Side-by-side comparison of home prices, mortgage payments, and housing costs between Ogden and West Jordan, Utah. Using Utah's 0.58% property tax rate and $1,200/year insurance. Updated for 2026.
Ogden edges out West Jordan in affordability, saving you roughly $720/month on total housing costs. Both cities are in Utah, so property tax rates and insurance costs are the same — the difference comes down to home prices and what you get for your money in each market.
Estimated PITI payments assuming 10% down, 6.5% rate, 30-year fixed mortgage with PMI. Uses Utah's 0.58% property tax rate.
Buying in Ogden saves you approximately $720/month ($8,640/year) compared to West Jordan, based on median home prices with identical loan terms.
Ogden is the better choice for first-time buyers, with a median price of $365K versus $475K in West Jordan. That's $110K less to save for a down payment. You'd need roughly $13K for an FHA 3.5% down payment in Ogden, compared to $17K in West Jordan. Utah offers the UHC FirstHome Loan program (Up to 6% DPA second) which applies in both cities.
Ogden has the better price-to-rent ratio at 23.8x versus 26.0x in West Jordan. A lower ratio generally signals better rental income relative to purchase price. Average rent in Ogden is $1,280/month on a $365K median home, making it a stronger candidate for buy-and-rent investors.
West Jordan (pop. 116,961) offers more amenities, schools, and services typical of a larger city, while Ogden (pop. 87,321) may offer a quieter, more community-oriented lifestyle. Families on a budget may prefer Ogden, where lower housing costs free up more income for childcare, education, and savings.