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Homes Under $500,000 in Cedar City, Utah
Cedar City still gives buyers a shot at homeownership without stretching into jumbo-loan territory, and $500K covers a wide swath of what's actually on the market here. New-construction three and four-bedroom homes in subdivisions like Fiddlers Canyon or Providence Estates often land in the $400s, while established neighborhoods closer to Main Street and SUU offer older brick ranch homes and 1990s-2000s builds for less. Cross Hollow, the west side, and areas out toward Enoch also fall largely under this number, giving buyers room to choose lot size, commute distance, and school boundaries within the Iron County School District without competing at the very top of the market.
This price point is where Cedar City sees the most turnover — young families, SUU faculty and staff, retirees downsizing from bigger markets, and remote workers drawn by the 300-plus days of sunshine and quick access to Cedar Breaks and Brian Head for skiing. Lot sizes tend to run larger than what you'd see in Washington County at the same price, since land here hasn't been bid up the way St. George's has, and property taxes stay comparatively low. Utility costs are manageable too, with mild summers compared to the desert floor further south. Browse the active listings below to see what's currently on the market at this price.
July 2026 · Cedar City market
Live from the Utah MLS — what's actually happening in Cedar City right now.
Median sale
$405,000
55 closed in July 2026
Median DOM
51 days
listing → contract
Sale-to-list
99.2%
of final list price
Unsold inventory
398
active + pending
410 matching · page 18 of 18
Active listings
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Common questions
About homes under $500k in Cedar City.
What kind of home can I actually get under $500K in Cedar City? ▾
Most listings in this range are three- to four-bedroom single-family homes between 1,800 and 2,800 square feet, often with two-car garages and standard quarter-acre lots. Below about $400K you'll see more townhomes, condos near SUU, or older homes west of Main Street that may need updates. The $400K–$500K band is the sweet spot for newer builds in Enoch or the south Cedar developments.
Is $500K a realistic budget for Cedar City right now? ▾
Yes — the median sale price in Cedar City typically sits in the high $300Ks to low $400Ks, so $500K puts you above the midpoint and gives meaningful room to negotiate. It's a noticeably different market than St. George, where the same budget buys considerably less. Inventory turns over steadily, and most months there are 40–80 active listings under this cap.
Which Cedar City neighborhoods fit this budget best? ▾
Fiddlers Canyon, Cross Hollow, Westview, and the Providence Center area all have regular activity under $500K. Enoch, just north of town, often has newer construction in the $420K–$490K range with larger lots. Older established neighborhoods near SUU run lower but may need cosmetic updates.
How are property taxes and HOA fees in this price range? ▾
Iron County property taxes are roughly 0.55%–0.65% of assessed value, so a $450K home runs about $2,500–$2,900 annually. HOA fees are uncommon in older single-family neighborhoods but show up in newer subdivisions and townhome communities, typically $25–$120 per month covering common areas or basic maintenance.
Are there new construction options under $500K? ▾
Yes, builders active in Enoch and south Cedar have floor plans starting in the high $300Ks and going up through the $480Ks for detached homes. These tend to be three-bedroom, two-bath layouts on smaller lots with two-car garages. Townhome projects near SUU also offer new-build product well under the cap.
How fast do homes under $500K sell here? ▾
Median days on market in this bracket usually runs 30–60 days, faster in spring and early summer when SUU hiring, healthcare relocations, and Shakespeare Festival staff drive demand. Well-priced homes under $400K can go in under three weeks. Winter months slow down noticeably, which is often a better time for buyers to negotiate.