Utah Car Loan & Lease Guide 2026
Everything you need to know about buying or leasing a car in Utah (UT) — sales tax, loan rates, incentives, and free calculators.
Utah Car Sales Tax (2026)
Utah state sales tax is 6.1%. Local sales taxes can add 1%–2%, with an average combined rate of approximately 7.18%. Salt Lake City area is approximately 7.25%.
Official Utah DMV: dmv.utah.gov/
Utah Car Buying Incentives & Programs (2026)
Utah offers no state EV rebate. Federal tax credit up to $7,500 applies. Rocky Mountain Power offers EV charging rebates.
Quick Car Affordability Calculator — Utah
Estimate how much car you can afford in Utah, including sales tax (6.1% state rate).
Utah Car Buying FAQ
What is the sales tax on a car in Utah?
The state sales tax in Utah is 6.1%. With local taxes, the total rate ranges from 6.1% to 8.1%. This means buying a $35,000 car in Utah could cost $2135–$2835 in sales tax alone.
What is the average car loan rate in Utah?
The average auto loan rate in Utah is approximately 7% (based on the state's average credit score of 710). Rates vary by credit score: 750+ can get 5–7%, 650–749 pays 7–10%, and below 650 may see 10%+.
Are there EV incentives in Utah?
Utah offers no state EV rebate. Federal tax credit up to $7,500 applies. Rocky Mountain Power offers EV charging rebates.
How much car can I afford in Utah?
Use the calculator above to estimate your budget. As a rule of thumb, your total car payment (loan + insurance) should not exceed 15–20% of your monthly take-home pay. In Utah, remember to factor in the 6.1% state sales tax when calculating your total budget.