Home Insurance Estimator for Provo, UT
Updated 2026 · Local data pre-filled
Home insurance rates vary widely within Utah, driven by weather risks, construction costs, and local claims history. The median home value in Provo is $450,000, and we've pre-filled that as your dwelling coverage starting point. Adjust for your home's actual replacement cost for the most accurate estimate.
✓ Calculator below is pre-filled with Provo local data
How Provo Compares to the National Average
Understanding how Provo stacks up helps you calibrate your financial planning.
| Metric | Provo, UT | US Average | Difference |
|---|---|---|---|
| Median Home Price | $450,000 | $420,800 | +6.9% |
| Median Monthly Rent | $1,200 | $1,713 | -29.9% |
| Median Household Income | $68,800 | $74,580 | -7.8% |
| Property Tax Rate | 0.53% | 1.10% | -51.8% |
| Cost of Living Index | 106 | 100 | +6.0% |
Sources: U.S. Census Bureau, BLS, Zillow, NAR (2024–2025). Green = favorable for residents; red = less favorable.
Provo Financial Snapshot
- Population (Metro)
- 680,000
- Unemployment
- 2.5%
- Avg Commute
- 22 min
- Median Age
- 24.8
- Price-to-Rent Ratio
- 31.3x
- Annual Property Tax
- $2,385
Home Insurance Estimator in Other Utah Cities
Frequently Asked Questions — Provo
What is the median home price in Provo, UT?
The median home price in Provo is $450,000 as of 2025–2026. This is above the national median of $420,800.
What is the average rent in Provo?
Median monthly rent in Provo is $1,200. That works out to $14,400/year, or 21% of the median household income — within the commonly recommended 30% of income guideline.
Is Provo affordable?
Provo's cost of living index is 106 vs. the national average of 100. With a median household income of $68,800/year and a median home price of $450,000, the price-to-income ratio is 6.5x. This makes homeownership a significant stretch for the typical Provo household.
What is the property tax rate in Provo?
The effective property tax rate in Provo is 0.53% of assessed value. On the median home of $450,000, that's roughly $2,385/year ($199/month).