84318 — Cache County, Utah Market Snapshot
Housing market data for zip code 84318 in Cache County, Utah. Updated monthly with median prices, days on market, and more.
Market Sales Data
18 sales in 2026 (year to date)
Median Sale Price
$686,250
Days to Sell
77
Homes Sold
18
Inventory
31
Sale-to-List
97.4%
New Listings
29
Price/SqFt
$192
Pending Sales
21
Conforming Loan Available
The median home in 84318 at $686,250 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
With homes sitting for 77 days on average, 84318 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
The average home in 84318 sells for 2.6% below asking price (97.4% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 84318 at $686,250 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 84318 are set at the county level.
2026 Loan Limits — Cache County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 84318
To purchase the median home at $686,250 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,408.
Monthly Payment
$5,408
Income Required
$231,764
Principal & Interest
$4,228/mo
Down Payment (5%)
$34,313
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 84318.
Estimated Monthly Payment
$4,397
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