Utah · 88th largest metro area

Buying a home in Ogden, Utah

In Ogden, the median value of owner-occupied homes is $355,600, Weber County's effective property tax rate is 0.6%, a purchase mortgage carried a median $8,635 in total loan costs in 2025, and median gross rent is $1,216 a month.

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

Ogden home costs, fact by fact

About Ogden

Ogden, Utah, is a city of 88,656 people in Census estimates. Owners occupy 61.3% of homes.

Reading the Ogden figures

Ogden is the lowest-value city among the six covered in Utah. Owners here estimate $355,600, far under the state figure of $543,400. West Valley City reports $419,100. Provo comes to $467,200, Salt Lake City to $539,500. These are owners' estimates, not recorded sales, so they show perception more than prices paid.

Ownership reaches 61.3% of households, higher than in Salt Lake City, where it is 45.8%, and Provo, where it is 39.4%. West Jordan has 77.2% owners; West Valley City has 72.1%. Rent is $1,216 a month by the census measure, close to Provo's $1,193 and below Salt Lake City's $1,414. West Jordan stands at $1,757. In HUD's tables for the Ogden zone, the smaller bedroom count lists at $1,591 and the larger at $2,132, well above the census figure, so a new lease may cost more than the median implies. These are benchmarks, not market medians.

Weber County sets the tax. Its effective rate is 0.6%, which gives a median bill of $2,557 a year on county homes valued at $426,700. That county value is higher than the city's own, so a typical Ogden house may be taxed on less than the county median suggests.

Lenders in the county recorded 3,095 loans in 2025, and the median loan cost was $8,635. The middle of the field paid between $4,844 and $13,646, a wide spread that rewards comparing offers. The metro area ranks 88th nationally and counts 667,681 people, while the city itself has 88,656.

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 Ogden

How much is property tax in Ogden?

Homeowners in Weber County pay a median $2,557 a year in property tax, 0.6% of the county median home value of $426,700 (Census ACS 2020-2024). Your bill depends on your assessed value and local rates.

What are closing costs on a mortgage in Ogden?

Home-purchase mortgages in Weber County carried median total loan costs of $8,635 in 2025; half of the 3,095 loans fell between $4,844 and $13,646 (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 Ogden?

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 Ogden?

It depends on your mortgage rate, down payment and how long you stay. As a benchmark, the median value of owner-occupied homes in Ogden ($355,600) equals 24.4 years of the median gross rent ($1,216 a month), both from Census ACS 2020-2024.

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

Utah rules that apply in Ogden

Other large cities in Utah

Who licenses each trade in Utah · All covered cities

Sources

Utah · All states · Federal guides