Layton, Utah.
Typical home $521,360 (+2.3% in a year), asking rent $1,650 (+0.5%). Ogden-Clearfield, UT metro.
to buy the typical home at today's mortgage rate — +$1,511 (+123%) since Jan 2020.
- 1 year
- Up $11,811 +2%
- $509,549$521,360 since Sep 2025
- 5 years
- Up $66,359 +15%
- $455,001$521,360 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Layton$2,736
- Utah$2,797
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 25 years.
Typical home values in Layton, UT rose 2.3% over the past year — faster than the nation's +1.2%.
Asking rents in Layton, UT rose 0.5% over the past year — slower than the nation's +2.7%.
Owning the typical home in Layton runs $1,873/mo more than renting one. The gap peaked at $1,901 in Oct 2023.
That is $3,524 a month against $1,650 rent: a $2,736 mortgage payment, plus $229 property tax and $558 insurance & upkeep.
Owning vs renting — Layton
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$3,524
- Renting$1,650
- Mortgage only$2,736
Property tax · $229/mo 0.53% of value a year — the ACS 2020-2024 median bill over the median home value for Davis County, UT
Insurance & upkeep · $558/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in Layton, Davis County, Utah
Layton is a city of 81,773 people in Davis County. Half its households earn more than $102,480 a year and half less, against $110,884 across Davis County; 8% of its people live below the poverty line. 72% of its homes are lived in by their owners and 28% are rented. Unemployment in Layton was 3.4% in August 2026, and Davis County had 0.5% fewer jobs in 2025 than the year before. The most residents work in schools and health care, then shops.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Layton is a city in Davis County, home to a population younger than in much of the country. Most homes are lived in by their owners, and household incomes run a little below the county's overall. Winters are cold, with December highs just above freezing and lows well below it, while July brings hot days; the town sees a fair amount of snow each year alongside modest rain and melted snow.
Work. Residents work mostly in schools, hospitals and social care, with shops, professional and business services, and manufacturing also employing many. Holy Cross Hospital - Davis and Layton Hospital are among the largest workplaces in town, along with Walmart. A good number of adults hold a four-year degree, a typical commute is a moderate drive, and a fair share of people work from home.
Things to do. Hill Aerospace Museum is a short drive away, and Lagoon Amusement Park is also close by for a day out. Kay's Cross, a protected area, lies in or beside town. For skiing, Snowbasin is a longer drive away.
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- 27,779households
- 37%of adults have a degree
- 8%below the poverty line
- 23 mintypical commute
- 16%work from home
What residents work in
Employed residents by industry, from the Census survey. Davis County had 143,990 jobs in 2025, 0.5% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in December, with highs near 36° and lows near 20°; warmest in July, with highs near 92° and lows near 64°. About 23 inches of snow and 26 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Weber Basin Pump Plt weather station, 3 miles away (NOAA).
Largest workplaces in Layton
- Holy Cross Hospital - DavisGeneral hospital662FTE
- Smiths Food And DrugGeneral warehouse and storage423
- Layton HospitalGeneral hospital391FTE
- WalmartWarehouse clubs and supercenters382
- CR Lighting & ElectricElectrical contractors375
- Somafina USTPharmaceutical manufacturing plant construction350
- Smiths Food And DrugCommercial bakeries338
- Smiths Food And DrugMilk processing manufacturing275
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 45 workplaces with 20 or more staff, 6,577 people in all. Hospitals come from their Medicare cost reports (CMS, 2023); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- LightningRelatively high
- AvalanchesRelatively moderate
- Earthquakesrelatively high in parts of LaytonRelatively moderate
- Winter weatherrelatively high in parts of LaytonRelatively moderate
- Strong windRelatively moderate
- Heat wavesRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Layton’s census tracts, against the rest of the country; all of them together, relatively low. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Davis County and the Ogden-Clearfield, UT metro.
Layton home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Layton$521,360
- Utah$532,920
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
Sellers are cutting prices on about 1 in 3 Layton listings, and the typical home goes pending in 32 days — the market is cooling.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Layton38.64%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Layton32
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Layton254
New listings per month
Sellers arriving at the market.
- Layton70
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Layton$501,869
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Layton99.26%
Zip codes with a Layton address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Layton — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zip codes in Layton
| Zip activate to sort by Zip | Place activate to sort by Place | Population sorted descending, activate to sort ascending | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|
| 84041 | Layton | 55,180 | $1,544 | $477,957 |
| 84040 | Layton | 28,509 | $2,076 | $585,617 |