American Fork, Utah.
Typical home $523,935 (+1.8% in a year), asking rent $1,627 (-0.8%). Provo-Orem, UT metro.
to buy the typical home at today's mortgage rate — +$1,481 (+117%) since Jan 2020.
- 1 year
- Up $9,512 +2%
- $514,424$523,935 since Sep 2025
- 5 years
- Up $53,996 +11%
- $469,939$523,935 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- American Fork$2,750
- Utah$2,797
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 32 years.
Typical home values in American Fork, UT rose 1.8% over the past year — faster than the nation's +1.2%.
Asking rents in American Fork, UT fell 0.8% over the past year — slower than the nation's +2.7%.
Owning the typical home in American Fork runs $1,876/mo more than renting one. The gap peaked at $1,922 in Jan 2025.
That is $3,503 a month against $1,627 rent: a $2,750 mortgage payment, plus $192 property tax and $561 insurance & upkeep.
Owning vs renting — American Fork
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$3,503
- Renting$1,627
- Mortgage only$2,750
Property tax · $192/mo 0.44% of value a year — the ACS 2020-2024 median bill over the median home value for Utah County, UT
Insurance & upkeep · $561/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in American Fork, Utah County, Utah
American Fork is a city of 33,337 people in Utah County. Half its households earn more than $98,878 a year and half less, against $100,671 across Utah County; 7% of its people live below the poverty line. 66% of its homes are lived in by their owners and 34% are rented. Unemployment in American Fork was 4.2% in August 2026, and Utah County had 1.8% more jobs in 2025 than the year before. The most residents work in schools and health care, then professional services.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. American Fork is a city in Utah County with a young population, and most homes are lived in by their owners. Household incomes run a little below the county's, and a good share of adults hold a four-year degree. Winters are cold, with snow through the season, while summers turn hot and dry out between storms.
Work. Residents work mostly in schools, hospitals and social care, with many others in professional and business services, shops and manufacturing. American Fork Hospital, Walmart and Amazon are among the largest workplaces in the city. A fair number of people work from home, and the usual trip to work is a short one.
Things to do. Timpanogos Cave National Monument, a protected area, and the American Fork River are both a short drive away. For a day out, Utah Lake is a longer drive away, and Sundance Resort, a ski area, is also a longer drive.
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- 11,516households
- 43%of adults have a degree
- 7%below the poverty line
- 23 mintypical commute
- 18%work from home
What residents work in
Employed residents by industry, from the Census survey. Utah County had 300,580 jobs in 2025, 1.8% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 41° and lows near 24°; warmest in July, with highs near 93° and lows near 64°. About 41 inches of snow and 16 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Pleasant Grove weather station, 3 miles away (NOAA).
Largest workplaces in American Fork
- American Fork HospitalGeneral hospital670FTE
- WalmartWarehouse clubs and supercenters406
- AmazonCouriers and express delivery services282
- TargetDiscount department stores214
- 1 Landmark Excavating, Inc.-landmark ExcavatingConstruction/excavation205
- Doug Smith AutoplexNew car dealers188
- Thrive Freeze DryVegetables dehydrating170
- Stonehenge of American ForkSkilled nursing facilities169
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 26 workplaces with 20 or more staff, 4,134 people in all. Hospitals come from their Medicare cost reports (CMS, 2023); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- EarthquakesRelatively high
- LightningRelatively high
- AvalanchesRelatively moderate
- Winter weatherRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in American Fork’s census tracts, against the rest of the country; all of them together, relatively moderate. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Utah County and the Provo-Orem, UT metro.
American Fork home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- American Fork$523,935
- Utah$532,920
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
Sellers are cutting prices on about 1 in 3 American Fork listings, and the typical home goes pending in 35 days — the market is cooling.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- American Fork38.97%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- American Fork35
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- American Fork169
New listings per month
Sellers arriving at the market.
- American Fork49
Median sale price
What buyers actually paid — closed sales, not asking prices.
- American Fork$511,478
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- American Fork99.55%
Zip codes with a American Fork address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls American Fork — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.