Mortgage Rates in South Ogden, Utah — March 2026
Updated March 2026 | Based on South Ogden market data and regional lending conditions
South Ogden is a growing city in Utah with a population of 17,572. The current 30-year fixed mortgage rate in South Ogden is 6.89%, which is 0.24% above the national average. With a median home price of $484,000 and a 20% down payment of $96,800, homebuyers can expect a monthly principal and interest payment of approximately $2,548.
Current Mortgage Rates in South Ogden, UT
Below are the current average mortgage rates available in the South Ogden area as of March 2026. Rates vary by lender, credit score, and loan-to-value ratio. Use our free calculator above to see your personalized estimate.
| Loan Type | Rate | National Avg | Difference |
|---|---|---|---|
| 30-Year Fixed | 6.89% | 6.65% | +0.24% |
| 15-Year Fixed | 6.1% | 5.89% | +0.21% |
| 5/1 ARM | 6.34% | 6.15% | +0.19% |
| FHA | 6.57% | 6.25% | +0.32% |
| VA | 6.32% | 6.05% | +0.27% |
| Jumbo | 7.14% | 6.85% | +0.29% |
South Ogden Housing Market Overview
The South Ogden housing market reflects moderate demand with prices near the national average. The median household income in South Ogden is $73,700, and the cost of living index is 96.2 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $118,714 to comfortably afford the median-priced home in South Ogden, which exceeds the current median household income.
Monthly Payment Breakdown for South Ogden
Based on the median home price of $484,000 with 20% down ($96,800), here is what you can expect to pay monthly in South Ogden:
15-Year vs. 30-Year Mortgage in South Ogden
Choosing a 15-year mortgage in South Ogden at 6.1% instead of a 30-year at 6.89% would save you $325,440 in total interest over the life of the loan. However, your monthly payment would be $3,288 instead of $2,548 — an increase of $740 per month.
Calculate Your South Ogden Mortgage Payment
Use our free calculator to get a personalized estimate based on your loan amount, interest rate, and term.
Open Free CalculatorFrequently Asked Questions About Mortgages in South Ogden
What are the current mortgage rates in South Ogden, UT?
As of March 2026, the average 30-year fixed mortgage rate in South Ogden, Utah is 6.89%, while the 15-year fixed rate is 6.1%. FHA loans average 6.57% and VA loans 6.32%. These rates are 0.24% above the national average of 6.65%.
How much is a monthly mortgage payment in South Ogden?
Based on the median home price of $484,000 with 20% down, the estimated monthly mortgage payment in South Ogden is $2,548 for principal and interest. Including property taxes of $222/month, the total monthly housing cost is approximately $2,770.
What income do I need to buy a home in South Ogden?
Using the 28% rule, you would need an annual income of approximately $118,714 to afford the median-priced home in South Ogden at $484,000. The median household income in South Ogden is $73,700. This means most households would need to either earn above the median or consider homes below $484,000.
Is South Ogden a good place to buy a home in 2026?
South Ogden offers a below-average cost of living with a cost of living index of 96.2 (national average = 100). The property tax rate in Utah is 0.55%, which is below the national average. South Ogden has a population of 17,572 and offers a balanced lifestyle.
Mortgage Rates in Other Utah Cities
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the South Ogden, Utah area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.