In Woods Cross, a typical home is worth $497,400 and typical rent is $1,771 a month. Compared with all of Davis County, typical rent is 9% higher and typical household income is 9% higher.
Typical home value from Zillow, September 2021 to September 2026: from $461,318 to $523,348.
Typical rent
$2,080a month
Typical rent from Zillow, March 2026 to September 2026: from $2,097 to $2,080.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Woods Cross 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 Salt Lake City, the typical rent is $1,414: 20% less than in Woods Cross ($1,771).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Woods Cross
What homes there are in Woods Cross, 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
Woods Cross
Davis County
Utah
United States
Kind of home: Woods Cross and its comparisons
Measure
Woods Cross
Davis County
Utah
United States
Detached house
78%
75%
67%
61%
Attached house
6%
6%
8%
6%
Building of 2 to 4
Unreliable estimate
6%
7%
8%
Apartments (5 or more)
Unreliable estimate
11%
16%
19%
Mobile home
Unreliable estimate
3%
3%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Woods Cross, 8 in 10 homes are single-family detached houses; in Davis County, 7.
Year built
Before 19601960–19791980–19992000–20092010 or later
Woods Cross
Davis County
Utah
United States
Year built: Woods Cross and its comparisons
Measure
Woods Cross
Davis County
Utah
United States
Before 1960
5%
10%
15%
26%
1960–1979
20%
22%
20%
24%
1980–1999
21%
29%
26%
25%
2000–2009
31%
20%
18%
14%
2010 or later
23%
19%
21%
11%
Homes in Woods Cross are newer: the typical year built is 2001; in Davis County, 1993.
In Woods Cross, 85% of homes have 3 bedrooms or more, more than in Davis County (80%).
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200KUnreliable
$200K–$300KUnreliable
$300K–$500K44%
$500K–$750K41%
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Woods Cross and its comparisons
Measure
Woods Cross
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
Unreliable estimate
$300K–$500K
44%
$500K–$750K
41%
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,499Unreliable
$1,500–$1,99935%
$2,000–$2,49923%
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Woods Cross and its comparisons
Measure
Woods Cross
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
35%
$2,000–$2,499
23%
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable
With a mortgage
$2,030 a month
Davis County: $2,047 a month
Without a mortgage
$517 a month
Davis County: $574 a month
Owners with a mortgage
81%
Davis County: 71%
In Woods Cross, 81% of owners have a mortgage; their typical cost is $2,030 a month, about the same as in Davis County.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Woods Cross+85%
Davis County+74%
Utah+75%
United States+53%
Typical rent
Woods Cross+43%
Davis County+47%
Utah+44%
United States+33%
Typical household income
Woods Cross+56%
Davis County+33%
Utah+33%
United States+29%
Change since 2015–2019: Woods Cross and its comparisons
Measure
Woods Cross
Davis County
Utah
United States
Typical home value
+85%
+74%
+75%
+53%
Typical rent
+43%
+47%
+44%
+33%
Typical household income
+56%
+33%
+33%
+29%
From 2015–2019 to 2020–2024, the typical home value in Woods Cross rose 85%; in Davis County, it rose 74%.
The typical rent in Woods Cross rose 43% over the same time; in Davis County, it rose 47%.
The typical household income in Woods Cross rose 56% over that time; home values changed +85% and rent +43%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Woods Cross and its comparisons
Measure
Woods Cross
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
Unreliable estimate
2.6%
3.1%
3.4%
People per household
3.32
3.18
2.97
2.53
Drive alone
76%
71%
67%
69%
Carpool
6%
8%
10%
9%
Public transit
Unreliable estimate
1%
2%
3%
Walk or bike
Unreliable estimate
2%
3%
3%
Work from home
13%
18%
18%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
Unreliable estimate
20 to 29 minutes
By size, households in Woods Cross look like those in Davis County: 3.32 people on average.
In Woods Cross, 76% of workers drive alone to work; in Davis County, 71%.
Do the math
What would you pay each month for a home in Woods Cross?
A typical home costs more than the typical income allows
We start with a typical home in Woods Cross, worth $497,400, 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 Woods Cross, which is $120,543 a year. For that payment to be 28% of income, a household would need to earn about $169,342 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 Woods Cross. 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 $17,409 (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
$3,951
at 7.18% · 30 years
Loan amount
$488,391
Total interest
$702,680
Paid off in
November 2056
Includes $8,400 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,813 a month
Tight
$2,813 to $3,616 a month
Hard
more than $3,616 a month
Your payment · 39%
Compared with the typical household income in Woods Cross ($120,543 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$3,309
Property tax
$216
Home insurance
$207
FHA mortgage insurance (MIP)
$220
You need at least $17,409 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 $3,951; principal and interest $3,309.
The city and its county
Woods Cross and Davis County
Woods Cross 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).
Woods Cross
Map of Davis County, Utah, with Woods Cross marked. Around it, the neighboring counties.
Woods Cross
Davis County
Other cities with a page
Woods Cross's own numbers
Typical home value
$497,400
Typical monthly rent
$1,771
Typical yearly household income
$120,543
Households that own their home
81%
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.
A typical home in Woods Cross is worth $497,400: about the same as the county and about the same as Utah. With the typical household income in Woods Cross ($120,543 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.
Woods Cross4.1 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
Woods Cross 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
Woods Cross$497,400
Davis$505,500
Utah$489,400
United States$332,700
Typical monthly rent
Woods Cross$1,771
Davis$1,621
Utah$1,496
United States$1,413
Typical yearly household income
Woods Cross$120,543
Davis$110,884
Utah$95,166
United States$80,734
See the full table
Woods Cross next to Davis County and Utah
Measure
Woods Cross
Davis County
Utah
U.S.
Typical home value
$497,400
$505,500
$489,400
$332,700
Typical monthly rent
$1,771 ▲9% above the county
$1,621
$1,496
$1,413
Typical yearly household income
$120,543 ▲9% above the county
$110,884
$95,166
$80,734
Households that own their home
81% ▲4 points above the county
77%
70%
65%
Typical yearly property tax
$2,608 ▼2% below the county
$2,665
$2,525
$3,119
Effective property tax rate
0.52% ▼0.01 points below the county
0.53%
0.52%
0.94%
Renters with high rent for their income
46% ▼1 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 Woods Cross
For a typical $497,400 home in Woods Cross, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Woods Cross's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$3,951a month
Least cash to close
Down payment
$17,409
Cash to close
$32,331
Rate
7.18%
Mortgage insurance
FHA MIP · $220
Conventional, 5% down$3,860a month
Down payment
$24,870
Cash to close
$39,792
Rate
7.18%
Mortgage insurance
PMI · $236
Conventional, 20% down, no PMI$3,118a month
Down payment
$99,480
Cash to close
$114,402
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$3,578a month
Down payment
$74,610
Cash to close
$89,532
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Woods Cross
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$3,951
$17,409
$488,391
7.18%
FHA MIP · $220
$32,331
580
Conventional, 5% down
$3,860
$24,870
$472,530
7.18%
PMI · $236
$39,792
620*
Conventional, 20% down, no PMI
$3,118
$99,480
$397,920
7.18%
None
$114,402
620*
ITIN, 15% down (example)
$3,578
$74,610
$422,790
8.18%
None
$89,532
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 Woods Cross is $1,771 a month: 9% above the county. In Woods Cross, 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 Woods Cross
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Woods Cross is in ZIP code 84087.
For 2 bedrooms it is $1,920: $329 more than the fair market rent for Davis County ($1,591).
Fair market rent by ZIP code and size in Woods Cross, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
84087
$1,430
$1,510
$1,920
$2,570
$3,080
ZIP code2 bd3 bd
84087 $1,920$2,570
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Woods Cross 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)
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 Woods Cross or Davis County. The ones below are statewide in Utah: they work in Woods Cross 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 Woods Cross 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 Woods Cross 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 Woods Cross?
The typical home value in Woods Cross is $497,400, 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 Woods Cross?
Typical rent in Woods Cross is $1,771 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 Woods Cross?
Woods Cross 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 Woods Cross?
The typical homeowner in Woods Cross pays $2,608 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 Woods Cross?
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.
