Housing Market Analysis · 2026
Rent vs Buy in St. George, UT
Local prices pre-filled. Adjust any input to match your situation.
Should you buy in St. George?
Price-to-Rent Ratio
23x — leans toward renting
With a ratio of 23, the math in St. George, UT currently leans toward renting unless you expect strong home appreciation or plan to stay 10+ years.
Monthly Cost Gap
Buying currently costs roughly $1,848 more per month than renting the median unit in St. George, UT. That gap is the "opportunity cost" renters can invest — which is why the breakeven point matters so much here.
Price Trends
Home prices in St. George, UT declined 0.4% year-over-year, which creates potential buying opportunities but also signals some market softness worth monitoring.
Affordability
The income needed to qualify for a median home in St. George, UT is approximately $121K. Many middle-income households are weighing whether to buy now or continue renting.
Interactive Calculator — St. George Pre-filled
Values are set to St. George, UT medians. Change anything to match your scenario.
At 10 years
Renting wins by $208K
No breakeven in selected timeframe.
Monthly Cost (Year 1)
Wealth Over Time
| Year | Buyer | Renter | Winner |
|---|---|---|---|
| 1 | $94K | $151K | Rent |
| 2 | $117K | $185K | Rent |
| 3 | $140K | $220K | Rent |
| 4 | $165K | $258K | Rent |
| 5 | $190K | $299K | Rent |
| 6 | $216K | $341K | Rent |
| 7 | $244K | $387K | Rent |
| 8 | $273K | $436K | Rent |
| 9 | $303K | $487K | Rent |
| 10 | $334K | $542K | Rent |
Common Questions — Renting vs Buying in St. George
Other UT Markets to Compare
See how the rent-vs-buy math stacks up in other UT cities.