Utah
Last checked 2026-06-16
37
Designated tracts (of 147 eligible)
10
Rural designated — QROF treatment
14
Former OZ 1.0 tracts redesignated
57
Days until designations take effect
How Utah chose
Treasury published the final list on October 30, 2026. Utah designated 37 of 147 eligible tracts, its full allocation, in 15 of 17 counties with eligible tracts. Designations take effect January 1, 2027 and run through December 31, 2036.
Compared with the eligible tracts it passed over, Utah favored former OZ 1.0 tracts, passed over Urban Institute Tier 1 tracts and favored rural tracts.
| Trait | Designated | Passed over |
|---|---|---|
| Former OZ 1.0 tract | 37.8% | 17.3% |
| Rural (QROF) | 27% | 18.2% |
| Urban Institute Tier 1 | 32.4% | 48.2% |
| Median poverty rate | 20.3% | 18.2% |
| Median family income, % of area | 59.2% | 65.2% |
| Residents of color (mean) | 35.3% | 37.5% |
| Median density, people / sq mi | 4,334 | 5,402 |
Poverty and income: Treasury's own eligibility figures (ACS 2020–2024). Demographics: ACS 2020–2024. Former OZ 1.0 = at least half the tract's land area was in a 2018 QOZ. How every state compares →
Record: how Utah ran its nomination input process
Nomination process
The lead agency has been identified, but no public process has been published yet. Contact information is below.
Map: designated and eligible tracts
Loading 147 eligible tracts…
Designated tracts by county
The county is usually the first local partner on an OZ deal — zoning, infrastructure, incentives. CDEs listed are New Markets Tax Credit allocatees that have already financed deals inside this county's designated tracts: the organizations with a working track record of underwriting there.
| County | Designated / eligible | Rural | OZ 1.0 kept / lost | Residents | NMTC CDEs active in designated tracts |
|---|---|---|---|---|---|
| Salt Lake County | 11 / 49 | — | 5 / 14 | 47,225 | Advantage Capital Community Development Fund, LLC; Community Development Finance Alliance; ESIC New Markets Partners LP; Enhanced Community Development, LLC; HEDC New Markets, Inc; Nonprofit Finance Fund; Stonehenge Community Development, LLC; Waveland Community Development, LLC; Zions Community Investment Corp. |
| Utah County | 7 / 30 | — | 1 / 4 | 34,731 | — |
| Cache County | 3 / 9 | — | 1 / 1 | 15,858 | — |
| Weber County | 3 / 16 | — | 1 / 4 | 9,472 | Advantage Capital Community Development Fund, LLC; Charter Facilities Funding, LLC; Chase New Markets Corporation; Community Development Finance Alliance; Enhanced Community Development, LLC; Stonehenge Community Development, LLC; Waveland Community Development, LLC; Zions Community Investment Corp. |
| Davis County | 2 / 8 | — | 2 / 1 | 9,542 | — |
| Iron County | 2 / 7 | 2 | 1 / 2 | 8,193 | — |
| Box Elder County | 1 / 2 | 1 | 1 / 2 | 3,776 | — |
| Carbon County | 1 / 3 | 1 | 1 / 0 | 4,792 | — |
| Duchesne County | 1 / 1 | 1 | 0 / 1 | 3,100 | — |
| Grand County | 1 / 1 | 1 | 0 / 2 | 4,804 | National New Markets Tax Credit Fund, Inc. |
| Piute County | 1 / 1 | 1 | 0 / 0 | 1,694 | — |
| Sanpete County | 1 / 5 | 1 | 1 / 1 | 1,819 | — |
| Tooele County | 1 / 3 | 1 | 0 / 1 | 1,862 | — |
| Uintah County | 1 / 3 | 1 | 0 / 0 | 4,057 | — |
| Washington County | 1 / 6 | — | 0 / 3 | 4,831 | — |
| San Juan County | 0 / 2 | — | 0 / 1 | — | — |
| Sevier County | 0 / 1 | — | 0 / 1 | — | — |
Counties with no designated tracts are listed only if they lost OZ 1.0 tracts. NMTC: CDFI Fund NMTC public data release. 12 distinct CDEs across Utah's designated tracts.
Find projects and partners in the designated tracts
Every designated tract in Utah, tagged by the signals that point to a project type or a partner. Pick tags to narrow the list — a tract must carry every tag selected. Tags are simple published rules, not a score; hover a tag for its definition.
37 of 37 tracts shown
Download all eligible tracts, national (CSV) →| Tract | County | Pov. | MFI | Pop. | Rent. | Vac. | Signals | Prior NMTC CDEs |
|---|---|---|---|---|---|---|---|---|
| 49003960601 | Box Elder County | 12.6% | 69.3% | 3,776 | 28.2% | 4.1% | Rural / QROFFormer OZ 1.0UI Tier 1 | — |
| 49005000501 | Cache County | 20.3% | 55.2% | 5,339 | 61% | 1.8% | CRA-eligibleUI Tier 1 | — |
| 49005000800 Salt Lake City | Cache County | 31.5% | 54.5% | 5,301 | 86% | 13.1% | CRA-eligibleHousing pressure | — |
| 49005001002 | Cache County | 23% | 68.3% | 5,218 | 58.6% | 3% | Former OZ 1.0CRA-eligibleHousing pressureUI Tier 1 | — |
| 49007000600 Uintah and Ouray Reservation | Carbon County | 17.8% | 65% | 4,792 | 28.1% | 18.8% | Rural / QROFFormer OZ 1.0TribalHigh vacancy | — |
| 49011125701 | Davis County | 21.9% | 53.6% | 5,452 | 69.4% | 8.1% | Former OZ 1.0CRA-eligibleHousing pressureUI Tier 1 | — |
| 49011125702 Ogden | Davis County | 22.3% | 64.3% | 4,090 | 27.6% | 9.5% | Former OZ 1.0CRA-eligible | — |
| 49013940501 Clearfield | Duchesne County | 19.6% | 69.9% | 3,100 | 49.2% | 13.4% | Rural / QROFCRA-eligibleTribal | — |
| 49019000200 | Grand County | 19.4% | 63% | 4,804 | 40.1% | 7.4% | Rural / QROFNMTC track recordCRA-eligible | National New Markets Tax Credit Fund, Inc. $0.7M · 1 deal |
| 49021110502 Paiute (UT) Reservation | Iron County | 25.9% | 71.4% | 5,246 | 45.1% | 7.5% | Rural / QROFCRA-eligibleTribal | — |
| 49021110601 | Iron County | 30.9% | 40.4% | 2,947 | 71.9% | 2.1% | Rural / QROFFormer OZ 1.0CRA-eligibleHousing pressure | — |
| 49031960100 Brigham City | Piute County | 10.2% | 55.3% | 1,694 | 4.5% | 36.1% | Rural / QROFCRA-eligibleHigh vacancy | — |
| 49035102100 | Salt Lake County | 22.5% | — | 2,386 | 88% | 11.1% | NMTC track recordCRA-eligibleUI Tier 1 | Community Development Finance Alliance; ESIC New Markets Partners LP; Stonehenge Community Development, LLC $16.6M · 3 deals |
| 49035102702 | Salt Lake County | 33.7% | 29.7% | 3,018 | 50.7% | 11.4% | Former OZ 1.0CRA-eligibleHousing pressure | — |
| 49035102900 Naples | Salt Lake County | 27.2% | 54.8% | 6,149 | 75.6% | 2.8% | NMTC track recordCRA-eligibleHousing pressure | Advantage Capital Community Development Fund, LLC; Zions Community Investment Corp. $48.7M · 3 deals |
| 49035111500 Clearfield | Salt Lake County | 17.9% | 54.6% | 2,772 | 77.8% | 7% | Former OZ 1.0NMTC track recordCRA-eligibleHousing pressure | Enhanced Community Development, LLC; Nonprofit Finance Fund; Stonehenge Community Development, LLC; Zions Community Investment Corp. $70.1M · 7 deals |
| 49035111802 Salt Lake City | Salt Lake County | 11.7% | 67.4% | 2,760 | 50.6% | 18.2% | Former OZ 1.0High vacancyUI Tier 1 | — |
| 49035112101 | Salt Lake County | 10.2% | 59.6% | 5,188 | 84.5% | 7% | CRA-eligibleUI Tier 1 | — |
| 49035112404 | Salt Lake County | 11.9% | 56.2% | 5,149 | 75.3% | 5% | CRA-eligibleHousing pressureUI Tier 1 | — |
| 49035112700 Kearns | Salt Lake County | 2.3% | 66.6% | 5,257 | 42.6% | 3.2% | CRA-eligible | — |
| 49035113312 Ogden | Salt Lake County | 24.5% | 60.3% | 3,285 | 59.5% | 10.2% | Former OZ 1.0CRA-eligible | — |
| 49035113514 | Salt Lake County | 17.2% | 45.5% | 5,863 | 57.5% | 9.9% | CRA-eligibleHousing pressure | — |
| 49035113906 | Salt Lake County | 9.5% | 63.5% | 5,398 | 47.8% | 7% | Former OZ 1.0NMTC track recordCRA-eligibleUI Tier 1 | HEDC New Markets, Inc; Waveland Community Development, LLC $10.0M · 2 deals |
| 49039972401 | Sanpete County | 7.7% | 60.5% | 1,819 | 64.9% | 7.3% | Rural / QROFFormer OZ 1.0CRA-eligible | — |
| 49045130600 Skull Valley Reservation|Goshute Reservation | Tooele County | 18.3% | 48.2% | 1,862 | 76.3% | 30.2% | Rural / QROFCRA-eligibleTribalHigh vacancy | — |
| 49047968401 | Uintah County | 14.2% | 58.9% | 4,057 | 41.4% | 17.8% | Rural / QROFCRA-eligibleHigh vacancy | — |
| 49049000511 | Utah County | 6.1% | 62.8% | 5,198 | 65.4% | 3.2% | CRA-eligibleUI Tier 1 | — |
| 49049001801 | Utah County | 67.1% | 35.1% | 6,873 | 98.8% | 5.9% | CRA-eligibleHousing pressure | — |
| 49049001802 | Utah County | 48.4% | 28.9% | 8,076 | 94.5% | 6.7% | CRA-eligibleHousing pressure | — |
| 49049001900 Ogden | Utah County | 30.7% | 40.3% | 3,840 | 92.7% | 5.5% | CRA-eligibleHousing pressure | — |
| 49049002209 Orem | Utah County | 15% | 56.5% | 4,685 | 90% | 1.8% | CRA-eligibleHousing pressure | — |
| 49049002902 | Utah County | 21% | 75% | 3,932 | 29.8% | 0% | UI Tier 1 | — |
| 49049980500 | Utah County | 26.3% | 48.6% | 2,127 | 74.2% | 0% | Former OZ 1.0CRA-eligible | — |
| 49053271501 Logan | Washington County | 22.2% | 71.1% | 4,831 | 52.2% | 8.9% | Housing pressure | — |
| 49057201100 | Weber County | 20.9% | 74.7% | 2,449 | 85% | 15.6% | Former OZ 1.0NMTC track recordHigh vacancy | Advantage Capital Community Development Fund, LLC; Charter Facilities Funding, LLC; Chase New Markets Corporation; Enhanced Community Development, LLC; Waveland Community Development, LLC; Zions Community Investment Corp. $94.6M · 6 deals |
| 49057201900 | Weber County | 20.9% | 56.7% | 1,231 | 36.5% | 19.9% | NMTC track recordCRA-eligibleHigh vacancy | Advantage Capital Community Development Fund, LLC; Community Development Finance Alliance; Stonehenge Community Development, LLC; Zions Community Investment Corp. $1.1M · 6 deals |
| 49057210701 | Weber County | 5.3% | 63.3% | 5,792 | 26.5% | 4.3% | UI Tier 1 | — |
Reading the signals for projects
- Rural / QROF — a rural QOF investment gets a 30% basis step-up at five years, and existing buildings need only 50% improvement. Rehab of existing stock pencils here in ways it does not elsewhere. Mechanics →
- Housing pressure — mostly renters, most of them cost-burdened. Housing deals here have demand; they also carry displacement risk, which is where community benefit terms matter.
- High vacancy — vacant structures to bring back. Pair with the 50% rural improvement threshold where both apply.
- UI Tier 1 — the Urban Institute's read that private capital is likely to come and the impact would be larger.
Reading the signals for partners
- NMTC track record — the listed CDEs have underwritten deals in this exact tract. They know the market and can layer NMTC with OZ equity. How they stack →
- CRA-eligible — bank investment here earns CRA credit. Start with community development officers at banks with branches in the county.
- Former OZ 1.0 — QOFs and sponsors may already hold assets here. They are the most likely early OZ 2.0 investors and know the local approvals path.
- Tribal — the tribal government is a principal, not a stakeholder to consult. Persistent poverty — USDA Rural Development programs can fill gaps.
Data context
2
Eligible tracts in EIG DCI top distress quintile
The EIG Distressed Communities Index (2019–2023) is referenced in many state scoring rubrics. Quintile 1 = most distressed. See whether OZ 1.0 reached the most distressed places →
1
Counties with eligible tracts designated USDA persistent poverty
Persistent poverty = 20%+ poverty rate in every census 1980–2010. Source: USDA ERS County Typology Codes (2015 edition). Relevant for USDA RD program eligibility and QROF rural bonus. See QROF rural bonus mechanics →
62
Prior NMTC investments in eligible OZ tracts
CDFI Fund NMTC Public Data Release (2024). Indicates prior CDFI capital deployment track record in these tracts. See how NMTC and OZ stack →
114
Eligible tracts with CRA designation (LMI or distressed/underserved)
Banks earn CRA credit for investing in low- or moderate-income tracts (Track 1), and in non-metropolitan middle-income tracts officially designated distressed or underserved by FFIEC (Track 2). When an OZ project sits in a CRA-eligible tract, bank capital can satisfy CRA obligations while generating OZ tax benefits. How CRA and OZ interact →
Cities: Salt Lake City, Provo, Ogden, West Valley City, Orem and 52 more
ZIP codes: 84119, 84606, 84401, 84601, 84604 and 95 more
See all 57 cities and 100 ZIP codes
All cities:
Salt Lake City, Provo, Ogden, West Valley City, Orem, Logan, Clearfield, Cedar City, Layton, Saint George, Sandy, Springville, Midvale, Tooele, Vernal, Paragonah, Parowan, Pleasant Grove, Price, Wendover, Virgin, Washington, Roosevelt, Roy, Vineyard, Mount Pleasant, Spring City, Summit, Syracuse, Toquerville, Smithfield, American Fork, Monument Valley, Hill Air Force Base, Antimony, Bountiful, Brian Head, Brigham City, Central, Circleville, Dugway, Fairview, Grantsville, Greenwich, Hurricane, Montezuma Creek, Ibapah, Junction, Kanarraville, Kingston, La Verkin, Magna, Mantua, Marysvale, Mexican Hat, Aneth, Moab
All ZIP codes:
84119, 84606, 84401, 84601, 84604, 84116, 84015, 84403, 84115, 84321, 84102, 84111, 84123, 84107, 84057, 84405, 84104, 84058, 84118, 84041, 84341, 84720, 84404, 84097, 84106, 84129, 84663, 84602, 84721, 84790, 84105, 84074, 84047, 84078, 84070, 84603, 84760, 84761, 84536, 84534, 84605, 84770, 84772, 84532, 84774, 84779, 84780, 84750, 84629, 84745, 84510, 84743, 84647, 84742, 84662, 84740, 84712, 84737, 84719, 84732, 84723, 84722, 84531, 84003, 84501, 84412, 84091, 84089, 84083, 84075, 84067, 84066, 84062, 84059, 84056, 84044, 84034, 84029, 84022, 84016, 84011, 84101, 84108, 84112, 84199, 84402, 84335, 84324, 84323, 84322, 84010, 84170, 84113, 84148, 84134, 84128, 84121, 84120, 84117, 84302
Look up a specific tract (FFIEC) → Source: FFIEC Census Flat File 2026, joined to IRS Rev. Proc. 2026-14 eligible tracts.
65
Eligible tracts in top investability quintile (Urban Institute model)
The Urban Institute investability model scores OZ-eligible tracts by predicted likelihood of attracting private capital, based on OZ 1.0 investment patterns. Quintile 1 = highest predicted investability among scored tracts. Not all tracts are scored — coverage reflects tracts with sufficient OZ 1.0 data.
Who to contact
Utah Governor's Office of Economic Opportunity (Go Utah)
https://business.utah.gov/opportunity-zones/Certified CDFIs
5 certified CDFIs headquartered in Utah. CDFI Fund certified list →
USDA Rural Development
USDA RD Utah State Office →RCAP Regional Partner
Rural Community Assistance Corporation (RCAC) →Rural LISC
Rural LISC →Native / tribal
No formal tribal consultation process has been published for Utah's OZ 2.0 nomination. If your jurisdiction contains or is adjacent to tribal land, contact the relevant Tribal Historic Preservation Office (THPO) or tribal government directly before submitting a nomination.
Designations: Treasury, 2027 QOZ designations and revised eligible-tract file (October 30, 2026). Demographics: ACS 2020–2024 5-year. OZ 1.0: IRS Notice 2018-48, crosswalked to 2020 tracts. Eligible tract counts: IRS Rev. Proc. 2026-14 (April 6, 2026). Rural designation: Notice 2025-50, Section 4.01. Status tier last verified 2026-06-16. Full methodology.