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Homes Under $500,000 in Stone, Utah
Stone sits in southern Utah's Washington County, where red rock, sagebrush, and long stretches of sunshine define daily life. Homes priced under $500,000 here tend to attract a mix of first-time buyers, retirees relocating from California and the Pacific Northwest, and Wasatch Front families looking for a warmer winter base. The area runs roughly 20–30 minutes from St. George, which means access to the regional airport, Dixie Regional Medical Center, Tech Ridge employers, and Utah Tech University without paying St. George prices. Summers are hot — July highs regularly push past 100°F — but winters are mild enough to golf, hike Snow Canyon, and keep a citrus tree alive in the yard.
At this price point, the market leans toward 3-bed single-family homes on modest lots, newer townhomes in planned communities, and the occasional older home on larger acreage. Buyers in this range should watch for HOA structures, lot size, garage count (a third bay for desert toys matters here), and whether the home has been updated for southern Utah's cooling loads — newer HVAC, radiant barriers, and tinted west-facing windows make a real difference on the power bill. Inventory under $500K moves faster than the broader market, so being pre-approved and ready to tour quickly helps. Browse the active listings below to see what's currently on the market in Stone.
February 2025 · Stone market
Live from the Utah MLS — what's actually happening in Stone right now.
Median sale
$340,000
1 closed in February 2025
Median DOM
88 days
listing → contract
Sale-to-list
85.0%
of final list price
Unsold inventory
—
active + pending
2 matching · page 1 of 1
Active listings
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Common questions
About homes under $500k in Stone.
What kind of home can I actually get under $500K in Stone? ▾
In the Stone area of southern Utah, budgets under $500K typically land you a 3-bed, 2-bath single-family home in the 1,500–2,200 sq ft range, often on a larger lot than you'd see along the Wasatch Front. Newer townhomes and patio homes also fall in this range. Older manufactured homes on acreage sometimes come in well below the cap.
How does the under-$500K market in Stone compare to nearby St. George? ▾
Stone sits in a quieter pocket of Washington County, and prices tend to run noticeably below St. George proper for comparable square footage. Buyers priced out of Bloomington, Little Valley, or Washington Fields often look here to get more lot and less HOA. Commutes into St. George are typically 20–30 minutes.
Are HOA fees common in this price range? ▾
It depends on the subdivision. Newer planned communities around Stone often carry monthly HOA dues in the $40–$150 range covering common areas and sometimes front-yard maintenance. Older neighborhoods and rural parcels are frequently HOA-free, which matters if you want RV parking or outbuildings.
What should I budget for property taxes and utilities here? ▾
Washington County primary-residence property taxes run roughly 0.5–0.6% of assessed value annually, so a $475K home is usually around $2,400–$2,800 per year. Summer cooling is the bigger utility line item — expect higher power bills June through September, with mild winter heating costs.
Is new construction available under $500K in Stone? ▾
Yes, though inventory shifts quickly. Builders in the southern Utah corridor have been pricing smaller floor plans, townhomes, and entry-level single-family homes in the high $300s to high $400s. Standing inventory and quick-move-in homes tend to be the best bet at this price point.
What loan types work best for homes in this range? ▾
Conventional, FHA, and VA all work well under $500K here — the 2024 FHA limit in Washington County sits above this price cap, so FHA buyers have room. USDA financing may apply on some rural parcels outside city limits. Talk to a local lender about which program fits your down payment and credit profile.