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City · 9,182 residents · Weber County, Utah

Washington Terrace , Utah

In Washington Terrace, a typical home is worth $353,900 and typical rent is $1,293 a month. Compared with all of Weber County, the typical home value is 17% lower and typical household income is 11% lower.

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  • Typical home value

    $353,900

    17% below the county

    28% below Utah

    • Washington Terrace
    • Weber
    • Utah

  • Typical rent

    $1,293a month

    6% below the county

    14% below Utah

    • Washington Terrace
    • Weber
    • Utah

  • Typical household income

    $80,119a year

    11% below the county

    16% below Utah

    • Washington Terrace
    • Weber
    • Utah

  • Households that own their home

    69%

    5 points below the county

    1 points below Utah

    • Washington Terrace
    • Weber
    • Utah

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

Market now, with Zillow data

Zillow data
Typical home value
$387,276
1% less than 12 months ago
Typical rent
$1,497 a month

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

Washington Terrace 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

Data updated: October 1, 2026 11 official sources

Only here

What sets Washington Terrace apart

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

  1. Washington Terrace has the 6th lowest typical home value of the 97 cities in Utah with more than 5,000 people ($353,900).

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

The homes here

Housing in Washington Terrace

What homes there are in Washington Terrace, 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

The detached house is still the most common home in Washington Terrace, but it weighs less than in Weber County: 66% against 70%.

Year built

In Washington Terrace, half of the homes were built before 1970; in Weber County, before 1984.

There are fewer big homes in Washington Terrace than in Weber County: 63% have 3 bedrooms or more, against 73%.

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

$1,526 a month

Weber County: $1,848 a month

Without a mortgage

$562 a month

Weber County: $561 a month

Owners with a mortgage

66%

Weber County: 71%

In Washington Terrace, 66% of owners have a mortgage, and their typical cost is $1,526 a month, against $1,848 in Weber County. Without one it drops to $562.

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

From 2015–2019 to 2020–2024, the typical home value in Washington Terrace rose 105%; in Weber County, it rose 93%.

Rents in Washington Terrace rose at about the same pace as in Weber County: 58% since 2015–2019, against 55%.

The typical household income in Washington Terrace rose 26%: less than home values (+105%) and rent (+58%).

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

MeasureWashington TerraceWeber CountyUtahUnited States
Rental vacancy Unreliable estimate4.9%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 2.662.832.972.53
Drive alone 77%72%67%69%
Carpool 8%9%10%9%
Public transit Unreliable estimate1%2%3%
Walk or bike Unreliable estimate1%3%3%
Work from home 12%15%18%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate20 to 29 minutesUnreliable estimate20 to 29 minutes

Households in Washington Terrace are smaller: 2.66 people on average; in Weber County, 2.83.

To get to work, 77% of workers in Washington Terrace drive alone; in Weber County, 72%.

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 Washington Terrace?

A typical home costs more than the typical income allows

We start with a typical home in Washington Terrace, worth $353,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 43% of the typical household income in Washington Terrace, which is $80,119 a year. For that payment to be 28% of income, a household would need to earn about $121,624 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Washington Terrace. 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 $12,387 (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

$2,838

at 7.18% · 30 years

Loan amount
$347,489
Total interest
$499,956
Paid off in
November 2056

Includes $5,976 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,869 a month

  • Tight

    $1,869 to $2,404 a month

  • Hard

    more than $2,404 a month

    Your payment · 43%

Compared with the typical household income in Washington Terrace ($80,119 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,838
Principal & interest$2,354
Property tax$180
Home insurance$148
FHA mortgage insurance (MIP)$157

You need at least $12,387 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

Washington Terrace and Weber County

Washington Terrace 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).

Washington Terrace's own numbers

Typical home value
$353,900
Typical monthly rent
$1,293
Typical yearly household income
$80,119
Households that own their home
69%
Effective property tax rate
0.61%

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.

Everything about Weber County

Buying

Buying a home in Washington Terrace

A typical home in Washington Terrace is worth $353,900: 17% below the county and 28% below Utah. With the typical household income in Washington Terrace ($80,119 a year), a typical home costs 4.4 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.

  • Washington Terrace 4.4 years
  • Weber 4.7 years
  • Utah 5.1 years
  • United States 4.1 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.

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

Washington Terrace 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
  • Washington Terrace $353,900
  • Weber $426,700
  • Utah $489,400
  • United States $332,700
Typical monthly rent
  • Washington Terrace $1,293
  • Weber $1,379
  • Utah $1,496
  • United States $1,413
Typical yearly household income
  • Washington Terrace $80,119
  • Weber $90,005
  • Utah $95,166
  • United States $80,734
See the full table
Washington Terrace next to Weber County and Utah
Measure Washington Terrace Weber County Utah U.S.
Typical home value $353,900 $426,700 $489,400 $332,700
Typical monthly rent $1,293 $1,379 $1,496 $1,413
Typical yearly household income $80,119 $90,005 $95,166 $80,734
Households that own their home 69% 74% 70% 65%
Typical yearly property tax $2,167 $2,557 $2,525 $3,119
Effective property tax rate 0.61% 0.6% 0.52% 0.94%
Renters with high rent for their income 40% 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 Washington Terrace

For a typical $353,900 home in Washington Terrace, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Washington Terrace's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,838a month

    Least cash to close
    Down payment
    $12,387
    Cash to close
    $23,004
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $157

  • Conventional, 5% down $2,773a month

    Down payment
    $17,695
    Cash to close
    $28,312
    Rate
    7.18%
    Mortgage insurance
    PMI · $168

  • Conventional, 20% down, no PMI $2,245a month

    Down payment
    $70,780
    Cash to close
    $81,397
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,572a month

    Down payment
    $53,085
    Cash to close
    $63,702
    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 Washington Terrace and for Weber County.

Property tax

Effective rate in Washington Terrace

0.61%of the home’s value each year

$2,167 a year for the typical owner in Washington Terrace.

  • Washington Terrace 0.61%
  • Weber 0.6%
  • 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 Weber County

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

Homes in the high-risk zone
1.2%
1,041
Of those, with NFIP insurance
8.4%
County Utah U.S.
Homes in the high-risk zone 1.2% 0.8% 3.5%
Of those, with NFIP insurance 8.4% 16% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Washington Terrace

Typical rent in Washington Terrace is $1,293 a month: 6% below the county. In Washington Terrace, 40% 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.

HUD fair market rent for all of Weber 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 Washington Terrace

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Washington Terrace is in ZIP code 84405.

For 2 bedrooms it is $1,480: $111 less than the fair market rent for Weber County ($1,591).

  • 84405 $1,480$1,980

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Washington Terrace 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?

Low-income apartments

Low-income apartments in Washington Terrace

HUD lists 3 buildings with rents for lower incomes in Washington Terrace. These are the largest.

  • Kara Manor Apts. 4940 S 425 W, Washington Terrace 84405 44 homes, 43 low-income · 1 bd: 24 · 2 bd: 20 · In service since 2008
  • Heritage House 300 E 5000 S, Washington Terrace 84405 34 low-income homes · For older adults (801) 866-1419
  • Heritage House Apts. 277 E 5000 S, Washington Terrace 84405 34 low-income homes · 1 bd: 34 · In service since 2010 · For older adults

See all 57 buildings in Weber County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Washington Terrace

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.

Two women and a girl laugh together at the bus stop.

HUD counseling is free or low-cost

Assistance programs in Washington Terrace

No down payment, repair or rent-help program on our list is for Washington Terrace or Weber County. The ones below are statewide in Utah: they work in Washington Terrace 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 Washington Terrace

The HUD-approved agencies closest to the center of Washington Terrace, 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 · 8 miles away

    • Homebuyer education workshops
    801-399-8200-8013

  • Community Development Corporation of Utah

    501 E 1700 S, Salt Lake City · 30 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 · 31 miles away

    • Homebuyer education workshops
    (385) 468-4830

Every agency in Weber County All counseling agencies in Utah

Help in Spanish near Washington Terrace

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 Washington Terrace

In HUD’s record, no housing authority with an office in Weber County is named for Washington Terrace or Weber County.

2 other authorities have an office in Weber County: see the list Source: HUD

Cities

Other cities in Weber County

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

Everything about Weber County Housing in Utah

Nearby cities

The cities closest to Washington Terrace, with the typical home value.

Neighboring counties

If Weber 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 Washington Terrace.

All guides
A father, a mother and their daughter smile among the avocado trees by their home in Somis, California.

Questions

Housing questions about Washington Terrace

Short answers with the numbers for Washington Terrace 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 Washington Terrace?

The typical home value in Washington Terrace is $353,900, 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 Washington Terrace?

Typical rent in Washington Terrace is $1,293 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 Washington Terrace?

Washington Terrace 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 Washington Terrace?

The typical homeowner in Washington Terrace pays $2,167 a year, according to the U.S. Census Bureau. That is 0.61% of the home’s value; in Weber County, the rate is 0.6%.

Where can I find free help to buy or rent in Washington Terrace?

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.

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).