Cedar City Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Cedar City averaged
7.13%
for the week of 2026-11-05, compared to the national average of
7.18% for the same period.
The average rate for the prior week (2026-10-29) was
7.29% and
one month ago for the week of 2026-10-01, the
average rate was 7.53%.
Cedar City's average rate one year ago was 6.42%.
For refis of the same type during the week of 2026-11-05, the average rate
was 7.25%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2026-11-05 | 7.18% |
| Cedar City 30 Year Fixed Rate | 2026-11-05 | 7.13% |
| Cedar City 30 Year Fixed Rate Refi | 2026-11-05 | 7.25% |
| Cedar City 15 Year Fixed Rate | 2026-11-05 | 6.47% |
| Cedar City 15 Year Fixed Rate Refi | 2026-11-05 | 7.07% |
| Cedar City 30 Year FHA | 2026-11-05 | 6.79% |
| Cedar City 30 Year FHA Refi | 2026-11-05 | 6.83% |
| Cedar City 30 Year USDA | 2026-11-05 | 6.9% |
| Cedar City 30 Year USDA Refi | 2026-11-05 | 7.1% |
| Cedar City 30 Year VA | 2026-11-05 | 6.5% |
| Cedar City 30 Year VA Refi | 2026-11-05 | 6.76% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Cedar City, UT.
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 99 lenders originated 2,096
loans during 2025. The total origination value was $663,940,000, with an average loan value of
$316,765.
Cedar City's average closing costs are $6,224.
The top Cedar City lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with
134 loans originated. Their average total fees are
$8,231, which is $1,432
higher than the next largest lender,
AMERICAN FINANCIAL NETWORK, INC..
The lowest fee Cedar City lenders (with over 10 loans originated) are
DHI MORTGAGE COMPANY, LTD. ($2,598), State Bank of Southern Utah ($4,509), SUN AMERICAN MORTGAGE COMPANY ($4,913), The Loan Store, Inc. ($6,097) and MOUNTAIN AMERICA ($6,391).
The lowest rate Cedar City lenders (with over 10 loans originated) are
DHI MORTGAGE COMPANY, LTD. (5.86%), MOUNTAIN AMERICA (6.24%), PENNYMAC LOAN SERVICES, LLC (6.32%), The Loan Store, Inc. (6.45%) and QUICKEN LOANS, LLC (6.55%).
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 | 2024 Loan Value | 2025 Loan Value | % Change | 2025 Market Share |
|---|---|---|---|---|
| UNITED WHOLESALE MORTGAGE, LLC | $62,825,000 | $89,220,000 | 42.0% | 13.4% |
| GUILD MORTGAGE COMPANY | $41,735,000 | $45,405,000 | 8.8% | 6.8% |
| State Bank of Southern Utah | $51,020,000 | $44,590,000 | -12.6% | 6.7% |
| MOUNTAIN AMERICA | $39,920,000 | $44,515,000 | 11.5% | 6.7% |
| AMERICAN FINANCIAL NETWORK, INC. | $30,105,000 | $41,720,000 | 38.6% | 6.3% |
| Banner Bank | $40,005,000 | n/a | 6.0% | |
| QUICKEN LOANS, LLC | $21,890,000 | $34,125,000 | 55.9% | 5.1% |
| INTERCAP LENDING INC. | $26,205,000 | $30,890,000 | 17.9% | 4.7% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $8,685,000 | $17,040,000 | 96.2% | 2.6% |
| DHI MORTGAGE COMPANY, LTD. | $11,580,000 | $14,820,000 | 28.0% | 2.2% |
| Zions Bank | $3,970,000 | $13,820,000 | 248.1% | 2.1% |
| PENNYMAC LOAN SERVICES, LLC | $3,750,000 | $12,730,000 | 239.5% | 1.9% |
| The Loan Store, Inc. | $5,580,000 | $12,250,000 | 119.5% | 1.8% |
| SECURITYNATIONAL MORTGAGE COMPANY | $4,370,000 | $11,885,000 | 172.0% | 1.8% |
| SUN AMERICAN MORTGAGE COMPANY | $7,095,000 | $9,785,000 | 37.9% | 1.5% |
| Mortgage Research Center, LLC | $7,675,000 | $9,600,000 | 25.1% | 1.4% |
| AMERICA FIRST | $10,460,000 | $8,835,000 | -15.5% | 1.3% |
| SECURITY SERVICE | $1,400,000 | $8,835,000 | 531.1% | 1.3% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | $7,745,000 | $8,230,000 | 6.3% | 1.2% |
| Century Mortgage Company DBA Century Lending Company | $8,510,000 | $8,095,000 | -4.9% | 1.2% |
| FREEDOM MORTGAGE CORPORATION | $4,005,000 | $8,015,000 | 100.1% | 1.2% |
| CANOPY MORTGAGE, LLC | $805,000 | $4,290,000 | 432.9% | 0.6% |
| U.S. Bank | $2,125,000 | $4,165,000 | 96.0% | 0.6% |
| BELEM SERVICING LLC | $5,580,000 | $3,945,000 | -29.3% | 0.6% |
| Plains Commerce Bank | $880,000 | $3,835,000 | 335.8% | 0.6% |
| FIRST COLONY MORTGAGE CORPORATION | $5,265,000 | $3,820,000 | -27.4% | 0.6% |
| CROSSCOUNTRY MORTGAGE, LLC | $1,380,000 | $3,630,000 | 163.0% | 0.5% |
| LAKEVIEW LOAN SERVICING, LLC | $790,000 | $3,560,000 | 350.6% | 0.5% |
| CMG MORTGAGE, INC. | $2,680,000 | $3,450,000 | 28.7% | 0.5% |
| BROKER SOLUTIONS, INC. | $7,420,000 | $3,240,000 | -56.3% | 0.5% |
| Glacier Bank | $3,185,000 | n/a | 0.5% | |
| CHARTWAY FEDERAL CREDIT UNION | $1,590,000 | $3,125,000 | 96.5% | 0.5% |
| NEWREZ LLC | $2,430,000 | $3,100,000 | 27.6% | 0.5% |
| RANLIFE, INC. | $880,000 | $2,965,000 | 236.9% | 0.4% |
| GOLDENWEST | $1,415,000 | $2,865,000 | 102.5% | 0.4% |
| Sierra Pacific Mortgage Company, Inc. | $2,530,000 | $2,685,000 | 6.1% | 0.4% |
| Bank of Utah | $9,345,000 | $2,645,000 | -71.7% | 0.4% |
| Flagstar Bank, FSB | $3,410,000 | $2,555,000 | -25.1% | 0.4% |
| S1L, Inc. | $620,000 | $2,255,000 | 263.7% | 0.3% |
| LOANDEPOT.COM, LLC | $2,985,000 | $2,230,000 | -25.3% | 0.3% |
| Cache Valley Bank | $1,565,000 | $2,220,000 | 41.9% | 0.3% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $3,465,000 | $2,205,000 | -36.4% | 0.3% |
| MY MOVE MORTGAGE, LLC | $720,000 | $2,185,000 | 203.5% | 0.3% |
| JPMorgan Chase Bank | $1,350,000 | $2,125,000 | 57.4% | 0.3% |
| SECURITY HOME MORTGAGE, LLC. | $690,000 | $1,945,000 | 181.9% | 0.3% |
| Mr. Cooper ( Nationstar Mortgage ) | $1,515,000 | $1,765,000 | 16.5% | 0.3% |
| Paramount Residential Mortgage Group, Inc. | $955,000 | $1,695,000 | 77.5% | 0.3% |
| HOMEXPRESS MORTGAGE CORP. | $355,000 | $1,660,000 | 367.6% | 0.3% |
| LENDSURE MORTGAGE CORP. | $535,000 | $1,660,000 | 210.3% | 0.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $900,000 | $1,590,000 | 76.7% | 0.2% |
| Bank of America | $2,080,000 | $1,535,000 | -26.2% | 0.2% |
| American Mortgage & Equity Consultants, Inc. | $1,115,000 | $1,485,000 | 33.2% | 0.2% |
| HOMESIDE FINANCIAL, LLC | $345,000 | $1,470,000 | 326.1% | 0.2% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $1,280,000 | $1,455,000 | 13.7% | 0.2% |
| Cornerstone First Mortgage, Inc | $1,440,000 | n/a | 0.2% | |
| NAVY FEDERAL CREDIT UNION | $1,655,000 | $1,410,000 | -14.8% | 0.2% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $3,905,000 | $1,250,000 | -68.0% | 0.2% |
| Wells Fargo Bank | $2,655,000 | $1,230,000 | -53.7% | 0.2% |
| USAA Federal Savings Bank | $1,550,000 | $1,225,000 | -21.0% | 0.2% |
| AMERICAN FINANCIAL RESOURCES, INC. | $325,000 | $1,215,000 | 273.8% | 0.2% |
| VILLAGE CAPITAL MORTGAGE | $1,125,000 | $1,190,000 | 5.8% | 0.2% |
| UTAH COMMUNITY | $620,000 | $1,175,000 | 89.5% | 0.2% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $135,000 | $1,145,000 | 748.1% | 0.2% |
| CARDINAL FINANCIAL | $620,000 | $1,120,000 | 80.6% | 0.2% |
| LONGBRIDGE FINANCIAL, LLC | $865,000 | $1,105,000 | 27.7% | 0.2% |
| Ameris Bank | $1,065,000 | n/a | 0.2% | |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $1,390,000 | $1,050,000 | -24.5% | 0.2% |
| CYPRUS Federal Credit Union | $75,000 | $1,045,000 | 1,293.3% | 0.2% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $1,010,000 | $1,005,000 | -0.5% | 0.2% |
| Morgan Stanley Private Bank | $1,005,000 | n/a | 0.2% | |
| MidFirst Bank | $995,000 | n/a | 0.1% | |
| Utah Power | $105,000 | $985,000 | 838.1% | 0.1% |
| AMERICAN FINANCING CORPORATION | $710,000 | $965,000 | 35.9% | 0.1% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $1,020,000 | $960,000 | -5.9% | 0.1% |
| V.I.P. MORTGAGE, INC. | $225,000 | $955,000 | 324.4% | 0.1% |
| AMWEST FUNDING CORP. | $770,000 | $930,000 | 20.8% | 0.1% |
| LOANPAL, LLC | $820,000 | $915,000 | 11.6% | 0.1% |
| ALLIANT CREDIT UNION | $880,000 | n/a | 0.1% | |
| BETTER MORTGAGE CORPORATION | $55,000 | $875,000 | 1,490.9% | 0.1% |
| The Federal Savings Bank | $1,555,000 | $875,000 | -43.7% | 0.1% |
| Charles Schwab Bank, SSB | $225,000 | $870,000 | 286.7% | 0.1% |
| Armed Forces Bank | $860,000 | n/a | 0.1% | |
| CORNERSTONE HOME LENDING, INC. | $2,100,000 | $845,000 | -59.8% | 0.1% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | $840,000 | n/a | 0.1% | |
| MORTGAGEONE, INC. | $425,000 | $810,000 | 90.6% | 0.1% |
| Hometown Equity Mortgage, LLC | $435,000 | $755,000 | 73.6% | 0.1% |
| Deseret First Credit Union | $1,530,000 | $665,000 | -56.5% | 0.1% |
| OCMBC, INC. | $665,000 | n/a | 0.1% | |
| NOVA FINANCIAL & INVESTMENT CORPORATION | $660,000 | n/a | 0.1% | |
| UTAH FIRST | $695,000 | $625,000 | -10.1% | 0.1% |
| VAN DYK MORTGAGE CORPORATION | $625,000 | n/a | 0.1% | |
| DEEPHAVEN MORTGAGE LLC | $610,000 | $615,000 | 0.8% | 0.1% |
| SWBC MORTGAGE CORPORATION | $615,000 | n/a | 0.1% | |
| EVERETT FINANCIAL, INC. | $595,000 | n/a | 0.1% | |
| AMERISAVE MORTGAGE CORPORATION | $1,090,000 | $565,000 | -48.2% | 0.1% |
| A&D Mortgage LLC | $555,000 | n/a | 0.1% | |
| Luxury Mortgage Corp. | $535,000 | n/a | 0.1% | |
| JMJ FINANCIAL GROUP | $525,000 | n/a | 0.1% | |
| Baxter Credit Union | $485,000 | n/a | 0.1% | |
| CALCON MUTUAL MORTGAGE LLC | $480,000 | n/a | 0.1% | |
| University First Federal Credit Union | $105,000 | $475,000 | 352.4% | 0.1% |
| ALAMEDA MORTGAGE CORPORATION | $465,000 | n/a | 0.1% | |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $125,000 | $455,000 | 264.0% | 0.1% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $455,000 | n/a | 0.1% | |
| MOVEMENT MORTGAGE, LLC | $765,000 | $450,000 | -41.2% | 0.1% |
| Firefighters First Federal Credit Union | $155,000 | $445,000 | 187.1% | 0.1% |
| TRIAD FINANCIAL SERVICES, INC. | $275,000 | $410,000 | 49.1% | 0.1% |
| Commerce Home Mortgage, Inc. | $405,000 | n/a | 0.1% | |
| OAKTREE FUNDING CORP. | $405,000 | n/a | 0.1% | |
| UNITED | $385,000 | n/a | 0.1% | |
| NEXERA HOLDING LLC | $210,000 | $375,000 | 78.6% | 0.1% |
| PHH Mortgage Corporation | $805,000 | $360,000 | -55.3% | 0.1% |
| CHEVRON | $355,000 | n/a | 0.1% | |
| NBKC BANK | $505,000 | $335,000 | -33.7% | 0.1% |
| AmeriHome Mortgage Company, LLC | $325,000 | n/a | 0.0% | |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $325,000 | n/a | 0.0% | |
| GTE Federal Credit Union | $295,000 | $310,000 | 5.1% | 0.0% |
| INTERNATIONAL CITY MORTGAGE, INC. | $295,000 | n/a | 0.0% | |
| CASTLE & COOKE MORTGAGE, LLC | $305,000 | $285,000 | -6.6% | 0.0% |
| LEADERONE FINANCIAL CORPORATION | $275,000 | n/a | 0.0% | |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $800,000 | $265,000 | -66.9% | 0.0% |
| Bank of Springfield | $255,000 | n/a | 0.0% | |
| 21ST MORTGAGE CORPORATION | $915,000 | $245,000 | -73.2% | 0.0% |
| Magnolia Bank | $335,000 | $245,000 | -26.9% | 0.0% |
| Barrington Bank & Trust Company, N.A. | $185,000 | $235,000 | 27.0% | 0.0% |
| Central Bank | $215,000 | n/a | 0.0% | |
| Starion Bank | $215,000 | n/a | 0.0% | |
| Carrington Mortgage Services, LLC | $470,000 | $205,000 | -56.4% | 0.0% |
| FIRST TECHNOLOGY | $2,415,000 | $205,000 | -91.5% | 0.0% |
| North American Savings Bank, F.S.B. | $315,000 | $185,000 | -41.3% | 0.0% |
| Equity Prime Mortgage LLC | $275,000 | $155,000 | -43.6% | 0.0% |
| Eagle Bank and Trust Company | $205,000 | $125,000 | -39.0% | 0.0% |
| Nations Lending Corporation | $185,000 | $125,000 | -32.4% | 0.0% |
| QUORUM FEDERAL CREDIT UNION | $105,000 | n/a | 0.0% | |
| Figure Lending LLC | $505,000 | $100,000 | -80.2% | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | $585,000 | $95,000 | -83.8% | 0.0% |
| Truist | $700,000 | $95,000 | -86.4% | 0.0% |
| Coastal Community Bank | $15,000 | $90,000 | 500.0% | 0.0% |
| GUARANTEED RATE, INC. | $1,940,000 | $85,000 | -95.6% | 0.0% |
| LOS ANGELES POLICE Federal Credit Union | $205,000 | $85,000 | -58.5% | 0.0% |
| SPRING EQ, LLC | $105,000 | $75,000 | -28.6% | 0.0% |
| Discover Bank | $640,000 | $65,000 | -89.8% | 0.0% |
| PLANET HOME LENDING, LLC | $755,000 | $55,000 | -92.7% | 0.0% |
| Home Loan Investment Bank, F.S.B. | $25,000 | n/a | 0.0% |
Cedar City's top lender by overall market share is UNITED WHOLESALE MORTGAGE, LLC, with 13.4% market share. In second place, with 6.8%, is GUILD MORTGAGE COMPANY, having originated $45,405,000 in loans. In third place, with 6.7%, is State Bank of Southern Utah, having originated $44,590,000 in loans. In fourth place, with 6.7%, is MOUNTAIN AMERICA, having originated $44,515,000 in loans. In fifth place, with 6.3%, is AMERICAN FINANCIAL NETWORK, INC., having originated $41,720,000 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 | $256,675 (16.7%) | $313,251 (2.4%) | 0.00 | 423 |
| 2018-02-01 | $255,850 (16.0%) | $310,302 (-1.1%) | 0.00 | 445 |
| 2018-03-01 | $249,900 (11.8%) | $303,981 (0.3%) | 0.00 | 450 |
| 2018-04-01 | $252,650 (10.4%) | $314,411 (3.9%) | 0.00 | 473 |
| 2018-05-01 | $253,950 (8.1%) | $314,798 (3.1%) | 0.00 | 493 |
| 2018-06-01 | $265,000 (12.7%) | $326,729 (5.3%) | 0.00 | 511 |
| 2018-07-01 | $261,028 (13.5%) | $327,971 (8.4%) | 0.00 | 541 |
| 2018-08-01 | $255,400 (8.6%) | $329,951 (7.6%) | 0.00 | 514 |
| 2018-09-01 | $263,900 (10.3%) | $338,731 (8.8%) | 0.00 | 494 |
| 2018-10-01 | $249,950 (1.5%) | $326,220 (5.1%) | 0.00 | 482 |
| 2018-11-01 | $252,500 (1.0%) | $314,711 (3.7%) | 0.00 | 460 |
| 2018-12-01 | $249,900 (0.0%) | $306,059 (2.0%) | 0.00 | 437 |
| 2019-01-01 | $255,686 (-0.4%) | $313,952 (0.2%) | 0.00 | 413 |
| 2019-02-01 | $259,450 (1.4%) | $320,792 (3.4%) | 0.00 | 407 |
| 2019-03-01 | $257,043 (2.9%) | $316,006 (4.0%) | 0.00 | 420 |
| 2019-04-01 | $259,900 (2.9%) | $313,865 (-0.2%) | 0.00 | 428 |
| 2019-05-01 | $264,950 (4.3%) | $315,886 (0.4%) | 0.00 | 427 |
| 2019-06-01 | $250,000 (-5.7%) | $314,951 (-3.6%) | 0.00 | 484 |
| 2019-07-01 | $257,975 (-1.2%) | $319,027 (-2.7%) | 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 | $430,000 (-2.3%) | $506,476 (-7.5%) | 0.00 | 464 |
| 2024-10-01 | $431,500 (-4.1%) | $512,102 (-6.5%) | 0.00 | 457 |
| 2024-11-01 | $430,000 (-4.3%) | $523,092 (-4.6%) | 0.00 | 443 |
| 2024-12-01 | $425,000 (-4.7%) | $514,835 (-4.2%) | 0.00 | 413 |
| 2025-01-01 | $425,000 (-1.6%) | $507,511 (3.0%) | 0.00 | 405 |
| 2025-02-01 | $422,350 (0.7%) | $512,376 (5.0%) | 0.00 | 413 |
| 2025-03-01 | $429,000 (-0.2%) | $530,592 (5.7%) | 0.00 | 426 |
| 2025-04-01 | $450,000 (4.7%) | $554,239 (13.4%) | 0.00 | 483 |
| 2025-05-01 | $464,950 (8.3%) | $551,780 (8.5%) | 0.00 | 534 |
| 2025-06-01 | $469,675 (7.5%) | $558,754 (4.6%) | 0.00 | 581 |
| 2025-07-01 | $458,450 (6.6%) | $576,037 (9.4%) | 0.00 | 633 |
| 2025-08-01 | $475,000 (11.8%) | $579,040 (13.1%) | 0.00 | 625 |
| 2025-09-01 | $495,500 (15.2%) | $587,173 (15.9%) | 0.00 | 601 |
| 2025-10-01 | $477,450 (10.7%) | $582,735 (13.8%) | 0.00 | 588 |
| 2025-11-01 | $452,250 (5.2%) | $560,302 (7.1%) | 0.00 | 556 |
| 2025-12-01 | $446,057 (5.0%) | $553,864 (7.6%) | 0.00 | 532 |
| 2026-01-01 | $439,000 (3.3%) | $554,158 (9.2%) | 0.00 | 496 |
| 2026-02-01 | $425,000 (0.6%) | $578,441 (12.9%) | 0.00 | 492 |
| 2026-03-01 | $420,000 (-2.1%) | $565,240 (6.5%) | 0.00 | 520 |
| 2026-04-01 | $418,700 (-7.0%) | $564,890 (1.9%) | 0.00 | 583 |
| 2026-05-01 | $423,667 (-8.9%) | $581,194 (5.3%) | 0.00 | 646 |
| 2026-06-01 | $415,000 (-11.6%) | $571,610 (2.3%) | 0.00 | 705 |
| 2026-07-01 | $419,350 (-8.5%) | $575,660 (-0.1%) | 0.00 | 700 |
| 2026-08-01 | $418,000 (-12.0%) | $577,436 (-0.3%) | 0.00 | 671 |
| 2026-09-01 | $419,950 (-15.3%) | $581,714 (-0.9%) | 0.00 | 667 |
| 2026-10-01 | $429,000 (-10.2%) | $581,021 (-0.3%) | 0.00 | 655 |
Cedar City's median listing price for 2026-10-01 was $429,000, a difference of
$-48,450
(-10.2%) versus the prior year and
$9,050 versus the prior month.
Cedar City's median listing price comes in at 0% of the national average.
Cedar City's average listing price for 2026-10-01 was $581,021, a difference of $-1,714 (-0.3%) versus the prior year and $-693 versus the prior month.
For the 2026-10-01 period, Cedar City had 655 MLS listings, a difference of -12 listings (-2%) versus the prior month and 67 listings (11%) versus the prior year.
Cedar City's median listing price comes in at 0% of the national average.
Cedar City's average listing price for 2026-10-01 was $581,021, a difference of $-1,714 (-0.3%) versus the prior year and $-693 versus the prior month.
For the 2026-10-01 period, Cedar City had 655 MLS listings, a difference of -12 listings (-2%) versus the prior month and 67 listings (11%) 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 | 2,108 sqft |
| 2018-03-01 | 0 days | 2,078 sqft |
| 2018-04-01 | 0 days | 2,101 sqft |
| 2018-05-01 | 0 days | 2,083 sqft |
| 2018-06-01 | 0 days | 2,204 sqft |
| 2018-07-01 | 0 days | 2,105 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 | 2,083 sqft |
| 2019-02-01 | 0 days | 2,031 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 | 1,891 sqft |
| 2019-09-01 | 0 days | 1,880 sqft |
| 2019-10-01 | 0 days | 1,900 sqft |
| 2019-11-01 | 0 days | 1,950 sqft |
| 2019-12-01 | 0 days | 1,885 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 | 2,278 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 | 1,810 sqft |
| 2021-11-01 | 0 days | 1,809 sqft |
| 2021-12-01 | 0 days | 1,838 sqft |
| 2022-01-01 | 0 days | 1,848 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 | 1,833 sqft |
| 2023-12-01 | 0 days | 1,800 sqft |
| 2024-01-01 | 0 days | 1,797 sqft |
| 2024-02-01 | 0 days | 1,719 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 | 1,831 sqft |
| 2024-11-01 | 0 days | 1,806 sqft |
| 2024-12-01 | 0 days | 1,792 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 |
| 2025-04-01 | 0 days | 1,972 sqft |
| 2025-05-01 | 0 days | 2,025 sqft |
| 2025-06-01 | 0 days | 1,999 sqft |
| 2025-07-01 | 0 days | 1,927 sqft |
| 2025-08-01 | 0 days | 1,953 sqft |
| 2025-09-01 | 0 days | 2,044 sqft |
| 2025-10-01 | 0 days | 1,877 sqft |
| 2025-11-01 | 0 days | 1,829 sqft |
| 2025-12-01 | 0 days | 1,836 sqft |
| 2026-01-01 | 0 days | 1,822 sqft |
| 2026-02-01 | 0 days | 1,798 sqft |
| 2026-03-01 | 0 days | 1,771 sqft |
| 2026-04-01 | 0 days | 1,767 sqft |
| 2026-05-01 | 0 days | 1,836 sqft |
| 2026-06-01 | 0 days | 1,810 sqft |
| 2026-07-01 | 0 days | 1,819 sqft |
| 2026-08-01 | 0 days | 1,804 sqft |
| 2026-09-01 | 0 days | 1,824 sqft |
| 2026-10-01 | 0 days | 1,836 sqft |
Cedar City's median listing age (time on market) for 2026-10-01 was 0 days.
Cedar City's median square footage for active listings during the 2026-10-01 period was 1,836 sqft. One year prior, the average listing was 1,877 sqft.
Cedar City's median square footage for active listings during the 2026-10-01 period was 1,836 sqft. One year prior, the average listing was 1,877 sqft.
Cedar City, UT Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,117 | $428,885,000 | $383,962 |
| Refi | 389 | $136,805,000 | $351,684 |
| Cash Out Refi | 217 | $54,895,000 | $252,972 |
| Other | 188 | $24,380,000 | $129,681 |
| Home Improvement | 185 | $18,975,000 | $102,568 |
Cedar City's most frequently cited loan purpose was Home Purchase, with 1,117 originations. The 2nd most popular reason was Refi, with 389 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 911 | $367,485,000 | $403,386 |
| 7-8% | 482 | $110,050,000 | $228,320 |
| 5-6% | 433 | $151,055,000 | $348,857 |
| Over 8% | 180 | $19,980,000 | $111,000 |
| 4-5% | 60 | $10,280,000 | $171,333 |
| 2.5-3% | 16 | $2,530,000 | $158,125 |
| 3-4% | 11 | $2,245,000 | $204,091 |
| <2.5% | 1 | $15,000 | $15,000 |
During 2025, Cedar City's most frequently originated rate bucket was 6-7%, with 911 originations.
Loan Sizing (Cedar City, UT MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 858 | $256,440,000 | $298,881 |
| $400k-600k | 415 | $195,935,000 | $472,133 |
| $100,000 or less | 387 | $19,435,000 | $50,220 |
| $100k-200k | 310 | $44,310,000 | $142,935 |
| $600k-1000k | 108 | $78,360,000 | $725,556 |
| $Over $1MM | 18 | $69,460,000 | $3,858,889 |
Cedar City's loan sizing saw the bucket of loans from $200k-400k with 858 originations, totaling $256,440,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 699 | $284,135,000 | $406,488 |
| 60-80% | 441 | $217,755,000 | $493,776 |
| Under 20% | 404 | $24,360,000 | $60,297 |
| 20-40% | 254 | $43,400,000 | $170,866 |
| 40-60% | 235 | $69,355,000 | $295,128 |
| Over 100% | 39 | $16,875,000 | $432,692 |
Cedar City's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 699 originations, totaling $284,135,000 in origination value.