In Roy, a typical home is worth $383,000 and typical rent is $1,624 a month. Compared with all of Weber County, typical rent is 18% higher, the typical home value is 10% lower, and the share of households that own their home is 10 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $375,226 to $429,150.
Typical rent
$1,677a month
▼ 1.5% less than 12 months ago
Typical rent from Zillow, March 2023 to September 2026: from $1,558 to $1,677.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Roy 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
Nearby, in Sunset, the typical rent is $1,156: 29% less than in Roy ($1,624).
2
The typical rent in Roy is $1,624 a month, 18% more than in Weber County as a whole ($1,379).
3
84% of households in Roy own their home, against 74% in Weber County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Roy
What homes there are in Roy, 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
Roy
Weber County
Utah
United States
Kind of home: Roy and its comparisons
Measure
Roy
Weber County
Utah
United States
Detached house
79%
70%
67%
61%
Attached house
3%
6%
8%
6%
Building of 2 to 4
5%
8%
7%
8%
Apartments (5 or more)
8%
13%
16%
19%
Mobile home
5%
3%
3%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Roy, 8 in 10 homes are single-family detached houses; in Weber County, 7.
Year built
Before 19601960–19791980–19992000–20092010 or later
Roy
Weber County
Utah
United States
Year built: Roy and its comparisons
Measure
Roy
Weber County
Utah
United States
Before 1960
16%
24%
15%
26%
1960–1979
26%
21%
20%
24%
1980–1999
36%
24%
26%
25%
2000–2009
15%
16%
18%
14%
2010 or later
7%
14%
21%
11%
By age, homes in Roy look like those in Weber County: the typical year built is 1986.
In Roy, 86% of homes have 3 bedrooms or more, more than in Weber County (73%).
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–$300K14%
$300K–$500K66%
$500K–$750K11%
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Roy and its comparisons
Measure
Roy
Under $100K
6%
$100K–$200K
Unreliable estimate
$200K–$300K
14%
$300K–$500K
66%
$500K–$750K
11%
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49931%
$1,500–$1,99927%
$2,000–$2,49923%
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Roy and its comparisons
Measure
Roy
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
31%
$1,500–$1,999
27%
$2,000–$2,499
23%
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$1,728 a month
Weber County: $1,848 a month
Without a mortgage
$496 a month
Weber County: $561 a month
Owners with a mortgage
74%
Weber County: 71%
In Roy, 74% of owners have a mortgage, and their typical cost is $1,728 a month, against $1,848 in Weber County. Without one it drops to $496.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Roy+100%
Weber County+93%
Utah+75%
United States+53%
Typical rent
Roy+53%
Weber County+55%
Utah+44%
United States+33%
Typical household income
Roy+30%
Weber County+34%
Utah+33%
United States+29%
Change since 2015–2019: Roy and its comparisons
Measure
Roy
Weber County
Utah
United States
Typical home value
+100%
+93%
+75%
+53%
Typical rent
+53%
+55%
+44%
+33%
Typical household income
+30%
+34%
+33%
+29%
Since 2015–2019, homes in Roy gained value faster than in Weber County: 100% against 93%.
Much as in Weber County, the typical rent in Roy rose 53% since 2015–2019.
Here income did not keep up with housing: it rose 30%, while home values changed +100% and rent +53%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Roy and its comparisons
Measure
Roy
Weber County
Utah
United States
Rental vacancy
Unreliable estimate
4.9%
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
2.97
2.83
2.97
2.53
Drive alone
69%
72%
67%
69%
Carpool
11%
9%
10%
9%
Public transit
Unreliable estimate
1%
2%
3%
Walk or bike
Unreliable estimate
1%
3%
3%
Work from home
16%
15%
18%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
Unreliable estimate
20 to 29 minutes
Much as in Weber County, a household in Roy has 2.97 people on average.
The car rules in Roy: 69% of workers drive to work alone, and the typical trip takes 20 to 29 minutes.
Do the math
What would you pay each month for a home in Roy?
A typical home costs more than the typical income allows
We start with a typical home in Roy, worth $383,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 40% of the typical household income in Roy, which is $91,282 a year. For that payment to be 28% of income, a household would need to earn about $131,488 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 Roy. 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 $13,405 (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
$3,068
at 7.18% · 30 years
Loan amount
$376,063
Total interest
$541,066
Paid off in
November 2056
Includes $6,468 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,130 a month
Tight
$2,130 to $2,738 a month
Hard
more than $2,738 a month
Your payment · 40%
Compared with the typical household income in Roy ($91,282 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,548
Property tax
$192
Home insurance
$160
FHA mortgage insurance (MIP)
$169
You need at least $13,405 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 $3,068; principal and interest $2,548.
The city and its county
Roy and Weber County
Roy 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).
Roy
Map of Weber County, Utah, with Roy marked. Around it, the neighboring counties.
Roy
Weber County
Other cities with a page
Roy's own numbers
Typical home value
$383,000
Typical monthly rent
$1,624
Typical yearly household income
$91,282
Households that own their home
84%
Effective property tax rate
0.6%
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 Roy is worth $383,000: 10% below the county and 22% below Utah. With the typical household income in Roy ($91,282 a year), a typical home costs 4.2 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.
Roy4.2 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
Roy 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
Roy$383,000
Weber$426,700
Utah$489,400
United States$332,700
Typical monthly rent
Roy$1,624
Weber$1,379
Utah$1,496
United States$1,413
Typical yearly household income
Roy$91,282
Weber$90,005
Utah$95,166
United States$80,734
See the full table
Roy next to Weber County and Utah
Measure
Roy
Weber County
Utah
U.S.
Typical home value
$383,000 ▼10% below the county
$426,700
$489,400
$332,700
Typical monthly rent
$1,624 ▲18% above the county
$1,379
$1,496
$1,413
Typical yearly household income
$91,282
$90,005
$95,166
$80,734
Households that own their home
84% ▲10 points above the county
74%
70%
65%
Typical yearly property tax
$2,291 ▼10% below the county
$2,557
$2,525
$3,119
Effective property tax rate
0.6%
0.6%
0.52%
0.94%
Renters with high rent for their income
48% ▲3 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 Roy
For a typical $383,000 home in Roy, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Roy's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$3,068a month
Least cash to close
Down payment
$13,405
Cash to close
$24,895
Rate
7.18%
Mortgage insurance
FHA MIP · $169
Conventional, 5% down$2,998a month
Down payment
$19,150
Cash to close
$30,640
Rate
7.18%
Mortgage insurance
PMI · $182
Conventional, 20% down, no PMI$2,427a month
Down payment
$76,600
Cash to close
$88,090
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,781a month
Down payment
$57,450
Cash to close
$68,940
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Roy
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$3,068
$13,405
$376,063
7.18%
FHA MIP · $169
$24,895
580
Conventional, 5% down
$2,998
$19,150
$363,850
7.18%
PMI · $182
$30,640
620*
Conventional, 20% down, no PMI
$2,427
$76,600
$306,400
7.18%
None
$88,090
620*
ITIN, 15% down (example)
$2,781
$57,450
$325,550
8.18%
None
$68,940
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 Roy is $1,624 a month: 18% above the county. In Roy, 48% 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.
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 Roy or Weber County. The ones below are statewide in Utah: they work in Roy 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 Roy 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 Roy 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 Roy?
The typical home value in Roy is $383,000, 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 Roy?
Typical rent in Roy is $1,624 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 Roy?
Roy 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 Roy?
The typical homeowner in Roy pays $2,291 a year, according to the U.S. Census Bureau. That is 0.6% of the home’s value; in Weber County, the rate is 0.6%.
Where can I find free help to buy or rent in Roy?
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.
