ZIP Code 84645 — Mona city, UT Demographics & Data

ZIP code 84645 covers Mona, UT in Juab County with a population of about 2,982.

At a glance, the area shows median age of 23.7 versus a U.S. median of about 38.9.

It sits in telephone area code 435; U.S. House district UT-4; the SALT LAKE CITY media market.

Median household income in ZIP 84645 is about $93,750 — about 25% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 7.0%; unemployment rate near 1.1%; 17.8% of adults with a bachelor’s degree or higher (about 15.9 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Retail trade, and Transportation; about 18.4% of workers reporting work-from-home (about 3.3 points above the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $421,000 — about 21% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $493 (about 58% below the U.S. median rent ($1,163)), and owner-occupancy near 88.8% (about 23.4 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 84645 in Mona, UT, a household would need roughly $116,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $2,704. That is about 24% above the local median household income ($93,750), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Mona city, UT as Very Low (composite score 15.3), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (91.0) and flood (4.8). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Mona city, UT show little to no average snow and around 13.7 inches of annual precipitation.

IRS migration statistics show a net inflow of about 226 for ZIP 84645 (Mona city, UT) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.