Real Estate Investing in Mona, Utah (84645)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 84645 (Mona, UT)? Our answer, based on the numbers below.
Mixed — home prices are stretched relative to local incomes. Run the math on your specific situation.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- High price-to-rent: Price-to-rent ratio 46.4 — hard to cash-flow at these prices.
• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Mona, UT (84645)?
Click any question — our AI will research it live from the web and show you sources.
Market Analysis: 84645 Mona
This part of Juab is not an easy win. The 84645 ZIP reflects softness in key indicators, and the playbook that works in cleaner markets often stalls here.
Distressed markets are won on execution, not on spreadsheets. ZIP 84645 comes in at the profile where tenant screening, deferred maintenance, and local relationships determine the outcome.
The gap between 84645 and stronger Mona ZIPs is not closing quickly. Investors should weight long-horizon assumptions accordingly.
From a cash-flow lens, 2,982 residents fill the ZIP, renter turnover runs higher than neighboring postal codes and delinquency risk is a real line item rather than a theoretical one.
New investors are better served looking at Mona's stable or hybrid ZIPs before stepping into 84645. The learning curve here is expensive when the lesson is wrong.
Here's what matters if you're considering buying a home in Mona:
Market Trends
Home Value History (with trend line)
📊 How Does 84645 Compare?
| Metric | 84645 | Mona | Utah |
|---|---|---|---|
| Home Value | $616,226 | $616,226 | $530,173 |
| 5-Year CAGR | 5.3% | 5.3% | 7.0% |
| Avg Rent | $1,107 | $1,107 | - |
| Cap Rate | 1.4% | 1.4% | - |
Similar ZIPs Within 25 Miles
Compare other nearby markets to see if a neighbor offers a better fit.
Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 84645 (Mona, UT). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $616,226 |
| Monthly Rent | $1,107 |
| Price-to-Rent | 46.4:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 2.2% |
| Cap Rate | 1.4% |
| 5-Year IRR | 6.7% |
📈 Home Appreciation
| 1-Year | +8.0% ▲ |
| 3-Year CAGR | +5.2% ▲ |
| 5-Year CAGR | +5.3% ▲ |
| 10-Year CAGR | +9.3% ▲ |
🏠 Rent Trends
| 1-Year | N/A |
| 3-Year CAGR | N/A |
| 5-Year CAGR | N/A |
The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (1.4%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.
Run an IRR Analysis →⚠️ Risk Signals
Composite view of factors that can impact a ZIP's stability and your downside risk.
Demographics in 84645
Population: 2,982
Crime & Safety
Crime & Safety Data Coming Soon
We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.
Expected: Q1 2025
🎓 Schools in 84645
Schools in This ZIP Code
About Repit School Scores
Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.
We evaluate schools based on factors that research shows actually impact educational outcomes:
- Class Size — Smaller classes mean more individual attention
- School Funding — Resources available for programs, staff, and facilities
- Community Factors — Neighborhood characteristics that influence student success
- School Environment — Size, type, and structure
Scores are updated annually using federal education data.
🎓 Nearby Colleges & Universities
Frequently Asked Questions
Which investment style suits Mona, UT?
A careful cash-flow rentals with hands-on management strategy Mona, UT best. The market produces stable results for that approach at the $616K price point.
Is it easy to find good tenants in Mona, UT?
Tenant demand in Mona, UT is solid. The local workforce $1,107/mo rents across most rental classes.
What is the typical home price in Mona, UT?
Homes in Mona, UT typically sell near $616K. Prices have moved at a 0.0% 5-year CAGR, which measured long-term demand.
Does house hacking work in Mona, UT?
House hacking works a challenging in Mona, UT. Rents of $1,107/mo against $616K acquisition make the strategy solid for owner-occupants.
Is UT a landlord-friendly state?
The landlord environment in Mona, UT is landlord-friendly. Statewide rules shape most day-to-day operations for rental owners.
You know 84645 now. You don’t know where it ranks.
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