CALCMONEY // HOME AFFORDABILITY // UT // OGDEN
How much house can you afford in Ogden? Based on local median home prices, current UT mortgage rates, and Ogden property tax data.
$380,000
$2,350/mo
$100,735/yr
$190,745
Monthly housing costs of $2,350 represent 48.6% of Ogden's median gross monthly income ($4,833/mo). At 48.6%, median-income buyers in Ogden are significantly stretched — well above the 28% guideline. A larger down payment or higher income is required.
| Median Home Price | $380,000 |
| Down Payment (20%) | $76,000 |
| Loan Amount | $304,000 |
| Monthly PI Payment | $2,002 |
| Monthly Property Tax | $190 |
| Monthly Insurance Est. | $158 |
| Total Monthly PITI | $2,350 |
| Housing Cost % of Income | 48.6% |
| Required Income (28% rule) | $100,735/yr |
| Max Affordable Home | $190,745 |
$13,300
$3,023/mo
Ogden Home Affordability Quick Reference 2026
| Metric | Value | Notes |
|---|---|---|
| Median Home Price | $380,000 | Ogden city median |
| Down Payment (20%) | $76,000 | Conventional loan |
| Monthly PITI | $2,350 | 6.9% rate, 30yr fixed |
| Required Income (28% rule) | $100,735 | Annual gross |
| Max Affordable Home | $190,745 | Based on median income |
| FHA Down (3.5%) | $13,300 | Minimum FHA |
| Housing Cost % of Income | 48.6% | Median income: $58,000/yr |
| Property Tax Rate | 0.6% | $2,280/yr on median home |
Monthly PITI includes principal, interest, property tax, and homeowners insurance. Estimates only.
The median home price in Ogden is $380,000, with a local 30-year mortgage rate of 6.9%. A buyer putting 20% down carries a loan of $304,000, generating a monthly P&I payment of $2,002. Adding property taxes ($190/mo) and homeowners insurance ($158/mo) brings total monthly PITI to $2,350.
Ogden's property tax rate of 0.6% is among the lower rates in the country, which improves overall affordability by keeping total PITI closer to the principal and interest payment alone. On the Ogden median home, that is $190/month, or $2,280 per year.
Utah levies a state income tax, which affects take-home pay and effective buying power. High-income earners in Ogden should factor state tax liability into their overall housing budget — mortgage interest may be deductible on both federal and state returns.
Using the 28% rule, a household earning Ogden's median income of $58,000/year can afford up to $1,353/month in total housing costs. Based on Ogden's mortgage rate of 6.9% and property tax rate of 0.6%, that translates to a maximum affordable home price of approximately $190,745 with 20% down on a 30-year loan.
To afford the median Ogden home priced at $380,000, you need an annual gross income of approximately $100,735. Total monthly housing costs (principal and interest of $2,002, property taxes of $190, and insurance of $158) come to $2,350/month, which equals 28% of the required income.
At the median home price of $380,000 and median household income of $58,000, the total monthly housing cost of $2,350 represents 48.6% of gross monthly income. This is well above the standard 28% threshold, making Ogden a challenging market for buyers at median income.
A conventional 20% down payment on the median Ogden home of $380,000 is $76,000. An FHA loan requires just 3.5% down — $13,300 — but adds mortgage insurance of roughly $260/month, bringing total FHA payments to $3,023/month.
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