Total monthly cost of ownership
Cost to Own a Home in Ogden, Utah
A $311,000 home here costs
$2,266per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,599. The real number is $668 higher every month — 42% 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.
Ogden against Weber County and Utah
| Measure | Ogden | Weber County |
|---|---|---|
| Median home value | $311,300 | $389,200 |
| Median property tax | $2,130 | $2,415 |
| Effective tax rate | 0.684% | 0.621% |
| Median gross rent | $1,128 | $1,269 |
| Population | 86,973 | 266,183 |
The weather behind that power bill
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 Ogden?
A $311,000 home in Ogden, Utah costs approximately $2,266 per month with 20% down at 6.66%. That is $1,599 principal and interest, $177 property tax, $47 homeowners insurance, $185 utilities and $259 set aside for maintenance.
What is the property tax rate in Ogden?
Ogden has an effective property tax rate of 0.684%, based on a median home value of $311,300 and median real estate taxes of $2,130. That is higher than the Weber County average of 0.621%.
What is the average home price in Ogden?
The median owner-occupied home value in Ogden, Utah is $311,300, against $389,200 across Weber County.
Is it cheaper to rent or buy in Ogden?
Median gross rent in Ogden is $1,128 a month, against $2,266 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 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.