In Layton, a typical home is worth $477,700 and typical rent is $1,538 a month. Compared with all of Davis County, typical household income is 8% lower and the typical home value is 5% lower.
Typical home value from Zillow, September 2021 to September 2026: from $455,001 to $521,360.
Typical rent
$1,650a month
▲ 0.5% more than 12 months ago
Typical rent from Zillow, December 2021 to September 2026: from $1,428 to $1,650.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Layton 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
Nearby, in Sunset, the typical home value is $332,500: 30% less than in Layton ($477,700).
2
Nearby, in Sunset, the typical rent is $1,156: 25% less than in Layton ($1,538).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Layton
What homes there are in Layton, 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
Layton
Davis County
Utah
United States
Kind of home: Layton and its comparisons
Measure
Layton
Davis County
Utah
United States
Detached house
69%
75%
67%
61%
Attached house
5%
6%
8%
6%
Building of 2 to 4
4%
6%
7%
8%
Apartments (5 or more)
16%
11%
16%
19%
Mobile home
6%
3%
3%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house is still the most common home in Layton, but it weighs less than in Davis County: 69% against 75%.
Year built
Before 19601960–19791980–19992000–20092010 or later
Layton
Davis County
Utah
United States
Year built: Layton and its comparisons
Measure
Layton
Davis County
Utah
United States
Before 1960
5%
10%
15%
26%
1960–1979
21%
22%
20%
24%
1980–1999
38%
29%
26%
25%
2000–2009
15%
20%
18%
14%
2010 or later
21%
19%
21%
11%
By age, homes in Layton look like those in Davis County: the typical year built is 1993.
In Layton, 8% of homes have 1 bedroom or none (studios); 77% have 3 bedrooms or more, against 80% in Davis County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K6%
$100K–$200KUnreliable
$200K–$300K6%
$300K–$500K41%
$500K–$750K33%
$750K–$1M11%
$1M or more2%
Value of owner-occupied homes: Layton and its comparisons
Measure
Layton
Under $100K
6%
$100K–$200K
Unreliable estimate
$200K–$300K
6%
$300K–$500K
41%
$500K–$750K
33%
$750K–$1M
11%
$1M or more
2%
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99910%
$1,000–$1,49934%
$1,500–$1,99927%
$2,000–$2,49917%
$2,500–$2,9996%
$3,000 or moreUnreliable
Monthly rent with utilities: Layton and its comparisons
Measure
Layton
Under $500
Unreliable estimate
$500–$999
10%
$1,000–$1,499
34%
$1,500–$1,999
27%
$2,000–$2,499
17%
$2,500–$2,999
6%
$3,000 or more
Unreliable estimate
With a mortgage
$1,999 a month
Davis County: $2,047 a month
Without a mortgage
$558 a month
Davis County: $574 a month
Owners with a mortgage
69%
Davis County: 71%
Owning costs about the same in Layton as in Davis County: with a mortgage, $1,999 a month; without one, $558.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Layton+83%
Davis County+74%
Utah+75%
United States+53%
Typical rent
Layton+51%
Davis County+47%
Utah+44%
United States+33%
Typical household income
Layton+32%
Davis County+33%
Utah+33%
United States+29%
Change since 2015–2019: Layton and its comparisons
Measure
Layton
Davis County
Utah
United States
Typical home value
+83%
+74%
+75%
+53%
Typical rent
+51%
+47%
+44%
+33%
Typical household income
+32%
+33%
+33%
+29%
The typical home value in Layton rose 83% since 2015–2019, more than in Davis County (74%).
Since 2015–2019, the typical rent in Layton rose 51%, more than in Davis County (47%).
Housing prices ran ahead of income in Layton: typical income rose 32%, against +83% for home values and +51% for rent.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Layton and its comparisons
Measure
Layton
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
3.3%
2.6%
3.1%
3.4%
People per household
2.98
3.18
2.97
2.53
Drive alone
72%
71%
67%
69%
Carpool
9%
8%
10%
9%
Public transit
1%
1%
2%
3%
Walk or bike
1%
2%
3%
3%
Work from home
16%
18%
18%
15%
Other means
1%
1%
1%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
Unreliable estimate
20 to 29 minutes
Much as in Davis County, 3.3% of households in Layton have more than one person per room.
Fewer people live in each home here: 2.98 on average, against 3.18 in Davis County.
To get to work, 72% of workers in Layton drive alone; in Davis County, 71%.
Do the math
What would you pay each month for a home in Layton?
A typical home costs more than the typical income allows
We start with a typical home in Layton, worth $477,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 44% of the typical household income in Layton, which is $102,480 a year. For that payment to be 28% of income, a household would need to earn about $162,806 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 Layton. 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 $16,720 (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
$3,799
at 7.18% · 30 years
Loan amount
$469,047
Total interest
$674,849
Paid off in
November 2056
Includes $8,067 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,391 a month
Tight
$2,391 to $3,074 a month
Hard
more than $3,074 a month
Your payment · 44%
Compared with the typical household income in Layton ($102,480 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$3,177
Property tax
$211
Home insurance
$199
FHA mortgage insurance (MIP)
$211
You need at least $16,720 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 $3,799; principal and interest $3,177.
The city and its county
Layton and Davis County
Layton 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).
Layton
Map of Davis County, Utah, with Layton marked. Around it, the neighboring counties.
Layton
Davis County
Other cities with a page
Layton's own numbers
Typical home value
$477,700
Typical monthly rent
$1,538
Typical yearly household income
$102,480
Households that own their home
73%
Effective property tax rate
0.53%
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 Layton is worth $477,700: 5% below the county and 2% below Utah. With the typical household income in Layton ($102,480 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.
Layton4.7 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
Layton 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
Layton$477,700
Davis$505,500
Utah$489,400
United States$332,700
Typical monthly rent
Layton$1,538
Davis$1,621
Utah$1,496
United States$1,413
Typical yearly household income
Layton$102,480
Davis$110,884
Utah$95,166
United States$80,734
See the full table
Layton next to Davis County and Utah
Measure
Layton
Davis County
Utah
U.S.
Typical home value
$477,700 ▼5% below 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
$102,480 ▼8% below the county
$110,884
$95,166
$80,734
Households that own their home
73% ▼5 points below the county
77%
70%
65%
Typical yearly property tax
$2,519 ▼5% below the county
$2,665
$2,525
$3,119
Effective property tax rate
0.53%
0.53%
0.52%
0.94%
Renters with high rent for their income
46% ▼2 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 Layton
For a typical $477,700 home in Layton, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Layton's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$3,799a month
Least cash to close
Down payment
$16,720
Cash to close
$31,051
Rate
7.18%
Mortgage insurance
FHA MIP · $211
Conventional, 5% down$3,711a month
Down payment
$23,885
Cash to close
$38,216
Rate
7.18%
Mortgage insurance
PMI · $227
Conventional, 20% down, no PMI$2,999a month
Down payment
$95,540
Cash to close
$109,871
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$3,441a month
Down payment
$71,655
Cash to close
$85,986
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Layton
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$3,799
$16,720
$469,048
7.18%
FHA MIP · $211
$31,051
580
Conventional, 5% down
$3,711
$23,885
$453,815
7.18%
PMI · $227
$38,216
620*
Conventional, 20% down, no PMI
$2,999
$95,540
$382,160
7.18%
None
$109,871
620*
ITIN, 15% down (example)
$3,441
$71,655
$406,045
8.18%
None
$85,986
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 Layton is $1,538 a month: 5% below the county. In Layton, 46% 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 Layton
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Layton has 2 ZIP codes with their own.
For 2 bedrooms it runs from $1,560 in 84041 to $2,000 in 84040.
1 of the 2 is above the fair market rent for Davis County ($1,591).
Fair market rent by ZIP code and size in Layton, fiscal year 2027.
84040
$1,490
$1,570
$2,000
$2,680
$3,210
84041
$1,160
$1,230
$1,560
$2,090
$2,500
ZIP code2 bd3 bd
84040 $2,000$2,680
84041 $1,560$2,090
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Layton 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 11 buildings with rents for lower incomes in Layton. These are the largest.
Stonehedge III Apts.225 N Fairfield Rd, Layton 84041106 low-income homes · 2 bd: 48 · 3 bd: 12 · In service since 2010 · For families(443) 863-5271, ext. 61539
Fort Lane Senior Apts.300 N Fort Ln, Layton 84041100 low-income homes · 1 bd: 37 · 2 bd: 63 · In service since 1993 · For older adults
Layton Pointe Apts.355 E Knowlton St, Layton 8404196 low-income homes · 1 bd: 1 · 2 bd: 94 · 3 bd: 1 · In service since 2004
Roselane Apts.105 S Fairfield Rd, Layton 8404164 low-income homes · 1 bd: 20 · 2 bd: 44 · In service since 1994 · For older adults
Stonehedge I215 N Fairfield Rd, Layton 8404148 low-income homes · For families(801) 621-3390
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 Layton or Davis County. The ones below are statewide in Utah: they work in Layton 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 Layton 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 Layton 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 Layton?
The typical home value in Layton is $477,700, 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 Layton?
Typical rent in Layton 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 Layton?
Layton 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 Layton?
The typical homeowner in Layton pays $2,519 a year, according to the U.S. Census Bureau. That is 0.53% of the home’s value; in Davis County, the rate is 0.53%.
Where can I find free help to buy or rent in Layton?
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.
