Watcharu Finance

Utah auto loan calculator

Utah's state vehicle sales-tax rate is about 4.85% (cities and counties can add more). The calculator is preset for Utah.

$665.21 / month

Amount financed
$33,198
Sales tax
$1,698
Total interest
$6,715
Balance over MonthBalance ends near $0 at 60.$0$8k$17k$25k$33k01224364860Month

How it works

Utah taxes the price after the trade-in allowance. On a $35,000 car with a $10,000 trade-in, tax applies to $25,000 — about $1,212 instead of the $1,697 you'd owe with no trade. Sales or use tax is collected when the vehicle is titled and registered.

Utah's property tax rate is low and primary residences are taxed on only 55% of market value, but strong population growth pushed Salt Lake and Utah County prices well above the national median. Local add-on tax rates and documentation fees vary by dealer and county, so treat the preset rate as a starting point and confirm the exact figure on your paperwork.

Frequently asked questions

What is the car sales tax rate in Utah?
Utah's state vehicle sales/use tax rate is about 4.85%. On a $35,000 car that's about $1,697 before any local add-on rates.
Does a trade-in lower the sales tax in Utah?
Yes. Utah taxes the price after the trade-in allowance, so a $10,000 trade-in on a $35,000 car means tax is charged on $25,000 — about $1,212 instead of $1,697.
When is the sales tax on a car due in Utah?
Sales or use tax is collected when the vehicle is titled and registered, either by the dealer at purchase or by you at the DMV for a private-party sale.
What other fees apply to a car purchase in Utah?
Beyond sales tax you'll pay title and registration fees and, at most dealers, a documentation fee. These vary by dealer and county; the calculator lets you enter them.

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