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Homes Under $300,000 in Loa, Utah
Loa sits in Wayne County at about 7,000 feet, the county seat and the closest thing this stretch of south-central Utah has to a commercial center — a gas station, the county courthouse, a K-12 school, and a short drive to Bicknell and Torrey. Under $300K here still buys real acreage in most cases: older brick farmhouses on a third of an acre in town, modest ranch homes near the Fremont River, or small ag properties with a barn and irrigation shares on the edge of the valley. This isn't a market driven by subdivisions or new construction — inventory is thin, turnover is slow, and a lot of what comes up under $300K needs some updating, whether that's a furnace, roof, or septic system that hasn't been touched in decades.
Buyers looking at this price point in Loa tend to fall into a few camps: people relocating for work at the county or school district, retirees wanting quiet and elbow room within striking distance of Capitol Reef National Park, and out-of-state buyers picking up a low-cost base camp for hunting, fishing, or eventual retirement. Winters are cold and snowy at this elevation, so heating costs and road access matter more here than in southern Utah's warmer corridor — worth checking a home's heat source and driveway grade before you get attached. Water rights and well versus culinary water hookups are also worth confirming early, since they affect both usability and resale. Browse the active listings below to see what's currently on the market in and around Loa.
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
2 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.