ZIP Code 84040 — Layton city, UT Demographics & Data

ZIP code 84040 covers Layton, UT in Davis County with a population of about 28,269.

At a glance, the area shows median age of 36.6 versus a U.S. median of about 38.9.

It sits in telephone area codes 385, 801; U.S. House district UT-1; the SALT LAKE CITY media market.

Median household income in ZIP 84040 is about $123,297 — about 64% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 3.2%; unemployment rate near 1.8%; 45.6% of adults with a bachelor’s degree or higher (about 11.9 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Education; about 16.6% of workers reporting work-from-home (about 1.4 points above the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $486,300 — about 40% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,558 (about 34% above the U.S. median rent ($1,163)), and owner-occupancy near 84.9% (about 19.5 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 84040 in Layton, UT, a household would need roughly $134,000 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 $3,124. That is roughly in line with the local median household income ($123,297). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Layton city, UT as Relatively Moderate (composite score 87.8), which is elevated versus much of the country. The strongest component scores on US5 are wildfire (90.6) and flood (59.5). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Layton city, UT show little to no average snow and around 26.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 2,142 for ZIP 84040 (Layton city, UT) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.