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Homes Under $500,000 in New Harmony, Utah
New Harmony sits at roughly 5,300 feet in Washington County, about 30 minutes north of St. George and 20 minutes from Interstate 15 at Kanarraville and Toquerville. That elevation matters. Summer highs run 10 to 15 degrees cooler than St. George, winters bring real snow, and the surrounding ranchland and Pine Valley foothills feel nothing like the red-rock sprawl down south. It's a very small community, so inventory is thin and most listings are either older cabins and manufactured homes on acreage or bare lots, with a few newer builds mixed in.
A budget under $500K goes a long way here compared with St. George, where the median single-family price sits well above that mark. Buyers in this range often find a modest home on a few acres, a rustic cabin, or a smaller newer build, usually with a well or shared water and a septic system rather than city utilities. Many are buying second homes, retiring, or want room for horses, a workshop, or RVs without HOA rules. Expect a drive for groceries and most services, and check road access in winter, since some rural roads aren't plowed regularly. Schools are in the Washington County School District, with students typically bused to nearby campuses. Browse the active listings below to see what's currently on the market under $500K.
October 2026 · New Harmony market
Live from the Utah MLS — what's actually happening in New Harmony right now.
Median sale
—
4 closed in October 2026
Median DOM
60 days
listing → contract
Sale-to-list
—
of final list price
Unsold inventory
14
active + pending
21 matching · page 1 of 1
Active listings
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Common questions
About homes under $500k in New Harmony.
How many homes under $500K are typically available in New Harmony? ▾
Inventory is genuinely scarce. New Harmony is a small community with limited turnover, and at any given time there may be only a handful of listings under $500K — sometimes zero. Most homes that hit this price band are smaller manufactured homes on acreage, older valley properties needing updates, or land parcels with modest existing structures.
What kind of property can I realistically expect at this price point? ▾
Expect 1,200–1,800 square feet on 1 to 5 acres, often manufactured or modular construction, with septic, propane heat, and a private or shared well in some cases. Custom stick-built homes in New Harmony usually start higher — frequently $600K and up — because of the lot sizes and build costs at elevation.
Does New Harmony qualify for USDA Rural Development loans? ▾
Yes. New Harmony's zip code (84757) falls within USDA-eligible rural areas, which means qualified buyers can use a USDA loan with zero down payment up to the area loan limits. This is one of the more useful financing tools for buyers in this price range here.
How far is New Harmony from St. George and Cedar City? ▾
St. George is about 30 minutes south on I-15, and Cedar City is roughly 25 minutes north. The St. George Regional Airport is around 35 minutes away. Many residents commute one direction or the other for work, healthcare, and shopping while keeping the rural lifestyle at home.
What's the climate like compared to nearby St. George? ▾
New Harmony sits at about 5,200 feet, so it runs 10–15 degrees cooler than St. George year-round. Summers are warm but not brutal, and winters bring occasional snow that usually melts quickly in the valley. It's a meaningful climate advantage for buyers who want southern Utah access without the 110-degree July afternoons.
Are there HOAs or building restrictions to be aware of? ▾
Most of New Harmony is unincorporated Iron County with agricultural and rural residential zoning, so HOAs are uncommon outside of a few small subdivisions. Iron County setback, septic, and well rules apply, and water rights or shares through the New Harmony Valley Pipeline are something to verify on any property you're serious about.