St. George Housing Market
St. George's market is driven by in-migration from California, Nevada, and northern Utah. The city offers a range from condos to custom desert homes. New construction communities are expanding north and east. The market can be competitive, especially in the $350K-$500K range.
Mortgage Programs Available in St. George
Utah Housing programs available statewide. FHA and conventional loans. USDA-eligible areas in surrounding communities. CDC Utah programs for Washington County. VA loans for the growing veteran population.
Loan Options for St. George Home Buyers
FHA Loans
3.5% down, credit scores from 580+
Conventional Loans
As low as 3% down, competitive rates
VA Loans
Zero down for veterans & military
USDA Loans
Zero down in eligible rural areas
Down Payment Assistance
Grants & programs to reduce costs
First-Time Buyer Programs
Special programs for new buyers
Why Work With Felix Vivanco in St. George?
Felix Vivanco is a licensed mortgage loan officer (NMLS #2002977) based in Lehi, Utah — right in the heart of the Wasatch Front. With over six years of experience and 106 five-star Google reviews, Felix has helped hundreds of Utah families navigate the mortgage process. He specializes in finding the right loan program and down payment assistance for each client's unique situation.
Felix is bilingual in English and Spanish, making the mortgage process accessible to St. George's diverse community. Whether you're a first-time buyer, veteran, or looking to refinance, Felix will find the best rate and program for you.
Learn more about Felix Vivanco →
Frequently Asked Questions — St. George Mortgages
What is the median home price in St. George?
The median home price in St. George is approximately $480,000, though prices have risen significantly due to in-migration from California and Nevada. Condos and townhomes offer more affordable entry points in the $300K-$400K range.
Is St. George a good retirement market?
Yes. St. George is one of the top retirement destinations in the western U.S., offering warm weather year-round, world-class golf, and proximity to Zion National Park. Many retirees relocate from higher-cost states and purchase with conventional or cash financing.
What loan programs work in St. George?
FHA, conventional, and VA loans are all available in St. George. Utah Housing programs apply statewide. Some outlying communities in Washington County may qualify for USDA zero-down financing — check the USDA eligibility maps for your specific address.
Does Felix Vivanco serve southern Utah?
Yes. Felix Vivanco (NMLS #2002977) is licensed to serve all of Utah, including St. George and Washington County. He is based in Lehi but works remotely with clients across the state, and is bilingual in English and Spanish.
Ready to Buy a Home in St. George?
Get pre-approved or schedule a free consultation with Felix Vivanco.