DSCR Loans in Utah
Last updated: May 2026
Utah's economy has been one of the strongest in the nation for years, powered by its "Silicon Slopes" tech corridor, a young and growing population, and a business-friendly regulatory environment. Low property taxes and a fast, landlord-favorable eviction process make Utah a compelling state for DSCR investors, particularly along the Wasatch Front.
Property Tax
0.57%
State Income Tax
4.65% flat
Landlord Friendly
Very
Eviction Timeline
20-30 days
Property Taxes in Utah
Utah property taxes are among the lowest in the country. Salt Lake County averages about 0.58%, Utah County (Provo/Orem) around 0.49%, and Davis County (Layton/Bountiful) approximately 0.60%. The state uses a "fair market value" assessment system that adjusts annually.
Insurance Costs
Typical investment property insurance in Utah runs $1,100/yr. Utah is generally low-risk for natural disasters, keeping insurance costs below the national average. Earthquake risk exists along the Wasatch Fault, and while significant events are rare, some lenders may recommend earthquake coverage for properties near the fault line.
Landlord-Tenant Laws
Utah is very landlord-friendly. Nonpayment evictions can begin after a 3-day notice, and uncontested cases typically resolve within 20 to 30 days. There is no rent control, and the state explicitly prohibits local governments from imposing it. Security deposit laws are minimal, with no statutory cap on amounts.
Top Investment Markets in Utah
Salt Lake City
State capital with a booming tech sector (Adobe, Qualtrics, Goldman Sachs expansion) and very low unemployment driving rental demand.
Provo/Orem
BYU and UVU student populations create strong rental demand; Silicon Slopes tech employers add a professional renter cohort.
Ogden
More affordable Wasatch Front entry point with revitalized downtown; outdoor recreation appeal attracts young professionals.
St. George
Southwest Utah's fastest-growing city, drawing retirees and remote workers; STR potential from national park tourism (Zion).
Layton
Davis County city near Hill AFB with strong military-driven demand and family-friendly neighborhoods.
DSCR Considerations in Utah
Utah's strong job market and population growth underpin rising rents, which supports DSCR underwriting. Home prices along the Wasatch Front have climbed significantly, so investors often look to Ogden or St. George for better entry points and cash-flow metrics. The prohibition on local rent control gives investors long-term confidence in income growth projections.
Run the numbers for Utah
Use our free DSCR calculator to see if your Utah investment property pencils out.
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