In Ogden, a typical home is worth $355,600 and typical rent is $1,216 a month. Compared with all of Weber County, typical household income is 19% lower, the typical home value is 17% lower, and the share of households that own their home is 13 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $342,620 to $390,773.
Typical rent
$1,316a month
▲ 2.2% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $1,073 to $1,316.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Ogden is in Weber 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 Weber County. See the county
What this place has that others do not, from public data, most unusual first.
1
61% of households in Ogden own their home, against 74% in Weber County.
2
The typical household income in Ogden is $72,575,19% less than in Weber County as a whole ($90,005).
3
Ogden has the 7th lowest typical home value of the 97 cities in Utah with more than 5,000 people ($355,600).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Ogden
What homes there are in Ogden, 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
Ogden
Weber County
Utah
United States
Kind of home: Ogden and its comparisons
Measure
Ogden
Weber County
Utah
United States
Detached house
61%
70%
67%
61%
Attached house
5%
6%
8%
6%
Building of 2 to 4
12%
8%
7%
8%
Apartments (5 or more)
20%
13%
16%
19%
Mobile home
3%
3%
3%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house is still the most common home in Ogden, but it weighs less than in Weber County: 61% against 70%.
Year built
Before 19601960–19791980–19992000–20092010 or later
Ogden
Weber County
Utah
United States
Year built: Ogden and its comparisons
Measure
Ogden
Weber County
Utah
United States
Before 1960
44%
24%
15%
26%
1960–1979
22%
21%
20%
24%
1980–1999
19%
24%
26%
25%
2000–2009
9%
16%
18%
14%
2010 or later
7%
14%
21%
11%
Homes in Ogden are older: the typical year built is 1966; in Weber County, 1984.
In Ogden, 16% of homes have 1 bedroom or none (studios); 61% have 3 bedrooms or more, against 73% in Weber County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limit
Under $100K6%
$100K–$200K5%
$200K–$300K22%
$300K–$500K53%
$500K–$750K11%
FHA limit: $744,050
$750K–$1M3%
$1M or more2%
Value of owner-occupied homes: Ogden and its comparisons
Measure
Ogden
Under $100K
6%
$100K–$200K
5%
$200K–$300K
22%
$300K–$500K
53%
$500K–$750K
11%
$750K–$1M
3%
$1M or more
2%
About 95% of owner-occupied homes in Ogden are worth less than the FHA loan limit for Weber County ($744,050).
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $50012%
$500–$99923%
$1,000–$1,49932%
$1,500–$1,99920%
HUD fair market rent, 2 bedrooms: $1,591
$2,000–$2,4999%
$2,500–$2,9992%
$3,000 or moreUnreliable
Monthly rent with utilities: Ogden and its comparisons
Measure
Ogden
Under $500
12%
$500–$999
23%
$1,000–$1,499
32%
$1,500–$1,999
20%
$2,000–$2,499
9%
$2,500–$2,999
2%
$3,000 or more
Unreliable estimate
By rent, most homes in Ogden cost less than HUD's 2-bedroom fair market rent ($1,591): about 71%.
With a mortgage
$1,624 a month
Weber County: $1,848 a month
Without a mortgage
$539 a month
Weber County: $561 a month
Owners with a mortgage
71%
Weber County: 71%
The typical cost for an owner with a mortgage in Ogden is $1,624 a month, less than in Weber County ($1,848); without one, $539.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Ogden+109%
Weber County+93%
Utah+75%
United States+53%
Typical rent
Ogden+49%
Weber County+55%
Utah+44%
United States+33%
Typical household income
Ogden+45%
Weber County+34%
Utah+33%
United States+29%
Change since 2015–2019: Ogden and its comparisons
Measure
Ogden
Weber County
Utah
United States
Typical home value
+109%
+93%
+75%
+53%
Typical rent
+49%
+55%
+44%
+33%
Typical household income
+45%
+34%
+33%
+29%
The typical home value in Ogden rose 109% since 2015–2019, more than in Weber County (93%).
The typical rent in Ogden rose 49% over the same time; in Weber County, it rose 55%.
The typical household income in Ogden rose 45%: less than home values (+109%) and rent (+49%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Ogden and its comparisons
Measure
Ogden
Weber County
Utah
United States
Rental vacancy
5.0%
4.9%
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
2.53
2.83
2.97
2.53
Drive alone
73%
72%
67%
69%
Carpool
10%
9%
10%
9%
Public transit
2%
1%
2%
3%
Walk or bike
2%
1%
3%
3%
Work from home
12%
15%
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 Weber County, the rental vacancy rate in Ogden is 5.0%.
In Ogden, 3.3% of households live with more than one person per room, about the same as in Weber County.
Households in Ogden are smaller: 2.53 people on average; in Weber County, 2.83.
In Ogden, 73% of workers drive alone to work; in Weber County, 72%.
Do the math
What would you pay each month for a home in Ogden?
A typical home costs more than the typical income allows
We start with a typical home in Ogden, worth $355,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 47% of the typical household income in Ogden, which is $72,575 a year. For that payment to be 28% of income, a household would need to earn about $122,717 a year.
The calculator's FHA and conventional loan limits are those of all of Weber 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 Ogden. 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 $12,446 (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
$2,863
at 7.18% · 30 years
Loan amount
$349,159
Total interest
$502,358
Paid off in
November 2056
Includes $6,005 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,693 a month
Tight
$1,693 to $2,177 a month
Hard
more than $2,177 a month
Your payment · 47%
Compared with the typical household income in Ogden ($72,575 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,365
Property tax
$193
Home insurance
$148
FHA mortgage insurance (MIP)
$157
You need at least $12,446 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 $2,863; principal and interest $2,365.
The city and its county
Ogden and Weber County
Ogden is in Weber 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).
Ogden
Map of Weber County, Utah, with Ogden marked. Around it, the neighboring counties.
Ogden
Weber County
Other cities with a page
Ogden's own numbers
Typical home value
$355,600
Typical monthly rent
$1,216
Typical yearly household income
$72,575
Households that own their home
61%
Effective property tax rate
0.65%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Weber 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)
+55%
Homes in a high flood-risk zone
1.2%
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 Weber County.
A typical home in Ogden is worth $355,600: 17% below the county and 27% below Utah. With the typical household income in Ogden ($72,575 a year), a typical home costs 4.9 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.
Ogden4.9 years
Weber4.7 years
Utah5.1 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Weber County
According to FHFA’s house price index, home prices in Weber County rose 139% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Weber County.
Yearly change in FHFA’s price index in Weber County, 2016 to 2025
2016: +8.9% +8.9% 2016
2017: +10.1% +10.1% 2017
2018: +10.6% +10.6% 2018
2019: +9.1% +9.1% 2019
2020: +6.6% +6.6% 2020
2021: +21.5% +21.5% 2021
2022: +20.1% +20.1% 2022
2023: −0.1% −0.1% 2023
2024: +3.1% +3.1% 2024
2025: +3.1% +3.1% 2025
Change in FHFA’s price index in Weber County, Utah and the United States
Period
County
Utah
U.S.
Last year (2025)
+3.1%
+2.4%
+2.9%
5 years (2020–2025)
+55%
+53%
+47%
10 years (2015–2025)
+139%
+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
Ogden next to Weber 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
Ogden$355,600
Weber$426,700
Utah$489,400
United States$332,700
Typical monthly rent
Ogden$1,216
Weber$1,379
Utah$1,496
United States$1,413
Typical yearly household income
Ogden$72,575
Weber$90,005
Utah$95,166
United States$80,734
See the full table
Ogden next to Weber County and Utah
Measure
Ogden
Weber County
Utah
U.S.
Typical home value
$355,600 ▼17% below the county
$426,700
$489,400
$332,700
Typical monthly rent
$1,216 ▼12% below the county
$1,379
$1,496
$1,413
Typical yearly household income
$72,575 ▼19% below the county
$90,005
$95,166
$80,734
Households that own their home
61% ▼13 points below the county
74%
70%
65%
Typical yearly property tax
$2,326 ▼9% below the county
$2,557
$2,525
$3,119
Effective property tax rate
0.65% ▲0.05 points above the county
0.6%
0.52%
0.94%
Renters with high rent for their income
46% ▲1 points above the county
46%
47%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Weber 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 Ogden
For a typical $355,600 home in Ogden, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Ogden's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,863a month
Least cash to close
Down payment
$12,446
Cash to close
$23,114
Rate
7.18%
Mortgage insurance
FHA MIP · $157
Conventional, 5% down$2,798a month
Down payment
$17,780
Cash to close
$28,448
Rate
7.18%
Mortgage insurance
PMI · $169
Conventional, 20% down, no PMI$2,268a month
Down payment
$71,120
Cash to close
$81,788
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,597a month
Down payment
$53,340
Cash to close
$64,008
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Ogden
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,863
$12,446
$349,159
7.18%
FHA MIP · $157
$23,114
580
Conventional, 5% down
$2,798
$17,780
$337,820
7.18%
PMI · $169
$28,448
620*
Conventional, 20% down, no PMI
$2,268
$71,120
$284,480
7.18%
None
$81,788
620*
ITIN, 15% down (example)
$2,597
$53,340
$302,260
8.18%
None
$64,008
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 Ogden is $1,216 a month: 12% below the county. In Ogden, 46% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Weber 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 Weber 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 Ogden
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Ogden has 4 ZIP codes with their own.
For 2 bedrooms it runs from $1,460 in 84403 to $1,600 in 84401.
1 of the 4 is above the fair market rent for Weber County ($1,591).
2-bedroom fair market rent in each of the 4 ZIP codes of Ogden, beside the one for Weber County. For 2 bedrooms it runs from $1,460 in 84403 to $1,600 in 84401. 1 of the 4 is above the fair market rent for Weber County ($1,591).
2-bedroom fair market rent in each ZIP code
Each line is one ZIP code: in color, those above the county's fair market rent; in gray, the rest.
County: $1,591
Lowest: $1,460 (84403)Highest: $1,600 (84401)
Fair market rent by ZIP code and size in Ogden, fiscal year 2027.
84401
$1,190
$1,260
$1,600
$2,140
$2,560
84403
$1,090
$1,160
$1,460
$1,950
$2,360
84404
$1,090
$1,160
$1,460
$1,950
$2,360
84408
$1,090
$1,160
$1,460
$1,950
$2,360
ZIP code2 bd3 bd
84401 $1,600$2,140
84403 $1,460$1,950
84404 $1,460$1,950
84408 $1,460$1,950
3 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Ogden 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 46 buildings with rents for lower incomes in Ogden. These are the largest.
Ogden610 Lincoln Ave, Ogden 84404200 low-income homes · Run by Housing Authority of the City of Ogden · Average payment: $394 a month · Average wait: 25 months · Homes at several sites(801) 627-5851
Country Woods Apts.525 Park Blvd, Ogden 84401168 homes, 167 low-income · 1 bd: 84 · 2 bd: 84 · In service since 2000
Valencia461 27th St, Ogden 84401122 low-income homes · Studio: 2 · 1 bd: 118 · 2 bd: 2 · In service since 2004
Three Link Towers2427 Jefferson Ave, Ogden 84401122 homes, 121 low-income · For older adults(801) 399-4841
ST. Benedict's Manor I3000 Polk Ave, Ogden 84403100 low-income homes · Studio: 2 · 1 bd: 94 · 2 bd: 4 · In service since 2006 · For older adults(801) 393-6767
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.
There is 1 HUD-approved agency with an office in Weber County; none says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Ogden or Weber County. The ones below are statewide in Utah: they work in Ogden 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 Ogden or Weber 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 Ogden and all of Weber 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 Ogden?
The typical home value in Ogden is $355,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Weber County it is $426,700.
How much does it cost to rent in Ogden?
Typical rent in Ogden is $1,216 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Weber County is $1,591.
What is the FHA loan limit in Ogden?
Ogden uses the FHA limit for all of Weber 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 Ogden?
The typical homeowner in Ogden pays $2,326 a year, according to the U.S. Census Bureau. That is 0.65% of the home’s value; in Weber County, the rate is 0.6%.
Where can I find free help to buy or rent in Ogden?
There is 1 HUD-approved counseling agency with an office in Weber County. They can help you get ready to buy, with your credit, or with rent.
