In Kaysville, a typical home is worth $623,700 and typical rent is $1,538 a month. Compared with all of Davis County, the typical home value is 23% higher, typical household income is 20% higher, and the share of households that own their home is 11 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $581,686 to $683,389.
Typical rent
$1,959a month
Typical rent from Zillow, March 2026 to September 2026: from $1,784 to $1,959.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Kaysville 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
What this place has that others do not, from public data, most unusual first.
1
Kaysville has the 2nd smallest share of rent-burdened renters of the 75 cities in Utah with more than 5,000 people (22%).
2
Nearby, in Clearfield, the typical home value is $373,900: 40% less than in Kaysville ($623,700).
3
The typical home in Kaysville is worth $623,700,23% more than in Davis County as a whole ($505,500).
4
The typical household income in Kaysville is $133,026,20% more than in Davis County as a whole ($110,884).
5
89% of households in Kaysville own their home, against 77% in Davis County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Kaysville
What homes there are in Kaysville, 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
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Kaysville
Davis County
Utah
United States
Kind of home: Kaysville and its comparisons
Measure
Kaysville
Davis County
Utah
United States
Detached house
89%
75%
67%
61%
Attached house
5%
6%
8%
6%
Building of 2 to 4
Unreliable estimate
6%
7%
8%
Apartments (5 or more)
Unreliable estimate
11%
16%
19%
Mobile home
Unreliable estimate
3%
3%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house rules in Kaysville: 89% of homes, more than in Davis County (75%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Kaysville
Davis County
Utah
United States
Year built: Kaysville and its comparisons
Measure
Kaysville
Davis County
Utah
United States
Before 1960
9%
10%
15%
26%
1960–1979
22%
22%
20%
24%
1980–1999
32%
29%
26%
25%
2000–2009
21%
20%
18%
14%
2010 or later
17%
19%
21%
11%
The typical year built in Kaysville is 1994, about the same as in Davis County (1993).
Homes in Kaysville are bigger: 90% have 3 bedrooms or more; in Davis County, 80%.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200KUnreliable
$200K–$300K3%
$300K–$500K24%
$500K–$750K32%
$750K–$1M22%
$1M or more12%
Value of owner-occupied homes: Kaysville and its comparisons
Measure
Kaysville
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
3%
$300K–$500K
24%
$500K–$750K
32%
$750K–$1M
22%
$1M or more
12%
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49925%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Kaysville and its comparisons
Measure
Kaysville
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
25%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable
With a mortgage
$2,320 a month
Davis County: $2,047 a month
Without a mortgage
$594 a month
Davis County: $574 a month
Owners with a mortgage
72%
Davis County: 71%
In Kaysville, 72% of owners have a mortgage, and their typical cost is $2,320 a month, against $2,047 in Davis County. Without one it drops to $594.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Kaysville+84%
Davis County+74%
Utah+75%
United States+53%
Typical rent
Kaysville+62%
Davis County+47%
Utah+44%
United States+33%
Typical household income
Kaysville+34%
Davis County+33%
Utah+33%
United States+29%
Change since 2015–2019: Kaysville and its comparisons
Measure
Kaysville
Davis County
Utah
United States
Typical home value
+84%
+74%
+75%
+53%
Typical rent
+62%
+47%
+44%
+33%
Typical household income
+34%
+33%
+33%
+29%
Since 2015–2019, homes in Kaysville gained value faster than in Davis County: 84% against 74%.
Since 2015–2019, the typical rent in Kaysville rose 62%, more than in Davis County (47%).
Here income did not keep up with housing: it rose 34%, while home values changed +84% and rent +62%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Kaysville and its comparisons
Measure
Kaysville
Davis County
Utah
United States
Rental vacancy
Unreliable estimate
5.3%
5.5%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.6%
0.9%
More than one person per room
Unreliable estimate
2.6%
3.1%
3.4%
People per household
3.62
3.18
2.97
2.53
Drive alone
67%
71%
67%
69%
Carpool
4%
8%
10%
9%
Public transit
Unreliable estimate
1%
2%
3%
Walk or bike
Unreliable estimate
2%
3%
3%
Work from home
26%
18%
18%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
Unreliable estimate
20 to 29 minutes
More people live in each home here: 3.62 on average, against 3.18 in Davis County.
Many people here do not commute at all: 26% work from home; in Davis County, 18%.
Do the math
What would you pay each month for a home in Kaysville?
A typical home costs more than the typical income allows
We start with a typical home in Kaysville, worth $623,700, 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 Kaysville, which is $133,026 a year. For that payment to be 28% of income, a household would need to earn about $211,673 a year.
The calculator's FHA and conventional loan limits are those of all of Davis County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Kaysville. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $21,830 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$4,939
at 7.18% · 30 years
Loan amount
$612,403
Total interest
$881,104
Paid off in
November 2056
Includes $10,533 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $3,104 a month
Tight
$3,104 to $3,991 a month
Hard
more than $3,991 a month
Your payment · 45%
Compared with the typical household income in Kaysville ($133,026 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$4,149
Property tax
$255
Home insurance
$260
FHA mortgage insurance (MIP)
$276
You need at least $21,830 for the down payment, plus closing costs.
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.
Total monthly payment $4,939; principal and interest $4,149.
The city and its county
Kaysville and Davis County
Kaysville 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).
Kaysville
Map of Davis County, Utah, with Kaysville marked. Around it, the neighboring counties.
Kaysville
Davis County
Other cities with a page
Kaysville's own numbers
Typical home value
$623,700
Typical monthly rent
$1,538
Typical yearly household income
$133,026
Households that own their home
89%
Effective property tax rate
0.49%
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.
A typical home in Kaysville is worth $623,700: 23% above the county and 27% above Utah. With the typical household income in Kaysville ($133,026 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.
Kaysville4.7 years
Davis4.6 years
Utah5.1 years
United States4.1 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.
Yearly change in FHFA’s price index in Davis County, 2016 to 2025
2016: +7.7% +7.7% 2016
2017: +9.0% +9.0% 2017
2018: +8.8% +8.8% 2018
2019: +7.7% +7.7% 2019
2020: +5.8% +5.8% 2020
2021: +19.3% +19.3% 2021
2022: +19.8% +19.8% 2022
2023: −0.3% −0.3% 2023
2024: +3.5% +3.5% 2024
2025: +2.0% +2.0% 2025
Change in FHFA’s price index in Davis County, Utah and the United States
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
Kaysville 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
Kaysville$623,700
Davis$505,500
Utah$489,400
United States$332,700
Typical monthly rent
Kaysville$1,538
Davis$1,621
Utah$1,496
United States$1,413
Typical yearly household income
Kaysville$133,026
Davis$110,884
Utah$95,166
United States$80,734
See the full table
Kaysville next to Davis County and Utah
Measure
Kaysville
Davis County
Utah
U.S.
Typical home value
$623,700 ▲23% above the county
$505,500
$489,400
$332,700
Typical monthly rent
$1,538 ▼5% below the county
$1,621
$1,496
$1,413
Typical yearly household income
$133,026 ▲20% above the county
$110,884
$95,166
$80,734
Households that own their home
89% ▲11 points above the county
77%
70%
65%
Typical yearly property tax
$3,065 ▲15% above the county
$2,665
$2,525
$3,119
Effective property tax rate
0.49% ▼0.04 points below the county
0.53%
0.52%
0.94%
Renters with high rent for their income
22% ▼25 points below the county
47%
47%
51%
“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 Kaysville
For a typical $623,700 home in Kaysville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Kaysville's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$4,939a month
Least cash to close
Down payment
$21,830
Cash to close
$40,541
Rate
7.18%
Mortgage insurance
FHA MIP · $276
Conventional, 5% down$4,825a month
Down payment
$31,185
Cash to close
$49,896
Rate
7.18%
Mortgage insurance
PMI · $296
Conventional, 20% down, no PMI$3,895a month
Down payment
$124,740
Cash to close
$143,451
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$4,471a month
Down payment
$93,555
Cash to close
$112,266
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Kaysville
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$4,939
$21,830
$612,403
7.18%
FHA MIP · $276
$40,541
580
Conventional, 5% down
$4,825
$31,185
$592,515
7.18%
PMI · $296
$49,896
620*
Conventional, 20% down, no PMI
$3,895
$124,740
$498,960
7.18%
None
$143,451
620*
ITIN, 15% down (example)
$4,471
$93,555
$530,145
8.18%
None
$112,266
Set by the lender
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.
Typical rent in Kaysville is $1,538 a month: 5% below the county. In Kaysville, 22% of renter households pay 30% or more of their income in rent.
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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Davis County (Fiscal year 2027)
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 Kaysville
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Kaysville is in ZIP code 84037.
For 2 bedrooms it is $1,730: $139 more than the fair market rent for Davis County ($1,591).
Fair market rent by ZIP code and size in Kaysville, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
84037
$1,290
$1,360
$1,730
$2,320
$2,770
ZIP code2 bd3 bd
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 Kaysville 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
HUD lists 3 buildings with rents for lower incomes in Kaysville. These are the largest.
Francis Peak View600 W Mutton Hollow Rd, Kaysville 84037119 low-income homes · 1 bd: 40 · 2 bd: 69 · 3 bd: 10 · In service since 2004
ST Marks Gardens514 N 300 W, Kaysville 8403772 low-income homes · For older adults(801) 544-4231
Jerry Burnett Apartments270 N 300 W, Kaysville 8403725 low-income homes · 1 bd: 4 · 2 bd: 18 · 3 bd: 3 · In service since 2016 · For families, people experiencing homelessness(801) 547-0455
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.
No down payment, repair or rent-help program on our list is for Kaysville or Davis County. The ones below are statewide in Utah: they work in Kaysville the same as in the rest of the state.
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).
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).
No legal help resource on our list is for Kaysville or Davis County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Kaysville 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 Kaysville?
The typical home value in Kaysville is $623,700, 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 Kaysville?
Typical rent in Kaysville is $1,538 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 Kaysville?
Kaysville 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 Kaysville?
The typical homeowner in Kaysville pays $3,065 a year, according to the U.S. Census Bureau. That is 0.49% of the home’s value; in Davis County, the rate is 0.53%.
Where can I find free help to buy or rent in Kaysville?
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.
