bank | $405,000 | n/a | 0.1% | |
| FOUNDATION MORTGAGE CORPORATION | $385,000 | n/a | 0.1% | |
| PNC Bank | $55,000 | $365,000 | 563.6% | 0.1% |
| HOMEXPRESS MORTGAGE CORP. | $205,000 | $355,000 | 73.2% | 0.1% |
| HOMESIDE FINANCIAL, LLC | $335,000 | $345,000 | 3.0% | 0.1% |
| ON Q FINANCIAL, INC. | $345,000 | n/a | 0.1% | |
| AMERICAN INTERNET MORTGAGE, INC. | $335,000 | n/a | 0.1% | |
| CITYWIDE HOME LOANS, LLC | $1,565,000 | $335,000 | -78.6% | 0.1% |
| Magnolia Bank | $335,000 | n/a | 0.1% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $325,000 | n/a | 0.1% | |
| GARDNER FINANCIAL SERVICES, LTD. | $325,000 | n/a | 0.1% | |
| Strong Home Mortgage, LLC | $325,000 | n/a | 0.1% | |
| AMERITRUST MORTGAGE CORPORATION | $315,000 | n/a | 0.1% | |
| North American Savings Bank, F.S.B. | $315,000 | n/a | 0.1% | |
| CASTLE & COOKE MORTGAGE, LLC | $790,000 | $305,000 | -61.4% | 0.1% |
| GTE Federal Credit Union | $295,000 | n/a | 0.1% | |
| Points West Community Bank | $285,000 | n/a | 0.1% | |
| Bank-Fund Staff Federal Credit Union | $275,000 | n/a | 0.1% | |
| Equity Prime Mortgage LLC | $275,000 | n/a | 0.1% | |
| First National Bank Texas | $235,000 | $275,000 | 17.0% | 0.1% |
| Grand Valley Bank | $25,000 | $275,000 | 1,000.0% | 0.1% |
| TRIAD FINANCIAL SERVICES, INC. | $275,000 | n/a | 0.1% | |
| THRIVENT Federal Credit Union | $265,000 | n/a | 0.1% | |
| Utah Mortgage Loan Corporation | $680,000 | $255,000 | -62.5% | 0.0% |
| Charles Schwab Bank, SSB | $225,000 | n/a | 0.0% | |
| V.I.P. MORTGAGE, INC. | $225,000 | n/a | 0.0% | |
| NEXERA HOLDING LLC | $210,000 | n/a | 0.0% | |
| Eagle Bank and Trust Company | $205,000 | n/a | 0.0% | |
| LOS ANGELES POLICE Federal Credit Union | $205,000 | n/a | 0.0% | |
| M&T Bank | $155,000 | $205,000 | 32.3% | 0.0% |
| FAY SERVICING, LLC | $195,000 | n/a | 0.0% | |
| Barrington Bank & Trust Company, N.A. | $185,000 | n/a | 0.0% | |
| Nations Lending Corporation | $185,000 | n/a | 0.0% | |
| LANTZMAN MANAGEMENT, INC. | $165,000 | n/a | 0.0% | |
| BMO Harris Bank | $155,000 | n/a | 0.0% | |
| Firefighters First Federal Credit Union | $330,000 | $155,000 | -53.0% | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $135,000 | n/a | 0.0% | |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $405,000 | $125,000 | -69.1% | 0.0% |
| SPRING EQ, LLC | $100,000 | $105,000 | 5.0% | 0.0% |
| University First Federal Credit Union | $615,000 | $105,000 | -82.9% | 0.0% |
| Utah Power | $705,000 | $105,000 | -85.1% | 0.0% |
| Renasant Bank | $95,000 | n/a | 0.0% | |
| Wasatch Peaks Federal Credit Union | $95,000 | n/a | 0.0% | |
| CYPRUS Federal Credit Union | $400,000 | $75,000 | -81.3% | 0.0% |
| BETTER MORTGAGE CORPORATION | $55,000 | n/a | 0.0% | |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $35,000 | n/a | 0.0% | |
| Coastal Community Bank | $360,000 | $15,000 | -95.8% | 0.0% |
Cedar City's top lender by overall market share is UNITED WHOLESALE MORTGAGE, LLC, with 12.1% market share. In second place, with 9.8%, is State Bank of Southern Utah, having originated $51,020,000 in loans. In third place, with 8.0%, is GUILD MORTGAGE COMPANY, having originated $41,735,000 in loans. In fourth place, with 7.7%, is MOUNTAIN AMERICA, having originated $39,920,000 in loans. In fifth place, with 5.8%, is AMERICAN FINANCIAL NETWORK, INC., having originated $30,105,000 in loans.
Cedar City Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - Cedar City (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
|---|---|---|---|---|
| 2018-01-01 | $257,675 (17.2%) | $313,487 (2.5%) | 0.00 | 422 |
| 2018-02-01 | $256,350 (16.3%) | $310,480 (-1.0%) | 0.00 | 444 |
| 2018-03-01 | $249,900 (11.8%) | $304,144 (0.3%) | 0.00 | 449 |
| 2018-04-01 | $253,150 (10.1%) | $314,585 (3.9%) | 0.00 | 472 |
| 2018-05-01 | $254,925 (8.5%) | $314,965 (3.0%) | 0.00 | 492 |
| 2018-06-01 | $265,000 (12.7%) | $326,910 (5.3%) | 0.00 | 510 |
| 2018-07-01 | $261,528 (13.7%) | $328,142 (8.4%) | 0.00 | 540 |
| 2018-08-01 | $255,400 (8.6%) | $329,951 (7.5%) | 0.00 | 514 |
| 2018-09-01 | $263,900 (10.2%) | $338,731 (8.8%) | 0.00 | 494 |
| 2018-10-01 | $249,950 (1.4%) | $326,220 (5.1%) | 0.00 | 482 |
| 2018-11-01 | $252,500 (1.0%) | $314,711 (3.6%) | 0.00 | 460 |
| 2018-12-01 | $249,900 (0.0%) | $306,059 (1.9%) | 0.00 | 437 |
| 2019-01-01 | $255,686 (-0.8%) | $313,952 (0.2%) | 0.00 | 413 |
| 2019-02-01 | $259,450 (1.2%) | $320,792 (3.3%) | 0.00 | 407 |
| 2019-03-01 | $257,043 (2.9%) | $316,006 (3.9%) | 0.00 | 420 |
| 2019-04-01 | $259,900 (2.7%) | $313,865 (-0.2%) | 0.00 | 428 |
| 2019-05-01 | $264,950 (3.9%) | $315,886 (0.3%) | 0.00 | 427 |
| 2019-06-01 | $250,000 (-5.7%) | $314,951 (-3.7%) | 0.00 | 484 |
| 2019-07-01 | $257,975 (-1.4%) | $319,027 (-2.8%) | 0.00 | 491 |
| 2019-08-01 | $259,600 (1.6%) | $320,805 (-2.8%) | 0.00 | 475 |
| 2019-09-01 | $259,825 (-1.5%) | $323,137 (-4.6%) | 0.00 | 450 |
| 2019-10-01 | $263,950 (5.6%) | $324,692 (-0.5%) | 0.00 | 435 |
| 2019-11-01 | $268,900 (6.5%) | $323,026 (2.6%) | 0.00 | 421 |
| 2019-12-01 | $267,500 (7.0%) | $324,673 (6.1%) | 0.00 | 419 |
| 2020-01-01 | $269,000 (5.2%) | $334,734 (6.6%) | 0.00 | 405 |
| 2020-02-01 | $275,000 (6.0%) | $340,510 (6.2%) | 0.00 | 353 |
| 2020-03-01 | $289,450 (12.6%) | $339,407 (7.4%) | 0.00 | 363 |
| 2020-04-01 | $289,925 (11.6%) | $337,676 (7.6%) | 0.00 | 395 |
| 2020-05-01 | $289,900 (9.4%) | $332,529 (5.3%) | 0.00 | 396 |
| 2020-06-01 | $289,821 (15.9%) | $329,579 (4.6%) | 0.00 | 384 |
| 2020-07-01 | $299,250 (16.0%) | $336,580 (5.5%) | 0.00 | 317 |
| 2020-08-01 | $339,000 (30.6%) | $416,736 (29.9%) | 0.00 | 245 |
| 2020-09-01 | $342,450 (31.8%) | $459,331 (42.2%) | 0.00 | 188 |
| 2020-10-01 | $339,000 (28.4%) | $470,116 (44.8%) | 0.00 | 163 |
| 2020-11-01 | $329,225 (22.4%) | $485,046 (50.2%) | 0.00 | 156 |
| 2020-12-01 | $346,250 (29.4%) | $486,574 (49.9%) | 0.00 | 145 |
| 2021-01-01 | $347,000 (29.0%) | $509,930 (52.3%) | 0.00 | 129 |
| 2021-02-01 | $349,950 (27.3%) | $530,863 (55.9%) | 0.00 | 113 |
| 2021-03-01 | $359,900 (24.3%) | $530,969 (56.4%) | 0.00 | 117 |
| 2021-04-01 | $371,725 (28.2%) | $528,486 (56.5%) | 0.00 | 116 |
| 2021-05-01 | $399,900 (37.9%) | $515,393 (55.0%) | 0.00 | 117 |
| 2021-06-01 | $417,450 (44.0%) | $545,215 (65.4%) | 0.00 | 138 |
| 2021-07-01 | $405,900 (35.6%) | $542,178 (61.1%) | 0.00 | 187 |
| 2021-08-01 | $412,475 (21.7%) | $556,207 (33.5%) | 0.00 | 180 |
| 2021-09-01 | $409,725 (19.7%) | $543,610 (18.4%) | 0.00 | 197 |
| 2021-10-01 | $419,900 (23.9%) | $549,857 (17.0%) | 0.00 | 177 |
| 2021-11-01 | $420,750 (27.8%) | $569,434 (17.4%) | 0.00 | 152 |
| 2021-12-01 | $427,725 (23.5%) | $552,931 (13.6%) | 0.00 | 144 |
| 2022-01-01 | $435,000 (25.4%) | $543,805 (6.6%) | 0.00 | 129 |
| 2022-02-01 | $478,500 (36.7%) | $566,653 (6.7%) | 0.00 | 141 |
| 2022-03-01 | $450,000 (25.0%) | $561,831 (5.8%) | 0.00 | 135 |
| 2022-04-01 | $484,450 (30.3%) | $577,227 (9.2%) | 0.00 | 188 |
| 2022-05-01 | $457,450 (14.4%) | $560,199 (8.7%) | 0.00 | 255 |
| 2022-06-01 | $445,750 (6.8%) | $561,489 (3.0%) | 0.00 | 349 |
| 2022-07-01 | $444,800 (9.6%) | $552,420 (1.9%) | 0.00 | 413 |
| 2022-08-01 | $440,000 (6.7%) | $549,585 (-1.2%) | 0.00 | 432 |
| 2022-09-01 | $457,500 (11.7%) | $554,580 (2.0%) | 0.00 | 410 |
| 2022-10-01 | $450,000 (7.2%) | $546,920 (-0.5%) | 0.00 | 385 |
| 2022-11-01 | $439,325 (4.4%) | $534,770 (-6.1%) | 0.00 | 376 |
| 2022-12-01 | $445,000 (4.0%) | $539,229 (-2.5%) | 0.00 | 353 |
| 2023-01-01 | $435,000 (0.0%) | $520,187 (-4.3%) | 0.00 | 308 |
| 2023-02-01 | $433,675 (-9.4%) | $521,626 (-8.0%) | 0.00 | 311 |
| 2023-03-01 | $429,900 (-4.5%) | $518,616 (-7.7%) | 0.00 | 300 |
| 2023-04-01 | $429,900 (-11.3%) | $532,367 (-7.8%) | 0.00 | 311 |
| 2023-05-01 | $431,225 (-5.7%) | $543,608 (-3.0%) | 0.00 | 333 |
| 2023-06-01 | $436,000 (-2.2%) | $545,691 (-2.8%) | 0.00 | 354 |
| 2023-07-01 | $437,500 (-1.6%) | $525,751 (-4.8%) | 0.00 | 380 |
| 2023-08-01 | $433,500 (-1.5%) | $536,854 (-2.3%) | 0.00 | 371 |
| 2023-09-01 | $440,000 (-3.8%) | $547,287 (-1.3%) | 0.00 | 357 |
| 2023-10-01 | $449,925 (0.0%) | $547,783 (0.2%) | 0.00 | 354 |
| 2023-11-01 | $449,200 (2.3%) | $548,284 (2.5%) | 0.00 | 346 |
| 2023-12-01 | $445,950 (0.2%) | $537,557 (-0.3%) | 0.00 | 321 |
| 2024-01-01 | $432,000 (-0.7%) | $492,773 (-5.3%) | 0.00 | 307 |
| 2024-02-01 | $419,500 (-3.3%) | $487,932 (-6.5%) | 0.00 | 316 |
| 2024-03-01 | $429,700 (-0.1%) | $501,772 (-3.3%) | 0.00 | 339 |
| 2024-04-01 | $429,925 (0.0%) | $488,791 (-8.2%) | 0.00 | 350 |
| 2024-05-01 | $429,450 (-0.4%) | $508,542 (-6.5%) | 0.00 | 376 |
| 2024-06-01 | $437,000 (0.2%) | $534,373 (-2.1%) | 0.00 | 402 |
| 2024-07-01 | $429,975 (-1.7%) | $526,682 (0.2%) | 0.00 | 433 |
| 2024-08-01 | $425,000 (-2.0%) | $511,812 (-4.7%) | 0.00 | 447 |
| 2024-09-01 | $429,950 (-2.3%) | $507,551 (-7.3%) | 0.00 | 462 |
| 2024-10-01 | $429,500 (-4.5%) | $510,507 (-6.8%) | 0.00 | 464 |
| 2024-11-01 | $430,000 (-4.3%) | $523,150 (-4.6%) | 0.00 | 444 |
| 2024-12-01 | $425,000 (-4.7%) | $514,915 (-4.2%) | 0.00 | 414 |
| 2025-01-01 | $425,000 (-1.6%) | $507,511 (3.0%) | 0.00 | 405 |
| 2025-02-01 | $422,450 (0.7%) | $512,376 (5.0%) | 0.00 | 413 |
| 2025-03-01 | $429,000 (-0.2%) | $530,592 (5.7%) | 0.00 | 426 |
Cedar City's median listing price comes in at 0% of the national average.
Cedar City's average listing price for 2025-03-01 was $530,592, a difference of $28,820 (5.7%) versus the prior year and $18,216 versus the prior month.
For the 2025-03-01 period, Cedar City had 426 MLS listings, a difference of 13 listings (3%) versus the prior month and 87 listings (26%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Cedar City (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 0 days | 2,089 sqft |
| 2018-02-01 | 0 days | 2,110 sqft |
| 2018-03-01 | 0 days | 2,080 sqft |
| 2018-04-01 | 0 days | 2,104 sqft |
| 2018-05-01 | 0 days | 2,083 sqft |
| 2018-06-01 | 0 days | 2,208 sqft |
| 2018-07-01 | 0 days | 2,106 sqft |
| 2018-08-01 | 0 days | 2,078 sqft |
| 2018-09-01 | 0 days | 2,145 sqft |
| 2018-10-01 | 0 days | 2,077 sqft |
| 2018-11-01 | 0 days | 2,086 sqft |
| 2018-12-01 | 0 days | 2,016 sqft |
| 2019-01-01 | 0 days | 2,084 sqft |
| 2019-02-01 | 0 days | 2,033 sqft |
| 2019-03-01 | 0 days | 1,958 sqft |
| 2019-04-01 | 0 days | 1,951 sqft |
| 2019-05-01 | 0 days | 1,909 sqft |
| 2019-06-01 | 0 days | 1,892 sqft |
| 2019-07-01 | 0 days | 1,868 sqft |
| 2019-08-01 | 0 days | 1,889 sqft |
| 2019-09-01 | 0 days | 1,877 sqft |
| 2019-10-01 | 0 days | 1,897 sqft |
| 2019-11-01 | 0 days | 1,944 sqft |
| 2019-12-01 | 0 days | 1,882 sqft |
| 2020-01-01 | 0 days | 1,898 sqft |
| 2020-02-01 | 0 days | 1,899 sqft |
| 2020-03-01 | 0 days | 1,901 sqft |
| 2020-04-01 | 0 days | 1,912 sqft |
| 2020-05-01 | 0 days | 1,855 sqft |
| 2020-06-01 | 0 days | 1,852 sqft |
| 2020-07-01 | 0 days | 1,959 sqft |
| 2020-08-01 | 0 days | 2,258 sqft |
| 2020-09-01 | 0 days | 2,276 sqft |
| 2020-10-01 | 0 days | 2,210 sqft |
| 2020-11-01 | 0 days | 2,092 sqft |
| 2020-12-01 | 0 days | 2,078 sqft |
| 2021-01-01 | 0 days | 1,899 sqft |
| 2021-02-01 | 0 days | 1,939 sqft |
| 2021-03-01 | 0 days | 2,030 sqft |
| 2021-04-01 | 0 days | 2,017 sqft |
| 2021-05-01 | 0 days | 1,983 sqft |
| 2021-06-01 | 0 days | 2,308 sqft |
| 2021-07-01 | 0 days | 2,118 sqft |
| 2021-08-01 | 0 days | 1,923 sqft |
| 2021-09-01 | 0 days | 1,957 sqft |
| 2021-10-01 | 0 days | 1,808 sqft |
| 2021-11-01 | 0 days | 1,809 sqft |
| 2021-12-01 | 0 days | 1,827 sqft |
| 2022-01-01 | 0 days | 1,843 sqft |
| 2022-02-01 | 0 days | 1,904 sqft |
| 2022-03-01 | 0 days | 1,909 sqft |
| 2022-04-01 | 0 days | 1,927 sqft |
| 2022-05-01 | 0 days | 1,815 sqft |
| 2022-06-01 | 0 days | 1,831 sqft |
| 2022-07-01 | 0 days | 1,824 sqft |
| 2022-08-01 | 0 days | 1,878 sqft |
| 2022-09-01 | 0 days | 1,984 sqft |
| 2022-10-01 | 0 days | 1,950 sqft |
| 2022-11-01 | 0 days | 1,919 sqft |
| 2022-12-01 | 0 days | 1,880 sqft |
| 2023-01-01 | 0 days | 1,842 sqft |
| 2023-02-01 | 0 days | 1,832 sqft |
| 2023-03-01 | 0 days | 1,824 sqft |
| 2023-04-01 | 0 days | 1,810 sqft |
| 2023-05-01 | 0 days | 1,821 sqft |
| 2023-06-01 | 0 days | 1,822 sqft |
| 2023-07-01 | 0 days | 1,800 sqft |
| 2023-08-01 | 0 days | 1,811 sqft |
| 2023-09-01 | 0 days | 1,880 sqft |
| 2023-10-01 | 0 days | 1,864 sqft |
| 2023-11-01 | 0 days | 1,831 sqft |
| 2023-12-01 | 0 days | 1,800 sqft |
| 2024-01-01 | 0 days | 1,797 sqft |
| 2024-02-01 | 0 days | 1,715 sqft |
| 2024-03-01 | 0 days | 1,759 sqft |
| 2024-04-01 | 0 days | 1,715 sqft |
| 2024-05-01 | 0 days | 1,720 sqft |
| 2024-06-01 | 0 days | 1,808 sqft |
| 2024-07-01 | 0 days | 1,796 sqft |
| 2024-08-01 | 0 days | 1,776 sqft |
| 2024-09-01 | 0 days | 1,806 sqft |
| 2024-10-01 | 0 days | 1,811 sqft |
| 2024-11-01 | 0 days | 1,806 sqft |
| 2024-12-01 | 0 days | 1,793 sqft |
| 2025-01-01 | 0 days | 1,769 sqft |
| 2025-02-01 | 0 days | 1,801 sqft |
| 2025-03-01 | 0 days | 1,773 sqft |
Cedar City's median square footage for active listings during the 2025-03-01 period was 1,773 sqft. One year prior, the average listing was 1,759 sqft.
Cedar City, UT Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 946 | $332,000,000 | $350,951 |
| Refi | 273 | $75,045,000 | $274,890 |
| Other | 229 | $28,795,000 | $125,742 |
| Home Improvement | 184 | $18,780,000 | $102,065 |
| Cash Out Refi | 158 | $64,140,000 | $405,949 |
Cedar City's most frequently cited loan purpose was Home Purchase, with 946 originations. The 2nd most popular reason was Refi, with 273 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 674 | $229,410,000 | $340,371 |
| Over 8% | 411 | $63,965,000 | $155,633 |
| 7-8% | 375 | $96,865,000 | $258,307 |
| 5-6% | 285 | $118,415,000 | $415,491 |
| 4-5% | 25 | $7,505,000 | $300,200 |
| 2.5-3% | 11 | $1,215,000 | $110,455 |
| <2.5% | 3 | $475,000 | $158,333 |
| 3-4% | 2 | $140,000 | $70,000 |
During 2024, Cedar City's most frequently originated rate bucket was 6-7%, with 674 originations.
Loan Sizing (Cedar City, UT MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 746 | $220,590,000 | $295,697 |
| $100,000 or less | 366 | $19,020,000 | $51,967 |
| $100k-200k | 301 | $42,915,000 | $142,575 |
| $400k-600k | 288 | $136,020,000 | $472,292 |
| $600k-1000k | 78 | $57,120,000 | $732,308 |
| $Over $1MM | 11 | $43,095,000 | $3,917,727 |
Cedar City's loan sizing saw the bucket of loans from $200k-400k with 746 originations, totaling $220,590,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 558 | $216,590,000 | $388,154 |
| Under 20% | 358 | $23,100,000 | $64,525 |
| 60-80% | 355 | $135,345,000 | $381,254 |
| 20-40% | 260 | $42,730,000 | $164,346 |
| 40-60% | 219 | $86,705,000 | $395,913 |
| Over 100% | 20 | $8,710,000 | $435,500 |
Cedar City's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 558 originations, totaling $216,590,000 in origination value.