Mortgage payment estimates, closing cost breakdowns, and homebuying data for Layton, Utah.
Pre-filled with Layton median home price and Utah tax/insurance rates. Adjust for your property.
Estimated closing costs based on Utah rates and fees applied to Layton prices.
The median home price in Layton is $445,000, 7% below the Utah state median of $480,000. With a population of 78,014, Layton is a smaller market where home prices tend to be more accessible than in many parts of Utah.
Property taxes in Utah average 0.58% annually. This low property tax rate is a significant advantage for Layton buyers, keeping your monthly costs well below what you'd pay in higher-tax states. Homeowners insurance in Utah runs approximately $1,200 per year. This is within the normal range nationally.
Average rent in Layton is $1,450/month. With a price-to-rent ratio above 20, renting could be more economical in the short term — use our Rent vs Buy calculator to model your specific timeline.
Layton is a higher-cost market. At $445K median, buyers need significant savings or strong income. Down payment assistance through Utah's UHC FirstHome Loan program becomes especially important.