Ogden, UT home values, income, and owner costs

Start with the dated local finding: In Ogden, UT, the 2024 ACS reports a median owner-occupied home value of $355,600, median household income of $72,575, and median selected monthly owner costs of $1,624 for owners with a mortgage. Together, those three reference points may still help a borrower identify which search-price, income, and recurring-cost assumptions need current verification first. They remain separate medians, not the finances of one representative household, and the $1,624 measure combines recurring ownership expenses in place of real estate taxes alone. For borrower planning, a useful affordability review starts with $355,600, $72,575, and $1,624, then replaces them with the borrower's documented income, cash, debts, property taxes, insurance, association charges, loan terms, and intended occupancy.

Ogden, UT's $355,600 median home-value estimate is below the statewide $489,400 estimate, with a reported city-to-state gap of 27.3%. That 27.3% gap is useful for showing that a statewide midpoint may be a poor substitute for a local search range in Ogden, UT. It does not mean every local property is 27.3% away from a comparable property elsewhere in the state, because the medians reflect different housing mixes and geographies. For borrower planning, a borrower can apply $355,600 and $489,400 to decide which assumptions need local replacement first, then compare actual properties and current financing disclosures on the same basis.