Affordable Housing

Supporting Families on the Path to Homeownership

Owning a home is a cornerstone of achieving the American Dream. While fiscally responsible and conservative policies have helped make Utah the most affordable state in the nation, the current housing shortage, coupled with skyrocketing housing prices and interest rates nationwide, has made buying a house out of reach for many Utahns. 

Over the past several years, we’ve taken action to help keep the dream of homeownership attainable for more Utahns. For example, the First Time Homebuyer Program provides up to $20,000 in down payment, closing costs or buy-down interest rates for first-time homebuyers purchasing homes up to $450,000. Additionally, we dedicated resources specifically for law enforcement and veterans, making it easier for those who serve our communities and country to become homeowners.

Increasing the housing supply is one of the most effective ways to help more Utahns find affordable homes. We’ve also passed legislation encouraging both public and private sectors to invest in starter homes by offering low-interest loans for affordable housing projects. 

With these policies and our ongoing efforts, we will ensure the American Dream of homeownership remains attainable in Utah—keeping our great state an excellent place for families to live.

2025 Legislation Highlights

  • S.B. 181 Housing Affordability Amendments prevents urban municipalities and counties from requiring garages for affordable, single-family houses. Garageless homes, which used to be more common, cost much less to build. Though simple in its changes, this bill would have a substantial impact in helping reduce construction costs and home prices.
  • S.B. 262 Housing Affordability Modifications expands the use of Homeownership Prioritization Zone funds for infrastructure like street lighting and creates a new state-run loan structure to help first-time buyers. The loan allows borrowers to partner with financial institutions on a second loan of up to $150,000, repaid using the home’s appreciated value instead of interest, keeping monthly payments low while enabling homeownership and equity building.
  • S.B. 23 First Home Investment Zone Amendments clarifies owner-occupancy requirements in a first home investment zone ​​(FHIZ). These zones, established last year, are an important tool in expanding opportunities for first-time homebuyers. This bill ensures cities developing FHIZs are successful in meeting population growth and demand for more affordable homes.