Utah · Salt Lake City-Murray, UT metro area

Buying a home in South Jordan, Utah

In South Jordan, the median value of owner-occupied homes is $650,500, Salt Lake County's effective property tax rate is 0.54%, and a purchase mortgage carried a median $8,290 in total loan costs in 2025.

Data as of : Census ACS 2020-2024, Census Vintage 2024, HMDA 2025, HUD FY 2027. Sources

South Jordan home costs, fact by fact

About South Jordan

South Jordan, Utah has 81.4% of its homes owner-occupied, and owners estimate the median home value at $650,500; that is an estimate, not a sale price. Median gross rent is $1,991 a month, and South Jordan lies in the Salt Lake City-Murray, UT metro area.

Reading the South Jordan figures

South Jordan's owner-estimated median of $650,500 sits above the $543,400 given for Utah and ahead of Salt Lake City, which reports $539,500. Sandy reports $614,100 and Lehi $612,100, so South Jordan is close to both. Its owner share of 81.4% is above West Jordan's 77.2% and Sandy's 75.2%, and far above Provo, where it is 39.4%. Rent of $1,991 a month is above the $1,964 reported for Lehi and the $1,777 for Sandy, and above HUD's Fair Market Rent of $1,615 for Salt Lake County, whose larger-unit benchmark is $2,143. Salt Lake County's 0.54% rate comes from $2,836 of annual tax on a home worth $525,700, which is below the value owners estimate in South Jordan. Typical up-front loan expenses were $8,290 across the 9,746 mortgages originated in 2025, with a central band from $4,786 to $13,505. Ogden reports $355,600 and Orem reports $472,300, so the metro area holds a wide range of values.

Metro context adds a little. South Jordan lies in Salt Lake City-Murray, UT, which holds 1,300,762 residents and ranks 46th, while the city itself has 86,156. Layton reports $477,700 and St. George reports $496,100, both well below South Jordan. West Valley City reports $419,100 with an owner share of 72.1%, and Salt Lake City reports an owner share of 45.8%. The county's $525,700 sits below the South Jordan median, so the 0.54% rate would be applied to a larger sum for a buyer at the city median than the county typical suggests.

Calculate for Utah

If you buy

Utah state transfer tax

Utah has no real estate transfer tax. Change the price: the amount is recalculated instantly.

Price$543,400
State transfer tax$0
Share of the price—

Default price: the Utah median value of owner-occupied homes, $543,400 (Census ACS 2025). Rule: No tax is calculated on the price. The recording fee is flat per instrument. Who pays: No transfer tax. The recording fee is owed by whoever submits the document; the state purchase contract does not assign recording fees, so closing instructions and the loan decide. Not included: county and city transfer taxes, recording fees, title insurance and lender charges. Utah transfer tax guide · all 50 states.

If you sell

Capital gain and the federal tax on it

Same federal rule in every state: Section 121 of the Internal Revenue Code excludes up to $250,000 of gain on a main home ($500,000 for a married couple filing jointly).

Capital gain$350,000
Section 121 exclusion$250,000 (limit $250,000)
Taxable gain$100,000
Type of gainLong-term (owned over 1 year), 15% chosen
Federal tax on the gain$15,000

Section 121 excludes $250,000; the rest is taxable.

Gain = sale price minus your adjusted basis (purchase price, buying costs and improvements); selling expenses reduce it (IRS Publication 523). Long-term rates for sales in 2026, by taxable income including the gain (IRS Rev. Proc. 2025-32, section 4.03): 0% up to $49,450 single or $98,900 married filing jointly, 15% up to $545,500 single or $613,700 jointly, 20% above. Not included: Utah state income tax on the gain (not computed), the net investment income tax, depreciation recapture on a rental or home office, and the reduced exclusion for an early sale. Agent commissions are negotiated and never set by law. Capital gains on a home sale.

Questions about buying a home in South Jordan

How much is property tax in South Jordan?

Homeowners in Salt Lake County pay a median $2,836 a year in property tax, 0.54% of the county median home value of $525,700 (Census ACS 2020-2024). Your bill depends on your assessed value and local rates.

What are closing costs on a mortgage in South Jordan?

Home-purchase mortgages in Salt Lake County carried median total loan costs of $8,290 in 2025; half of the 9,746 loans fell between $4,786 and $13,505 (HMDA). Total loan costs are the lender and settlement-service charges of the Closing Disclosure; transfer taxes and prepaid items come on top.

Is there a transfer tax when you buy a home in South Jordan?

Utah has no state transfer tax in the official sources read. Recording a deed costs a flat $40 per document under Utah Code 17-71-407, and Utah is a non-disclosure state where deeds do not state the sale price.

Is it cheaper to rent or buy in South Jordan?

It depends on your mortgage rate, down payment and how long you stay. As a benchmark, the median value of owner-occupied homes in South Jordan ($650,500) equals 27.2 years of the median gross rent ($1,991 a month), both from Census ACS 2020-2024.

Run your own numbers: rent vs buy calculator · closing costs calculator.

Utah rules that apply in South Jordan

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Sources

Utah · All states · Federal guides