Utah · Ogden, UT metro area

Buying a home in Layton, Utah

In Layton, the median value of owner-occupied homes is $477,700, Davis County's effective property tax rate is 0.53%, a purchase mortgage carried a median $7,864 in total loan costs in 2025, and median gross rent is $1,538 a month.

Data as of : Census ACS 2020-2024, Census Vintage 2024, HMDA 2025, HUD FY 2027. Sources

Layton home costs, fact by fact

About Layton

Layton lies in the Ogden, UT metro area and has 84,348 residents. Owners estimate the median home value at $477,700, which is not a sale price, and 72.5% of homes are owner-occupied. Davis County's effective property tax rate (median tax as a share of home value) is 0.53%, and HUD's two-bedroom Fair Market Rent is $1,591.

Reading the Layton figures

Layton's median value, as owners estimate it, is $477,700, below Utah's median of $543,400. South Jordan reports $650,500, and Sandy and Lehi report $614,100 and $612,100, all well above, while Salt Lake City stands at $539,500. St. George, West Jordan and Orem come in lower than Salt Lake City, with owners reporting between $496,100 and $472,300, and Provo reports $467,200. West Valley City sits much lower at $419,100, and Ogden is reported at $355,600.

Layton is overwhelmingly owner-occupied, with owners in 72.5% of homes, against 45.8% in Salt Lake City and 39.4% in Provo. South Jordan reaches 81.4% and West Jordan 77.2%. Layton rents come to a median of $1,538 monthly, only slightly under HUD's Fair Market Rent of $1,591 for the Ogden area, while Salt Lake City renters report $1,414 and Provo renters $1,193. In Davis County, a county value of $505,500 goes with yearly taxes of $2,665 at the median, an effective rate of 0.53%. Lenders there recorded 3,328 loans in 2025, and their closing charges sat at $7,864 at the midpoint, with most borrowers falling between $4,735 and $13,607. That is a wide spread, so a buyer should ask lenders for an itemized estimate early. Orem owners hold 57.8% of homes and Ogden owners 61.3%, so Layton leads both. Sandy owners and Lehi owners each hold 75.2% of homes.

Calculate for Utah

If you buy

Utah state transfer tax

Utah has no real estate transfer tax. Change the price: the amount is recalculated instantly.

Price$543,400
State transfer tax$0
Share of the price—

Default price: the Utah median value of owner-occupied homes, $543,400 (Census ACS 2025). Rule: No tax is calculated on the price. The recording fee is flat per instrument. Who pays: No transfer tax. The recording fee is owed by whoever submits the document; the state purchase contract does not assign recording fees, so closing instructions and the loan decide. Not included: county and city transfer taxes, recording fees, title insurance and lender charges. Utah transfer tax guide · all 50 states.

If you sell

Capital gain and the federal tax on it

Same federal rule in every state: Section 121 of the Internal Revenue Code excludes up to $250,000 of gain on a main home ($500,000 for a married couple filing jointly).

Capital gain$350,000
Section 121 exclusion$250,000 (limit $250,000)
Taxable gain$100,000
Type of gainLong-term (owned over 1 year), 15% chosen
Federal tax on the gain$15,000

Section 121 excludes $250,000; the rest is taxable.

Gain = sale price minus your adjusted basis (purchase price, buying costs and improvements); selling expenses reduce it (IRS Publication 523). Long-term rates for sales in 2026, by taxable income including the gain (IRS Rev. Proc. 2025-32, section 4.03): 0% up to $49,450 single or $98,900 married filing jointly, 15% up to $545,500 single or $613,700 jointly, 20% above. Not included: Utah state income tax on the gain (not computed), the net investment income tax, depreciation recapture on a rental or home office, and the reduced exclusion for an early sale. Agent commissions are negotiated and never set by law. Capital gains on a home sale.

Questions about buying a home in Layton

How much is property tax in Layton?

Homeowners in Davis County pay a median $2,665 a year in property tax, 0.53% of the county median home value of $505,500 (Census ACS 2020-2024). Your bill depends on your assessed value and local rates.

What are closing costs on a mortgage in Layton?

Home-purchase mortgages in Davis County carried median total loan costs of $7,864 in 2025; half of the 3,328 loans fell between $4,735 and $13,607 (HMDA). Total loan costs are the lender and settlement-service charges of the Closing Disclosure; transfer taxes and prepaid items come on top.

Is there a transfer tax when you buy a home in Layton?

Utah has no state transfer tax in the official sources read. Recording a deed costs a flat $40 per document under Utah Code 17-71-407, and Utah is a non-disclosure state where deeds do not state the sale price.

Is it cheaper to rent or buy in Layton?

It depends on your mortgage rate, down payment and how long you stay. As a benchmark, the median value of owner-occupied homes in Layton ($477,700) equals 25.9 years of the median gross rent ($1,538 a month), both from Census ACS 2020-2024.

Run your own numbers: rent vs buy calculator · closing costs calculator.

Utah rules that apply in Layton

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Sources

Utah · All states · Federal guides