Median home value in zip code 84312 (Garland, UT) is $426K, up 2.9% year over year. Part of the Ogden-Clearfield, UT metropolitan area.

Full stress scores, AI analysis, and 12-month forecast: Ogden-Clearfield, UT metro →

Home Value$425,614

YoY Change

+2.9%

AFFORDABILITY

Enter your income for 84312 (Garland).

Income (annual)

Down Payment

$85,123 on $425,614

Out of reach — 39.6% of income

Need $106,114/yr to afford.

PITI$2,476

P/I39.6%

Afford$301K

Gap-$125K

P&I $2,152Tax $223Ins $100

6.50% 30yr, 20% down, county tax + UT ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Metro Analysis

84312 is part of the Ogden-Clearfield, UT metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

View Ogden-Clearfield, UT analysis

Want deeper metro-level analysis?Stress scores, crash risk, 12-month forecasts, and early warning signals for 195 US metros.

Try Free