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City · 6,023 residents · Davis County, Utah

Fruit Heights , Utah

In Fruit Heights, a typical home is worth $667,700 and typical rent is $1,932 a month. Compared with all of Davis County, the typical home value is 32% higher, typical household income is 27% higher, and the share of households that own their home is 18 points higher.

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  • Typical home value

    $667,700

    32% above the county

    36% above Utah

    • Fruit Heights
    • Davis
    • Utah

  • Typical rent

    $1,932a month

    19% above the county

    29% above Utah

    • Fruit Heights
    • Davis
    • Utah

  • Typical household income

    $140,679a year

    27% above the county

    48% above Utah

    • Fruit Heights
    • Davis
    • Utah

  • Households that own their home

    96%

    18 points above the county

    25 points above Utah

    • Fruit Heights
    • Davis
    • Utah

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$758,983
3.7% more than 12 months ago

From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).

Fruit Heights is in Davis County. The FHA loan limit ($744,050 for a one-unit home), the fair market rents and the help on this page are those of all of Davis County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Fruit Heights apart

What this place has that others do not, from public data, most unusual first.

  1. Fruit Heights has the 3rd highest homeownership rate of the 97 cities in Utah with more than 5,000 people (96%).

  2. Nearby, in Clearfield, the typical home value is $373,900: 44% less than in Fruit Heights ($667,700).

  3. The typical home in Fruit Heights is worth $667,700, 32% more than in Davis County as a whole ($505,500).

  4. Fruit Heights has the 6th highest typical household income of the 97 cities in Utah with more than 5,000 people ($140,679).

  5. Nearby, in Kaysville, the typical rent is $1,538: 20% less than in Fruit Heights ($1,932).

  6. The typical rent in Fruit Heights is $1,932 a month, 19% more than in Davis County as a whole ($1,621).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Fruit Heights

What homes there are in Fruit Heights, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

In Fruit Heights, 9 in 10 homes are single-family detached houses; in Davis County, 7.

Year built

In Fruit Heights, half of the homes were built before 1988; in Davis County, before 1993.

There is more room for a big family here: 95% of homes have 3 bedrooms or more, against 80% in Davis County.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$2,366 a month

Davis County: $2,047 a month

Without a mortgage

$770 a month

Davis County: $574 a month

Owners with a mortgage

65%

Davis County: 71%

The typical cost for an owner with a mortgage in Fruit Heights is $2,366 a month, more than in Davis County ($2,047); without one, $770.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

Homes in Fruit Heights gained value more slowly than in Davis County: 69% since 2015–2019, against 74%.

The typical rent in Fruit Heights stayed about the same over that time: the difference is within the Census margin of error.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureFruit HeightsDavis CountyUtahUnited States
Rental vacancy Unreliable estimate5.3%5.5%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.6%0.9%
More than one person per room Unreliable estimate2.6%3.1%3.4%
People per household 3.033.182.972.53
Drive alone 74%71%67%69%
Carpool Unreliable estimate8%10%9%
Public transit Unreliable estimate1%2%3%
Walk or bike Unreliable estimate2%3%3%
Work from home 22%18%18%15%
Other means Unreliable estimate1%1%2%
Typical commute 20 to 29 minutes20 to 29 minutesUnreliable estimate20 to 29 minutes

A household in Fruit Heights has 3.03 people on average, about the same as in Davis County (3.18).

Working from home is more common in Fruit Heights: 22%, against 18% in Davis County.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Fruit Heights?

A typical home costs more than the typical income allows

We start with a typical home in Fruit Heights, worth $667,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 45% of the typical household income in Fruit Heights, which is $140,679 a year. For that payment to be 28% of income, a household would need to earn about $227,322 a year.

The calculator's FHA and conventional loan limits are those of all of Davis County.

Your numbers

Local data
$

Starts at the typical home value in Fruit Heights. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $23,370 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$5,304

at 7.18% · 30 years

Loan amount
$655,606
Total interest
$943,263
Paid off in
November 2056

Includes $11,276 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $3,283 a month

  • Tight

    $3,283 to $4,220 a month

  • Hard

    more than $4,220 a month

    Your payment · 45%

Compared with the typical household income in Fruit Heights ($140,679 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$5,304
Principal & interest$4,441
Property tax$289
Home insurance$278
FHA mortgage insurance (MIP)$295

You need at least $23,370 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Fruit Heights and Davis County

Fruit Heights is in Davis County, Utah. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Fruit Heights's own numbers

Typical home value
$667,700
Typical monthly rent
$1,932
Typical yearly household income
$140,679
Households that own their home
96%
Effective property tax rate
0.52%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Davis County

FHA limit, one-unit home
$744,050
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,591
Price change over 5 years (FHFA)
+50%
Homes in a high flood-risk zone
0.4%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Davis County.

Everything about Davis County

Buying

Buying a home in Fruit Heights

A typical home in Fruit Heights is worth $667,700: 32% above the county and 36% above Utah. With the typical household income in Fruit Heights ($140,679 a year), a typical home costs 4.7 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Fruit Heights 4.7 years
  • Davis 4.6 years
  • Utah 5.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Davis County

According to FHFA’s house price index, home prices in Davis County rose 119% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Davis County.

Period County Utah U.S.
Last year (2025) +2.0% +2.4% +2.9%
5 years (2020–2025) +50% +53% +47%
10 years (2015–2025) +119% +121% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Fruit Heights next to Davis County, Utah and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Fruit Heights $667,700
  • Davis $505,500
  • Utah $489,400
  • United States $332,700
Typical monthly rent
  • Fruit Heights $1,932
  • Davis $1,621
  • Utah $1,496
  • United States $1,413
Typical yearly household income
  • Fruit Heights $140,679
  • Davis $110,884
  • Utah $95,166
  • United States $80,734
See the full table
Fruit Heights next to Davis County and Utah
Measure Fruit Heights Davis County Utah U.S.
Typical home value $667,700 $505,500 $489,400 $332,700
Typical monthly rent $1,932 $1,621 $1,496 $1,413
Typical yearly household income $140,679 $110,884 $95,166 $80,734
Households that own their home 96% 77% 70% 65%
Typical yearly property tax $3,493 $2,665 $2,525 $3,119
Effective property tax rate 0.52% 0.53% 0.52% 0.94%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Davis County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Fruit Heights

For a typical $667,700 home in Fruit Heights, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Fruit Heights's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $5,304a month

    Least cash to close
    Down payment
    $23,370
    Cash to close
    $43,401
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $295

  • Conventional, 5% down $5,182a month

    Down payment
    $33,385
    Cash to close
    $53,416
    Rate
    7.18%
    Mortgage insurance
    PMI · $317

  • Conventional, 20% down, no PMI $4,186a month

    Down payment
    $133,540
    Cash to close
    $153,571
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $4,803a month

    Down payment
    $100,155
    Cash to close
    $120,186
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Fruit Heights and for Davis County.

Property tax

Effective rate in Fruit Heights

0.52%of the home’s value each year

$3,493 a year for the typical owner in Fruit Heights.

  • Fruit Heights 0.52%
  • Davis 0.53%
  • Utah 0.52%

What Utah publishes Primary residential exemption (45 percent of value) (Utah State Legislature (Utah Code))

Exemptions and deadlines in Utah

Flood risk in Davis County

FEMA does not publish these numbers by city: they are for all of Davis County.

Homes in the high-risk zone
0.4%
405
Of those, with NFIP insurance
11%
County Utah U.S.
Homes in the high-risk zone 0.4% 0.8% 3.5%
Of those, with NFIP insurance 11% 16% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Fruit Heights

Typical rent in Fruit Heights is $1,932 a month: 19% above the county.

HUD publishes a fair market rent for all of Davis County, by unit size. To pay the 2-bedroom one ($1,591 a month) without spending more than 30% of your income, you would need to earn $30.60 an hour working full time.

HUD fair market rent for all of Davis County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,184 $22.77 $47,360
1 bedroom $1,251 $24.06 $50,040
2 bedrooms $1,591 $30.60 $63,640
3 bedrooms $2,132 $41.00 $85,280
4 bedrooms $2,550 $49.04 $102,000

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Fruit Heights

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Fruit Heights is in ZIP code 84037.

For 2 bedrooms it is $1,730: $139 more than the fair market rent for Davis County ($1,591).

  • 84037 $1,730$2,320

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Fruit Heights when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Free help

Help to buy or rent in Fruit Heights

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

We found no HUD-approved agencies with an office in Davis County. The nearest ones are below; many serve by phone or online.

An older man and his daughter go over papers with a professional.

HUD counseling is free or low-cost

Assistance programs in Fruit Heights

No down payment, repair or rent-help program on our list is for Fruit Heights or Davis County. The ones below are statewide in Utah: they work in Fruit Heights the same as in the rest of the state.

Which programs do I qualify for? All programs in Utah

  • Utah Housing Down Payment Assistance Second Mortgage

    Statewide in Utah

    Utah state agency second mortgage for the down payment or closing costs alongside its first mortgage: up to 6% of the loan with monthly payments, or up to 3.5% at 3.5% with deferred interest and no payments; capped at $27,500. Offered by Utah Housing Corporation (UHC).

    RepayableDeferred

    See the program Official page

  • First-time Homebuyer Assistance Program

    Statewide in Utah

    Utah state loan, run by Utah Housing, of up to $20,000 with no interest or monthly payments for the down payment, closing costs or a lower rate; only for first-time buyers of a newly built home with a Utah Housing mortgage. Offered by Utah Housing Corporation (UHC).

    Deferred

    See the program Official page

Housing counselors near Fruit Heights

The HUD-approved agencies closest to the center of Fruit Heights, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Utah State University-Weber County Extension

    1181 North Fairgrounds Drive, Ogden · 18 miles away

    • Homebuyer education workshops
    801-399-8200-8013

  • Community Development Corporation of Utah

    501 E 1700 S, Salt Lake City · 20 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    801-994-7222x200

  • Utah State University-Salt Lake County Extension

    2001 South State Street, Salt Lake City · 21 miles away

    • Homebuyer education workshops
    (385) 468-4830

All counseling agencies in Utah

Help in Spanish near Fruit Heights

1 of the 3 agencies on this list says it serves in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Fruit Heights

In HUD’s record, no housing authority with an office in Davis County is named for Fruit Heights or Davis County.

One other authority has an office in Davis County: see the list Source: HUD

Cities

Other cities in Davis County

These cities are also in Davis County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Davis County Housing in Utah
See 2 more cities in Davis County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Fruit Heights, with the typical home value.

Neighboring counties

If Davis County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Fruit Heights.

All guides
A father and mother walk their son by the hand down the sidewalk.

Questions

Housing questions about Fruit Heights

Short answers with the numbers for Fruit Heights and all of Davis County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Fruit Heights?

The typical home value in Fruit Heights is $667,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Davis County it is $505,500.

How much does it cost to rent in Fruit Heights?

Typical rent in Fruit Heights is $1,932 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Davis County is $1,591.

What is the FHA loan limit in Fruit Heights?

Fruit Heights uses the FHA limit for all of Davis County (2026): $744,050 for a one-unit home and $1,430,900 for a four-unit home.

How much property tax do owners pay in Fruit Heights?

The typical homeowner in Fruit Heights pays $3,493 a year, according to the U.S. Census Bureau. That is 0.52% of the home’s value; in Davis County, the rate is 0.53%.

Where can I find free help to buy or rent in Fruit Heights?

We found no HUD-approved counseling agencies with an office in Davis County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).