Total monthly cost of ownership
Cost to Own a Home in Kaysville, Utah
A $584,000 home here costs
$4,001per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $3,002. The real number is $999 higher every month — 33% more than the payment most buyers budget for.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Kaysville against Davis County and Utah
| Measure | Kaysville | Davis County |
|---|---|---|
| Median home value | $583,700 | $470,500 |
| Median property tax | $2,878 | $2,546 |
| Effective tax rate | 0.493% | 0.541% |
| Median gross rent | $1,423 | $1,516 |
| Population | 32,861 | 366,742 |
The weather behind that power bill
Kaysville sits in Davis County, which averages a high of 91.3°F in its hottest month and a low of 21.2°F in its coldest, with 16.36" of precipitation a year and 36% of it in a single three-month stretch. That climate drives 1,052 cooling and 5,850 heating degree days, which is what sets the $117 electricity line above.
See the full climate breakdown for Davis County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Davis County
Common questions
How much does it cost to own a home in Kaysville?
A $584,000 home in Kaysville, Utah costs approximately $4,001 per month with 20% down at 6.66%. That is $3,002 principal and interest, $240 property tax, $88 homeowners insurance, $185 utilities and $487 set aside for maintenance.
What is the property tax rate in Kaysville?
Kaysville has an effective property tax rate of 0.493%, based on a median home value of $583,700 and median real estate taxes of $2,878. That is lower than the Davis County average of 0.541%.
What is the average home price in Kaysville?
The median owner-occupied home value in Kaysville, Utah is $583,700, against $470,500 across Davis County.
Is it cheaper to rent or buy in Kaysville?
Median gross rent in Kaysville is $1,423 a month, against $4,001 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Kaysville — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for Utah.
- Electricity price — EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate — Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.