--- title: "Utah Property Tax Calendar vs Your First Escrow Analysis | Ondo Real Estate | Ondo RE" canonical: https://www.ondorealestate.com/blog/utah-property-tax-calendar-first-escrow-analysis/ --- # Utah Property Tax Calendar vs Your First Escrow Analysis County tax year and mortgage escrow year are not the same clock. [Home](/)[Learn](/learn/)First-Time BuyersFirst-Time Buyers Educational [← Mortgage learning hub](/learn/) Utah property taxes are typically due November 30 and billed once a year. Your mortgage escrow account collects monthly on a different clock, so the first analysis after closing can surprise you even when the Loan Estimate was honest. Snapshot as of 2026-08. This is education about calendar timing. It is not tax advice, not a protest-deadline guide, and not a quote of your next escrow payment. Utah property tax billing is county-specific. The first escrow analysis can surprise buyers because the tax year and the mortgage escrow year do not line up the same way in every county. ## The county calendar (unique to Utah practice) Utah property taxes are typically due November 30. If that date falls on a weekend or holiday, the next business day is commonly treated as the due date. Unpaid amounts generally become delinquent the following day. Confirm the county treasurer — this is not a penalty calculator. Utah counties typically bill once a year, not on a spring-and-fall split used in some other states. Valuation notices and tax notices are separate mailings (often mid-year valuation, then a fall tax notice). Dates differ by county. - Confirm the treasurer for the property county — Salt Lake, Utah, Davis, Weber, Washington, and Summit are not identical mail dates. - Valuation notices (often mid-year) are not the tax bill you pay in November. - A protest or exemption deadline is a treasurer/assessor process. This page does not calendar it for you. ## Why the first escrow analysis can surprise County tax calendar vs escrow year as of 2026-08.Question[County tax calendar](/blog/utah-closing-costs-title-origination-prepaids/)[Mortgage escrow year](/blog/escrow-cushion-how-it-is-set/) How often the bill hitsUtah counties typically bill once a year, not on a spring-and-fall split used in some other states. Valuation notices and tax notices are separate mailings (often mid-year valuation, then a fall tax notice). Dates differ by county.The servicer collects monthly, then disburses when the tax and insurance bills are due. Whose calendarUtah property taxes are typically due November 30. If that date falls on a weekend or holiday, the next business day is commonly treated as the due date. Unpaid amounts generally become delinquent the following day. Confirm the county treasurer — this is not a penalty calculator.A mortgage escrow year is not the county tax year. The first escrow analysis after origination can surprise buyers because closing collected an estimate of months until the next November disbursement plus a cushion, then actual billed tax and insurance arrived. Not a quote of your next impound payment. At closing, title and the lender collect an estimate of months until the next tax disbursement, plus a cushion. If you close in spring, a large November bill may still be coming. If you close in late fall, the next November may be a year away. Either way, the first annual analysis uses actual bills, not the closing projection. How that cushion is capped: [how the escrow cushion is set](/blog/escrow-cushion-how-it-is-set/). Shortage options after an analysis are a servicing notice — spread versus lump sum — not origination pricing. Sequel: [escrow shortage after the first year](/blog/escrow-shortage-after-first-year/). Related FAQ: [escrow FAQs](/faq/escrow-faqs/). ## Worked timing (illustration, not your file) - **Close in March.** Closing may collect several months toward November. The first analysis after a year of actual tax and insurance can still show a shortage if the new bill rose. - **Close in October.** The November bill may be paid at or right after closing. The next full year of collections can look “high” monthly because the annual bill is concentrated in one disbursement. Title, origination, and prepaid ranges: [Utah closing costs](/blog/utah-closing-costs-title-origination-prepaids/). Cash besides down payment: [cash to close](/blog/utah-cash-to-close-besides-down-payment/). ## What happens next - Read the county treasurer site for the property — due date and notice schedule — not a national “semi-annual” assumption. - Keep the first escrow analysis letter. Shortage and surplus options are on that notice. - Ask a loan officer how prepaid taxes were estimated on your Loan Estimate. This page is not your next payment. ## Common questions ### When are Utah property taxes typically due? ### Why was my first escrow analysis higher than the Loan Estimate? ## Keep going [Escrow: How the Cushion Is Set, Why It Changes RESPA aggregate analysis generally caps the cushion at about two months of disbursements. Servicers may require less. Not a universal formula.](/blog/escrow-cushion-how-it-is-set/)[Escrow Shortage After the First Year How a shortage appears on the first annual analysis, and typical options to pay or spread. Sequel to the Utah tax calendar and cushion guides. Not tax advice.](/blog/escrow-shortage-after-first-year/)[Impounds vs Waiving Escrow When an escrow waiver exists, it is an overlay — not a promise at 20% down. Cash-to-close vs monthly tradeoff. Informational only.](/blog/impounds-vs-waiving-escrow/)[First Mortgage Statement vs Note Rate The first bill is usually PITI plus odd-days timing — not a secret rate change. Not tax advice.](/blog/first-mortgage-statement-vs-note-rate/)[Escrow, taxes, and insurance FAQs How impound accounts hold taxes and insurance, why the first analysis can surprise, and how the cushion is set. Informational only.](/faq/escrow-faqs/)[Closing Costs in Utah: Title, Origination, and Prepaids Utah funds at title companies, uses deeds of trust, and has no statewide transfer tax. Recording, title premiums, and tax calendars still vary by county.](/blog/utah-closing-costs-title-origination-prepaids/) ## What to do next Education first. A conversation with a loan officer is how you find out what may actually fit your file. [Utah closing costs](/blog/utah-closing-costs-title-origination-prepaids/)[Closing cost calculator](/calculators/closing-cost/)[Start a mortgage conversation](/qualify/) Loan information is provided by Ondo Real Estate (NMLS ID on file). This is not a commitment to lend, a loan approval, or an offer of credit. Rates, terms, and payments shown are estimates for illustration only, are not a quote, and are subject to credit approval, underwriting, and market conditions. You are not required to use Ondo for financing to buy or sell with Ondo. Equal Housing Lender. Program rules, fees, and county loan limits change. Confirm the current published schedule and lender overlays. Nothing here is a quote, a lock, or a credit decision. [Licensing and disclosures](/licensing/)