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City · 11,929 residents · Davis County, Utah

West Point , Utah

In West Point, a typical home is worth $491,100 and typical rent is $1,783 a month. Compared with all of Davis County, typical rent is 10% higher, typical household income is 9% higher, and the share of households that own their home is 11 points higher.

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  • Typical home value

    $491,100

    3% below the county

    About the same as Utah

    • West Point
    • Davis
    • Utah

  • Typical rent

    $1,783a month

    10% above the county

    19% above Utah

    • West Point
    • Davis
    • Utah

  • Typical household income

    $120,687a year

    9% above the county

    27% above Utah

    • West Point
    • Davis
    • Utah

  • Households that own their home

    88%

    11 points above the county

    18 points above Utah

    • West Point
    • Davis
    • Utah

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

Market now, with Zillow data

Zillow data
Typical home value
$552,089
3.2% more than 12 months ago
Typical rent
$1,918 a month

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

West Point 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

Data updated: October 1, 2026 11 official sources

Only here

What sets West Point apart

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

  1. Nearby, in Sunset, the typical rent is $1,156: 35% less than in West Point ($1,783).

  2. Nearby, in Sunset, the typical home value is $332,500: 32% less than in West Point ($491,100).

  3. 88% of households in West Point own their home, against 77% in Davis County.

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

The homes here

Housing in West Point

What homes there are in West Point, 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

In West Point, 9 in 10 homes are single-family detached houses; in Davis County, 7.

Year built

Homes in West Point are newer: the typical year built is 2001; in Davis County, 1993.

There is more room for a big family here: 92% of homes have 3 bedrooms or more, against 80% in Davis County.

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

$1,995 a month

Davis County: $2,047 a month

Without a mortgage

$554 a month

Davis County: $574 a month

Owners with a mortgage

78%

Davis County: 71%

In West Point, 78% of owners have a mortgage; their typical cost is $1,995 a month, about the same as in Davis County.

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 West Point rose 93%; in Davis County, it rose 74%.

The typical rent in West Point stayed about the same over that time: the difference is within the Census margin of error.

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

MeasureWest PointDavis CountyUtahUnited States
Rental vacancy Unreliable estimate5.3%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 3.313.182.972.53
Drive alone 78%71%67%69%
Carpool 10%8%10%9%
Public transit Unreliable estimate1%2%3%
Walk or bike Unreliable estimate2%3%3%
Work from home 11%18%18%15%
Other means Unreliable estimate1%1%2%
Typical commute 20 to 29 minutes20 to 29 minutesUnreliable estimate20 to 29 minutes

A household in West Point has 3.31 people on average, about the same as in Davis County (3.18).

In West Point, 78% of workers drive alone to work; in Davis County, 71%.

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 West Point?

A typical home costs more than the typical income allows

We start with a typical home in West Point, worth $491,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 39% of the typical household income in West Point, which is $120,687 a year. For that payment to be 28% of income, a household would need to earn about $167,197 a year.

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

Your numbers

Local data
$

Starts at the typical home value in West Point. 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 $17,189 (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

$3,901

at 7.18% · 30 years

Loan amount
$482,204
Total interest
$693,779
Paid off in
November 2056

Includes $8,293 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,816 a month

  • Tight

    $2,816 to $3,621 a month

  • Hard

    more than $3,621 a month

    Your payment · 39%

Compared with the typical household income in West Point ($120,687 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,901
Principal & interest$3,267
Property tax$213
Home insurance$205
FHA mortgage insurance (MIP)$217

You need at least $17,189 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

West Point and Davis County

West Point 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).

West Point's own numbers

Typical home value
$491,100
Typical monthly rent
$1,783
Typical yearly household income
$120,687
Households that own their home
88%
Effective property tax rate
0.52%

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.

Everything about Davis County

Buying

Buying a home in West Point

A typical home in West Point is worth $491,100: 3% below the county and about the same as Utah. With the typical household income in West Point ($120,687 a year), a typical home costs 4.1 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.

  • West Point 4.1 years
  • Davis 4.6 years
  • Utah 5.1 years
  • United States 4.1 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.

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

West Point 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
  • West Point $491,100
  • Davis $505,500
  • Utah $489,400
  • United States $332,700
Typical monthly rent
  • West Point $1,783
  • Davis $1,621
  • Utah $1,496
  • United States $1,413
Typical yearly household income
  • West Point $120,687
  • Davis $110,884
  • Utah $95,166
  • United States $80,734
See the full table
West Point next to Davis County and Utah
Measure West Point Davis County Utah U.S.
Typical home value $491,100 $505,500 $489,400 $332,700
Typical monthly rent $1,783 $1,621 $1,496 $1,413
Typical yearly household income $120,687 $110,884 $95,166 $80,734
Households that own their home 88% 77% 70% 65%
Typical yearly property tax $2,569 $2,665 $2,525 $3,119
Effective property tax rate 0.52% 0.53% 0.52% 0.94%

“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 West Point

For a typical $491,100 home in West Point, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, West Point's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,901a month

    Least cash to close
    Down payment
    $17,189
    Cash to close
    $31,922
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $217

  • Conventional, 5% down $3,811a month

    Down payment
    $24,555
    Cash to close
    $39,288
    Rate
    7.18%
    Mortgage insurance
    PMI · $233

  • Conventional, 20% down, no PMI $3,079a month

    Down payment
    $98,220
    Cash to close
    $112,953
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,533a month

    Down payment
    $73,665
    Cash to close
    $88,398
    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 West Point and for Davis County.

Property tax

Effective rate in West Point

0.52%of the home’s value each year

$2,569 a year for the typical owner in West Point.

  • West Point 0.52%
  • Davis 0.53%
  • 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 Davis County

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

Homes in the high-risk zone
0.4%
405
Of those, with NFIP insurance
11%
County Utah U.S.
Homes in the high-risk zone 0.4% 0.8% 3.5%
Of those, with NFIP insurance 11% 16% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in West Point

Typical rent in West Point is $1,783 a month: 10% above the county.

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.

HUD fair market rent for all of Davis 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 West Point

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). West Point is in ZIP code 84015.

For 2 bedrooms it is $1,630: $39 more than the fair market rent for Davis County ($1,591).

  • 84015 $1,630$2,180

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

Free help

Help to buy or rent in West Point

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.

A young man and a young woman look something up together on a laptop.

HUD counseling is free or low-cost

Assistance programs in West Point

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

The HUD-approved agencies closest to the center of West Point, 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 · 12 miles away

    • Homebuyer education workshops
    801-399-8200-8013

  • Community Development Corporation of Utah

    501 E 1700 S, Salt Lake City · 29 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 · 29 miles away

    • Homebuyer education workshops
    (385) 468-4830

All counseling agencies in Utah

Help in Spanish near West Point

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 West Point

In HUD’s record, no housing authority with an office in Davis County is named for West Point or Davis County.

One other authority has an office in Davis County: see the list Source: HUD

Cities

Other cities in Davis County

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

Everything about Davis County Housing in Utah
See 2 more cities in Davis County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to West Point, with the typical home value.

Neighboring counties

If Davis 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 West Point.

All guides
A mother smiles as she carries her young daughter on her shoulders (black and white).

Questions

Housing questions about West Point

Short answers with the numbers for West Point 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 West Point?

The typical home value in West Point is $491,100, 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 West Point?

Typical rent in West Point is $1,783 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 West Point?

West Point 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 West Point?

The typical homeowner in West Point pays $2,569 a year, according to the U.S. Census Bureau. That is 0.52% of the home’s value; in Davis County, the rate is 0.53%.

Where can I find free help to buy or rent in West Point?

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.

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).