84040 — Davis County, Utah Market Snapshot
Housing market data for zip code 84040 in Davis County, Utah. Updated monthly with median prices, days on market, and more.
Market Sales Data
66 sales in 2026 (year to date)
Median Sale Price
$602,500
Days to Sell
28
Homes Sold
66
Inventory
68
Sale-to-List
99.6%
New Listings
102
Price/SqFt
$220
Pending Sales
72
Conforming Loan Available
Most homebuyers in 84040 can comfortably use conventional financing. The median home price of $602,500 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
Homes in 84040 are moving quickly at 28 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 84040 (99.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 84040 can comfortably use conventional financing. The median home price of $602,500 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 84040 are set at the county level.
2026 Loan Limits — Davis County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $744,050 |
| 2 Units | $1,066,250 | $952,500 |
| 3 Units | $1,288,800 | $1,151,400 |
| 4 Units | $1,601,750 | $1,430,900 |
Affordability Snapshot — Zip 84040
To purchase the median home at $602,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,766.
Monthly Payment
$4,766
Income Required
$204,264
Principal & Interest
$3,712/mo
Down Payment (5%)
$30,125
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 84040.
Estimated Monthly Payment
$3,879
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