Total monthly cost of ownership
Cost to Own a Home in North Ogden, Utah
A $443,000 home here costs
$3,117per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $2,277. The real number is $839 higher every month — 37% 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.
North Ogden against Weber County and Utah
| Measure | North Ogden | Weber County |
|---|---|---|
| Median home value | $443,100 | $389,200 |
| Median property tax | $2,632 | $2,415 |
| Effective tax rate | 0.594% | 0.621% |
| Median gross rent | $1,405 | $1,269 |
| Population | 21,473 | 266,183 |
The weather behind that power bill
North Ogden sits in Weber County, which averages a high of 86.8°F in its hottest month and a low of 9.5°F in its coldest, with 30.64" of precipitation a year and 35% of it in a single three-month stretch. That climate drives 267 cooling and 7,788 heating degree days, which is what sets the $117 electricity line above.
See the full climate breakdown for Weber County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Weber County
Common questions
How much does it cost to own a home in North Ogden?
A $443,000 home in North Ogden, Utah costs approximately $3,117 per month with 20% down at 6.66%. That is $2,277 principal and interest, $219 property tax, $66 homeowners insurance, $185 utilities and $369 set aside for maintenance.
What is the property tax rate in North Ogden?
North Ogden has an effective property tax rate of 0.594%, based on a median home value of $443,100 and median real estate taxes of $2,632. That is lower than the Weber County average of 0.621%.
What is the average home price in North Ogden?
The median owner-occupied home value in North Ogden, Utah is $443,100, against $389,200 across Weber County.
Is it cheaper to rent or buy in North Ogden?
Median gross rent in North Ogden is $1,405 a month, against $3,117 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 North Ogden — 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.