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Garden CDP, UT

ZIP 84028 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 84028

Median Home Value
$527,300
Median Rent
$665
Affordability Snapshot
$145,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,387/mo PITI).

19%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

12.6x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

66.1 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 84028 in Garden CDP, UT, a household would need roughly $145,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $3,387. That is about 246% above the local median household income ($41,964), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 91% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
74.4%+14% vs US avg
x
Vacancy Rate
90.5%+779% vs US avg
x
Broadband Access
87.9%+1% vs US avg
x
4+ Bedrooms
8.0%-46% vs US avg
x
Built Pre-1939
0.3%-98% vs US avg
x
Built Post-2014
0.7%-90% vs US avg
x
Rent Burden >30%
18.9%-62% vs US avg
x
Mortgage-Free
37.0%-3% vs US avg
x
$527,300
Home Value
$665
Rent
1997
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached65.3%
  • 1-unit attached1.3%
  • 2-9 units4.0%
  • 10+ units4.1%
  • Mobile home & other25.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$527,300
Median rent$665
Owner-occupied74.4%
Vacant90.5%
Price-to-income12.6x
Est. income to buy$145,000