The typical owner-occupied home in Ogden is worth about $355,600, 27% below the Utah median of $489,400 and 7% above the national median of $332,700. Owners pay a median $2,326 a year in property taxes, about 0.65% of their home's value, higher than the Utah rate of 0.52%. The median household earns $72,575 a year, so the median home costs 4.9 times the median income (5.1 times for Utah). 61% of occupied homes here are lived in by their owners, and 71% of those owners still have a mortgage.
Ogden at a glance
| Ogden | Utah | U.S. | |
|---|---|---|---|
| Median home value | $355,600 | $489,400 | $332,700 |
| Median property tax paid per year | $2,326 | $2,525 | $3,119 |
| Property tax as a share of value | 0.65% | 0.52% | 0.94% |
| Median household income | $72,575 | $95,166 | $80,734 |
| Homes lived in by their owners | 61% | 70% | 65% |
| Owner homes with a mortgage | 71% | 69% | 61% |
| Median monthly costs, owners with a mortgage | $1,624 | $2,009 | $1,963 |
| Those costs as a share of the owners' income | 22.6% | 20.5% | 21.0% |
| Median rent | $1,216 | $1,496 | $1,413 |
| Rent as a share of renters' income | 28.5% | 28.9% | 30.6% |
| Median year homes were built | 1966 | 1992 | 1980 |
| Vacant homes | 7.1% | 8.1% | 10.1% |
| Population | 87,413 | 3,392,331 | 334,922,499 |
What a typical home costs per month in Ogden
At this week's average 30-year rate of 7.11%, buying the median Ogden home of $355,600 with 20% down costs about $2,254 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $2,847, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $96,621 for the 20%-down payment. That payment is 37% of the median Ogden household income of $72,575; at that income and 20% down, the 28% guideline points to a home of about $267,000.
The median rent here is $1,216 a month, so owning the median home costs about $1,038 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $71,120 |
|---|---|
| Loan amount | $284,480 |
| Principal and interest | $1,914 |
| Property taxes (0.65% a year) | $193 |
| Homeowners insurance (our estimate, 0.5% a year) | $148 |
| PMI | $0 |
| Total per month | $2,254 |
Change the numbers in the calculator
| Down payment | $12,446 |
|---|---|
| Loan amount | $349,159 |
| Principal and interest | $2,349 |
| Property taxes (0.65% a year) | $193 |
| Homeowners insurance (our estimate, 0.5% a year) | $148 |
| FHA mortgage insurance | $157 |
| Total per month | $2,847 |
Change the numbers in the calculator
Questions about home buying in Ogden
What is the median home value in Ogden?
About $355,600 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Ogden?
Homeowners pay a median $2,326 a year, which is about 0.65% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Ogden?
For the median home with 20% down at 7.11%, the payment is about $2,254 a month. Keeping that under 28% of gross income takes about $96,621 a year.
More about Ogden
- Mortgage Refinance in Ogden
- Debt Relief in Ogden
- Home Equity Loans in Ogden
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data