Mortgage payment estimates, closing cost breakdowns, and homebuying data for Ogden, Utah.
Median Home Price
$365K
Population
87K
Avg Monthly Rent
$1,280
Property Tax Rate
0.58% *
* Property tax shown is the Utah state average effective rate. Actual rates vary by county, city, and school district — check with your local assessor for exact rates in Ogden.
Ogden vs Utah Median
The median home price in Ogden is $365,000, which is 24% below the Utah state median of $480,000.
Mortgage Calculator — Ogden, UT
Pre-filled with Ogden median home price and Utah tax/insurance rates. Adjust for your property.
Three down payment scenarios for a $365K home using Utah's 0.58% tax rate and $1,200/yr insurance.
5% Down
$2,670/mo
Down: $18,250
Loan: $347K
P&I: $2,192
Tax: $176
Insurance: $100
PMI: $202
10% Down
$2,544/mo
Down: $36,500
Loan: $329K
P&I: $2,076
Tax: $176
Insurance: $100
PMI: $192
20% Down (No PMI)
$2,122/mo
Down: $73,000
Loan: $292K
P&I: $1,846
Tax: $176
Insurance: $100
Income needed (28% rule): $91K/year with 20% down, $109K/year with 10% down.
Rent vs Buy in Ogden
Rent
$1,280/mo
vs
Buy (10% down)
$2,544/mo
Price-to-rent ratio: 23.8 — At a ratio above 20, renting may be more economical in Ogden for shorter stays. Buying costs $1,264 more per month than renting, and it typically takes 5-7 years to break even on the transaction costs of buying.
The median home price in Ogden is $365,000, 24% below the Utah state median of $480,000. With a population of 87,321, Ogden is a smaller market where home prices tend to be more accessible than in many parts of Utah.
Property taxes in Utah average 0.58% annually. This low property tax rate is a significant advantage for Ogden buyers, keeping your monthly costs well below what you'd pay in higher-tax states. Homeowners insurance in Utah runs approximately $1,200 per year. This is within the normal range nationally.
Average rent in Ogden is $1,280/month. With a price-to-rent ratio above 20, renting could be more economical in the short term — use our Rent vs Buy calculator to model your specific timeline.
Ogden presents moderate affordability. The $365K median puts homeownership within reach for median-income households, though down payment savings and closing costs require planning.
Run a Rent vs Buy analysis
Compare total costs of renting vs buying in Ogden.