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Homes Under $500,000 in New Harmony, Utah
New Harmony sits at around 5,300 feet elevation at the base of Kolob Canyon, roughly 30 minutes north of St. George on I-15. That elevation matters for the budget-conscious buyer: summers here run noticeably cooler than the valley floor, which is part of why the town has drawn retirees, artists, and remote workers who want small-town quiet without the triple-digit heat of Washington County. Under $500K in New Harmony still buys real acreage in most cases — this is not a subdivision-dense market, so a lot of what's available at this price point is older ranch-style homes, manufactured homes on owned land, and modest single-level houses on a half-acre or more, sometimes with horse rights attached.
Inventory here is thin compared to St. George or Cedar City, so the mix of what's listed under $500K shifts month to month — some seasons it's mostly land-heavy properties needing updates, other times a well-kept 3-bedroom on a small lot pops up. Because New Harmony has no municipal water or sewer in many areas, buyers should expect well and septic systems, which affects both financing timelines and inspection costs. Commute-minded buyers use this price range to get into a rural setting while staying within reach of Cedar City for work and shopping. Browse the active listings below to see what's currently on the market in this range.
July 2026 · New Harmony market
Live from the Utah MLS — what's actually happening in New Harmony right now.
Median sale
$704,001
1 closed in July 2026
Median DOM
1 days
listing → contract
Sale-to-list
100.7%
of final list price
Unsold inventory
21
active + pending
25 matching · page 2 of 2
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.