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Layton city, UT

ZIP 84040 — Housing & Real Estate

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

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 84040

Median Home Value
$486,300
Median Rent
$1,558
Affordability Snapshot
$134,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,124/mo PITI).

15%
Rent-to-Income Ratio

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

3.9x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

26.0 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 84040 in Layton city, 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.

Housing Tenure

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
84.9%+30% vs US avg
x
Vacancy Rate
2.4%-77% vs US avg
x
Broadband Access
97.2%+12% vs US avg
x
4+ Bedrooms
39.0%+164% vs US avg
x
Built Pre-1939
0.2%-99% vs US avg
x
Built Post-2014
2.2%-68% vs US avg
x
Rent Burden >30%
13.3%-73% vs US avg
x
Mortgage-Free
32.3%-15% vs US avg
x
$486,300
Home Value
$1,558
Rent
1991
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 detached84.7%
  • 1-unit attached4.7%
  • 2-9 units2.9%
  • 10+ units4.6%
  • Mobile home & other3.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$486,300
Median rent$1,558
Owner-occupied84.9%
Vacant2.4%
Price-to-income3.9x
Est. income to buy$134,000