ZIP Code 84401 — Ogden, UT Home Prices (2026)
The typical home in ZIP 84401 (Ogden, Utah) is worth about $440,000 at roughly $226 per square foot — about the same as the Ogden median and 50% more expensive than the typical U.S. home.
How 84401 compares
ZIP 84401 is a mid-priced ZIP code for Ogden: its typical home value of $440,000 ranks #2 of the 3 Ogden ZIP codes we track (the citywide range runs from $434,000 in 84404 to $445,000 in 84403). Per square foot it costs about $226, against $226 for Ogden as a whole, $236 for Utah, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 84401 | $440,000 | $226 |
| Ogden, UT | $440,000 | $226 |
| Utah | $477,000 | $236 |
| United States | $294,000 | $195 |
Home value by size in 84401
Using this ZIP’s rate of about $226 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.
| Home size | Estimated value |
|---|---|
| 1,000 sq ft | $226,000 |
| 1,500 sq ft | $339,000 |
| 2,000 sq ft | $452,000 |
| 2,500 sq ft | $565,000 |
| 3,000 sq ft | $678,000 |
Salary needed to buy a home in ZIP 84401
To buy the typical $440,000 home in ZIP 84401 with 20% down, you need a household income of roughly $120,000 a year (about $2,790 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $142,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $22,000 | $3,470/mo | $149,000/yr |
| 10% (+PMI) | $44,000 | $3,320/mo | $142,000/yr |
| 20% | $88,000 | $2,790/mo | $120,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in ZIP 84401
At about $226 per square foot, here is roughly how much home different budgets get you in ZIP 84401:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $200k | 880 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1110 sq ft | below the local median — condos, smaller or older homes |
| $300k | 1330 sq ft | below the local median — condos, smaller or older homes |
| $400k | 1770 sq ft | around the typical home here |
| $500k | 2210 sq ft | around the typical home here |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens pre-filled with a typical 84401 home.
Estimate a specific home in 84401
The estimator below is pre-set to ZIP 84401 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Ogden ZIP codes by home value
Where 84401 sits among Ogden’s 3 ZIP codes:
ZIP 84401 home prices: frequently asked
What is the average home price in ZIP code 84401? +
What is the price per square foot in 84401? +
What salary do you need to buy a house in ZIP 84401? +
Is 84401 an expensive ZIP code? +
See the full Ogden home values page, all Utah cities, or price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.