Not financial advice. Mortgage FV Calculator is a software calculator, not a personal-finance product or advisory service. It computes standard financial functions and displays the results for your convenience. Nothing here constitutes, or is intended to constitute, financial, investment, tax, legal, mortgage, credit, or insurance advice. Always consult a qualified professional before making any financial decision.
Ogden mortgage calculator
A median-priced Ogden, UT home at 6.75% over 30 years, with Utah property tax of 0.55% and $1,300 a year of homeowners insurance. Every figure below is computed on our amortising engine — nothing is estimated in the browser.
$3,073 a month, all in
Principal and interest are $2,580; escrow and PMI add the rest. Over the full term the loan costs $531,044 in interest. Discounted at 5%, buying here has a net present value of $8,530 ($264,964 in today’s dollars).
Within Utah, Ogden is the cheapest of the 5 Utah markets covered here — St. George runs about 1.41x these prices. Buyers priced out of the expensive end of the state often end up comparing exactly this pair.
The price-to-rent ratio here is 22.2 ($442,000 to buy, $1,656 a month to rent), which is high. Renting and investing the deposit is a genuine alternative in Ogden, not a fallback position.
Ogden is cheaper than Utah as a whole — $442,000 against a state median of $520,000, roughly 15% below. On a 20% deposit that is $15,600 less to find up front.
Monthly cost in Ogden vs comparable rent
Owning is stacked by component; renting is the local median asking rent.
The monthly breakdown
| Median home price | $442,000 |
|---|---|
| Down payment (10%) | $44,200 |
| Loan amount | $397,800 |
| Principal & interest | $2,580/mo |
| Property tax (0.55%) | $203/mo |
| Homeowners insurance | $108/mo |
| PMI while above 80% LTV | $182/mo |
| Total monthly payment | $3,073/mo |
| Comparable rent | $1,656/mo |
What a rate move does to the Ogden payment
| Rate | Principal & interest |
|---|---|
| 5.5% | $2,259/mo |
| 6% | $2,385/mo |
| 6.5% | $2,514/mo |
| 7% | $2,647/mo |
| 7.5% | $2,781/mo |
| 8% | $2,919/mo |
Rent or buy in Ogden?
Against $1,656 a month in rent, over 7 years renting leaves you about $89,243 better off — $75,077 once 2.5% inflation is stripped out. See the Utah rent-vs-buy page.
Where these numbers come from
Utah medians come from editorial and are refreshed weekly. The Ogden figures index those state medians to the local market, so they track the same feed rather than going stale. Insurance and the state income tax rate are editorial. Treat everything here as a planning estimate, not a quote.