Current Mortgage Rates in Ogden, Utah

Compare mortgage rates and fees for leading lenders in Ogden, UT. Review free, personalized mortgage rates based on your specifc loan amount, program and other factors. Easily compare APRs, closing costs and monthly payments to find the lender offering the best mortgage rates in Ogden.

We recommend that you contact at least five lenders as shopping multiple lenders is the best way to save money on your mortgage in Ogden. Plus, shopping lenders is free and there is no obligation.

Mortgage Rates in Ogden, UT as of September 29, 2020
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Data provided by Brown Bag Marketing, Inc. Payments do not include amounts for taxes and insurance premiums. Read through our lender table disclaimer for more on rates and product details.


How Do Today's Ogden, UT Mortgage Rates Compare?

September 29, 2020

The current average rate for a 30 year fixed rate mortgage in Ogden is A.AAA%, the rate for a 15 year fixed rate mortgage is B.BBB% and the rate for a 5/1 adjustable rate mortgage (ARM) is C.CCC%

Mortgage Program
Ogden, UT Rates
30 Year Fixed Rate
15 Year Fixed Rate
5/1 Adjustable Rate Mortgage

How Affordable is Housing in Ogden, Utah?

Below we provide helpful information on the real estate market, home prices and housing affordability in Ogden. Understand how much you need to earn to afford a home in Ogden, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in Ogden fits your budget. This information is based on proprietary analysis you can only find on FREEandCLEAR and we offer it to help you decide if living in Ogden is right for you.

The median home value for Ogden, UT (Weber County) is $278,778

Based on current mortgage rates and a 10% down payment, you need to make $50,173 per year to buy the median priced home in Ogden

With this income, you could qualify for a $250,900 mortgage, assuming your monthly debt expense is reasonable

Based on this loan amount, the monthly mortgage payment required to buy the median priced home in Ogden is $1,162

The median household income for Ogden, UT (Weber County) is $65,426

Based on this income, you can afford a home valued at approximately $363,529

The home price you can afford to buy based on household income in Ogden is 130% of the median home value which means housing prices are average. Ogden (Weber County) ranks 18 out of 29 counties in Utah and 2,771 out of 3,142 counties in the United States for housing affordability.

According to the FREEandCLEAR Housing Affordability Index, the housing market in Ogden, UT is average


Loan Limits for Ogden, Utah

Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for Ogden (Weber County) below.

Conforming loan limits for Ogden, UT

1 unit: $646,300
2 units: $827,400
3 units: $1,000,100
4 units: $1,242,900

FHA loan limits for Ogden, UT

1 unit: $646,300
2 units: $827,400
3 units: $1,000,100
4 units: $1,242,900

VA loan limits for Ogden, UT

1 unit: $646,300

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