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Homes Under $300,000 in Loa, Utah
Loa sits in Wayne County along Highway 24, the small ranching town that serves as the Wayne County seat and the closest real grocery store for people living toward Bicknell, Lyman, and the edge of Capitol Reef country. Prices here have never chased Wasatch Front numbers, and homes under $300K still make up a real share of what hits the MLS in a typical year — older brick farmhouses on half-acre and full-acre lots, single-level ranch homes built in the 60s and 70s, and the occasional manufactured or modular home on owned land. This is a market where a $250,000 budget can still buy a house with a yard, outbuildings, and irrigation water rights, which is not something you can say in Wasatch County or St. George anymore.
Buyers looking under $300K in Loa tend to fall into a few groups: retirees downsizing out of bigger Utah cities who want quiet and space, people with family ties to Wayne County, remote workers who don't need to commute, and investors eyeing short-term rental potential near Capitol Reef National Park (about 25 minutes away). Expect older systems — septic tanks, well or shared irrigation water, propane heat, some galvanized or older electrical — so a home inspection matters more here than in a newer subdivision. Winters are cold and dry at this elevation (around 7,000 feet), so heating costs and driveway snow removal are worth asking about before you write an offer. Browse the active listings below to see what's currently on the market in this price range.
July 2026 · Loa market
Live from the Utah MLS — what's actually happening in Loa right now.
Median sale
$525,000
1 closed in July 2026
Median DOM
—
listing → contract
Sale-to-list
99.1%
of final list price
Unsold inventory
4
active + pending
1 matching · page 1 of 1
Active listings
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Common questions
About homes under $300k in Loa.
How many homes under $300K are typically listed in Loa at any given time? ▾
Loa is a small market — it's common to see only a handful of active listings town-wide, and the sub-$300K segment usually holds two to six properties at a time. Inventory turns over slowly, so setting up MLS alerts is worth doing if nothing on the current list fits.
What kind of home does $300K actually buy in Loa? ▾
At this price you're typically looking at older site-built homes from the 1940s-1980s on in-town lots, manufactured or modular homes (sometimes on an acre or more), and the occasional cosmetic fixer. Newer construction in Loa generally lists above $350K, especially anything with a garage and updated systems.
Are these homes on city water and sewer, or wells and septic? ▾
It's a mix. Homes inside Loa town limits are usually on municipal water and sewer, but properties on the outskirts often rely on private wells and septic systems. Always verify water rights and shares separately — in Wayne County, irrigation water is a real asset and doesn't always convey automatically.
Can I get a conventional mortgage on a sub-$300K home in Loa? ▾
Yes for most site-built homes in decent condition, but manufactured homes (especially pre-1976 or on leased land) can be tougher to finance conventionally. USDA Rural Development loans work well here since all of Wayne County qualifies, and FHA is usable on properties that meet condition standards.
How far is Loa from major services and an airport? ▾
Richfield is about 70 miles northwest and has the nearest hospital, Walmart, and regional airport. Salt Lake City International is roughly a 3.5-hour drive north on I-15. Capitol Reef's visitor center is about 35 minutes east, and Fish Lake is a 30-minute drive.
Is Loa a realistic year-round residence or more of a seasonal spot? ▾
Plenty of people live here full-time — there's a K-12 school, a clinic, grocery, and county offices — but winters are genuinely cold and snowy at this elevation. If you're coming from a lower-elevation climate, plan on heating costs, snow removal, and the reality that you're an hour from a big-box store.