Looking for the national Mortgage Affordability? Mortgage Affordability Calculator.
Mortgage Affordability Calculator for Ogden, UT
Local data pre-filled
In Ogden, the median household income is $98,361 per year, while the median home costs $515,981. The price-to-income ratio is 5.2x — a stretch in this competitive market. Use this calculator to determine what you can comfortably afford based on your income.
✓ Calculator below is pre-filled with Ogden local data
Data as of · Sources: Zillow, Census ACS, Tax Foundation, Freddie Mac
Utah Financial Snapshot (2026) — Mortgage Affordability Calculator
Home value, monthly carrying cost, property tax, and insurance are the four levers for the mortgage affordability calculator in Utah.
How the Mortgage Affordability Calculator Math Works Under Utah Law
Every real-estate number on this page runs through the same core identity: the monthly principal-and-interest payment on a fully amortizing fixed-rate loan is M = P · r / (1 − (1+r)^(−n)), where P is the loan principal, r is the monthly rate (annual rate / 12), and n is the term in months. For a typical Utah buyer in 2026, P starts from an $505,000 median home value (Zillow ZHVI)[1], minus a standard 20% down payment.
On top of P&I the calculator adds the two Utah-specific carrying costs: property tax at the state effective rate of 0.58%[2] and homeowners insurance at roughly $780/year (NAIC state average)[3]. The Freddie Mac PMMS national average 30-year fixed rate (6.30% (Freddie Mac PMMS · week of ))[4] drives the payment curve — Utah rate quotes can move a few basis points around that number depending on lender, loan size, and credit band.
Calc-specific note: Lenders cap front-end DTI near 28% and back-end near 43%; plug Utah's PITI into those ratios to find your gross-income floor.
Worked example — Utah
For a Utah buyer aiming at the $505,000 median, a 28% front-end DTI means gross monthly income of at least $3,535 (≈$42,420/year). Subtract 4.5% state tax to get take-home.
Local context: Ogden, UT
Housing economics in Ogden, UT. The median home value runs 44.1% above the U.S. baseline for Ogden, UT is $515,981 per Zillow's home-value index. Median rent runs $1,641 a month per Zillow ZORI, cheaper than the national $1,850 baseline. Effective property tax sits at 0.70% of assessed value, below the 0.99% national average tracked by the Tax Foundation.
Income and tax climate. Utah's top marginal state income tax bracket lands at 4.95% — compared to the volume-weighted national average around 4-5%. BEA's Regional Price Parity scores Ogden, UT at 98.0 (national = 100), meaning a dollar in Ogden, UT buys 102¢ — more goods and services than the same dollar nationally.
Local context as of 2026-04-19.
Ogden versus the U.S. baseline
| Metric | Ogden, UT | U.S. baseline | Difference |
|---|---|---|---|
| Median home value[zillow] | $515,981 | $358,000 | 44.1% |
| Median monthly rent[zillow] | $1,641 | $1,850 | -11.3% |
| Property tax (effective)[tax-foundation] | 0.70% | 0.99% | -29.3% |
| State top marginal income tax[tax-foundation] | 4.95% | ~4.08% (volume-weighted) | 0.9 pp |
| State cost-of-living index[bea-rpp] | 98.0 | 100.0 | -2.0 pts |
How to use the Mortgage Affordability Calculator
Walk through using the Mortgage Affordability Calculator with Ogden, UT-specific defaults pre-loaded from primary sources.
- Enter your Ogden numbersFill in the mortgage affordability inputs. Defaults reflect Ogden, UT 2026: median home $515,981, median rent $1,641/mo, 0.70% effective property tax.
- Apply the local 2026 inputsThe median home value in Ogden is $515,981 (Zillow ZHVI), with median monthly rent running $1,641/mo.
- Compare against Ogden contextMonthly PITI on the $515,981 median home in Ogden is ~$3,177/mo — vs a $1,641/mo median rent.
How Utah Compares to Neighboring States
| State | Median home | Top inc tax | Prop tax rate | RPP (US=100) |
|---|---|---|---|---|
| Utah (this page) | $505,000 | 4.55% | 0.58% | 95.7 |
| compare to Arizona | $430,000 | 2.50% | 0.66% | 100.7 |
| Colorado side-by-side | $560,000 | 4.40% | 0.51% | 101.9 |
| Idaho | $465,000 | 5.70% | 0.69% | 92.2 |
| Nevada | $430,000 | None | 0.56% | 97.9 |
Sources: Zillow ZHVI[1], state Departments of Revenue / Tax Foundation[2], Tax Foundation property taxes[3], BEA Regional Price Parities[4].
What Changes Your Result in Utah
- Down payment size:Utah's typical down payment is 12.0%according to NAR survey data. Every 5% shift changes the monthly P&I by roughly 5–6% of the headline payment.
- First-time buyer programs:Utah runs state-level first-time buyer programs (DPA, MCC) that can cut effective down payment costs by $5,000–$15,000 for qualifying buyers. See programs block below.
- County-level property tax variance:The state effective rate shown in the snapshot is a statewide weighted average. Within Utah, county rates can swing ±30% around the median, especially in border counties with differing school-district mill levies.
Related Calculations for Utah
- Utah's mortgage payment rules — affordability is the flip side of monthly payment.
- Utah's down payment savings rules — size of the down payment caps the affordable price.
- rent vs buy by Utah — affordability feeds the buy side of the decision.
How Ogden Compares to the National Average
Understanding how Ogden stacks up helps you calibrate your financial planning.
| Metric | Ogden, UT | US Average | Difference |
|---|---|---|---|
| Median Home Price | $515,981 | $420,800 | +22.6% |
| Median Monthly Rent | $1,641 | $1,713 | -4.2% |
| Median Household Income | $98,361 | $74,580 | +31.9% |
| Property Tax Rate | 0.70% | 1.10% | -36.4% |
| Cost of Living Index | 98 | 100 | -2.0% |
Sources: U.S. Census Bureau, BLS, Zillow, NAR (2024–2025). Green = favorable for residents; red = less favorable.
Ogden Financial Snapshot
- Population (Metro)
- 680,000
- Unemployment
- 3.2%
- Avg Commute
- 24 min
- Median Age
- 31.5
- Price-to-Rent Ratio
- 26.2x
- Annual Property Tax
- $3,612
More Financial Calculators for Ogden, UT
Mortgage Affordability Calculator in Other Utah Cities
Frequently Asked Questions — Ogden
- Can median-income households afford the median home in Ogden?
- With a ~$3,177 monthly PITI and $98,361 median income, housing would consume ~38.8% of gross annual income. Qualifying under the 28% DTI rule requires ~$136,157 in annual income. Educational reference only.
- Is it better to rent or buy in Ogden?
- Ogden's price-to-rent ratio (26.2x) tilts toward renting — above 20x, buying is generally expensive relative to renting.
- What is the annual property tax bill on the median home in Ogden?
- Approximately $3,612/yr at the 0.70% effective rate on the $515,981 median home. The national average effective rate is 1.07%.
- What share of median income goes to rent in Ogden?
- The $1,641/mo median rent represents 20.0% of the $98,361 median household income. The recommended housing cost threshold is 30%; Ogden falls within that guideline. Educational reference only.
- How much does commuting cost in Ogden?
- Average commute time in Ogden is 24 minutes per ACS. Estimated annual commute cost runs about $4,181. Educational reference only.
- How does the cost of living in Ogden compare to the national average?
- Ogden's BEA RPP index is 98, 2% below the national baseline of 100. For a household earning the national median income of $77,540, this translates to ~$1,551/yr in purchasing power difference. Educational reference only.
- What is the median home price in Ogden, UT?
- The median home price in Ogden is $515,981 as of 2025–2026.
- What is the average rent in Ogden?
- The median monthly rent in Ogden, UT is $1,641.
- Does the mortgage affordability replace professional advice?
- No. This calculator gives educational estimates using public Ogden data and standard formulas. It is not personalized tax, legal, or investment advice. Consult a licensed professional for decisions with material consequences.
How we compute this — methodology
The Ogden page uses local median home price ($515,981), median rent ($1,641/mo), and property tax rate (0.70%) alongside the calculator's client-side formula. Calculations run in your browser — no inputs are sent to a server.
Known limits: ZIP-level variance within Ogden can be substantial — the figures shown are city-wide medians. For a precise property tax quote, consult your county assessor.
Sources
- Zillow Research — ZHVI (Zillow Home Value Index) + ZORI (Zillow Observed Rent Index), city-level. zillow.com/research/data. Retrieved 2026-04-19.
- U.S. Census Bureau — American Community Survey (ACS) 5-year estimates for median household income and population. census.gov/programs-surveys/acs.
- CalcFi state financial context — tips + first-time homebuyer programs compiled from each state's Housing Finance Authority (HFA) public pages. See
src/data/state-financial-context.ts. - Tax Foundation — state property tax effective rates and state/local sales tax rates. taxfoundation.org.
- Freddie Mac Primary Mortgage Market Survey (PMMS) — weekly national mortgage rate averages used by mortgage-related calculators. freddiemac.com/pmms.
- Freddie Mac Primary Mortgage Market Survey (PMMS) — weekly national mortgage rates — www.freddiemac.com/pmms. Retrieved 2026-04-19.
- NAIC Dwelling Fire, Homeowners Owners, and Homeowners Tenants Insurance Report — content.naic.org/article/homeowners-insurance-report. Retrieved 2026-04-19.
- State Departments of Revenue — official bracket + deduction publications (one primary URL per state; linked in the brackets table below) — taxfoundation.org/data/all/state/state-income-tax-rates. Retrieved 2026-04-19.
- Bureau of Economic Analysis — Regional Price Parities by State — www.bea.gov/data/prices-inflation/regional-price-parities-state-and-metro-area. Retrieved 2026-04-19.
- U.S. Department of Labor — State Minimum Wage Laws — www.dol.gov/agencies/whd/minimum-wage/state. Retrieved 2026-04-19.
- FRED (Federal Reserve Economic Data) — real median household income, unemployment, HPI, LFPR per state — fred.stlouisfed.org. Retrieved 2026-04-19.
- BLS Occupational Employment and Wage Statistics (OEWS) — state-level occupational wages — www.bls.gov/oes. Retrieved 2026-04-19.
Spot an error? Email [email protected] with the URL and the correct figure.
Related Calculators & Locations
Same Calculator, Other States
Related Calculators for Ogden
National reference: Mortgage Affordability Calculator