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Ephraim city, UT

ZIP 84627 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 84627

Median Home Value
$417,500
Median Rent
$823
Affordability Snapshot
$115,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,682/mo PITI).

13%
Rent-to-Income Ratio

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

5.3x
Home Price-to-Income Ratio

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

42.3 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 84627 in Ephraim city, UT, a household would need roughly $115,000 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 $2,682. That is about 47% above the local median household income ($78,269), 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

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
54.5%-17% vs US avg
x
Vacancy Rate
6.2%-40% vs US avg
x
Broadband Access
78.6%-10% vs US avg
x
4+ Bedrooms
25.0%+69% vs US avg
x
Built Pre-1939
1.4%-89% vs US avg
x
Built Post-2014
2.9%-58% vs US avg
x
Rent Burden >30%
16.1%-68% vs US avg
x
Mortgage-Free
27.9%-27% vs US avg
x
$417,500
Home Value
$823
Rent
1997
Year Built
2017
Moved In

Residents have lived here since ~2017 on average

Housing Structure

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

  • 1-unit detached67.2%
  • 1-unit attached0.3%
  • 2-9 units15.9%
  • 10+ units14.2%
  • Mobile home & other2.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$417,500
Median rent$823
Owner-occupied54.5%
Vacant6.2%
Price-to-income5.3x
Est. income to buy$115,000