Insights - Narwhal Homes

Utah Homes Insights

Narwhal Homes Insights

The First-Year Add-On Budget for a New Utah Home: Appliances, Yard, Blinds, and What’s Usually Not Included

Short answer: Most Utah production builders include a basic kitchen appliance package (often range, dishwasher and microwave) but leave the refrigerator, washer and dryer to the buyer. Front yard landscaping is a toss-up. Some builders include it, many don't, and city or HOA rules often require you to finish it within 6 to 12 months of closing. Blinds, fencing, backyard

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Preparing for Your First Design Appointment: A Buyer’s Guide to Finish Selections at Utah Design Centers

Your first design appointment at a Utah design center is a guided, one-to-two-session walkthrough where you choose the finishes for your new home: flooring, cabinets, countertops, tile, fixtures, paint, and more. The best way to prepare is to know three things before you walk in: what's already included in your price, what a realistic selections budget looks like for your

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Comparing Two Builder Quotes Line by Line: How to Evaluate a Richmond American Offer Against Other Utah Options

Comparing two builder quotes fairly comes down to five lines: base price, lot premium, options and upgrades, incentives, and timeline. Convert every one of them to the same unit (total dollars, plus a move-in date), and the real difference usually shows up fast. Most "cheaper" quotes aren't cheaper. They just put the costs in different places. If you're weighing a

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What Income Do You Need to Buy a New Construction Home in Utah in 2026?

Most Utah households need roughly $120,000 to $180,000 in annual income to comfortably buy a new construction home priced between $400,000 and $600,000. That assumes a 30-year fixed mortgage around 6.25%, 5% down, and a total housing payment (principal, interest, taxes, insurance, and mortgage insurance) of about 28% of gross income. Your own number will shift with your rate, your

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