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Ogden, UT DSCR LoansAppreciation Market

DSCR Loans in Ogden, UT

Finance investment properties in Ogden with a DSCR loan. Qualify based on rental income, not tax returns. Median rent at $1,400/mo with +3.8% annual growth.

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$1,400/mo
Median Rent
$350K
Median Home Price
+3.8%
Rent Growth (YoY)
92K
Metro Population

Market data updated 2026-01-30

Ogden Market Snapshot

Why Invest in Ogden?

  • Outdoor recreation hub with Snowbasin and Powder Mountain nearby
  • Weber State University provides student rental demand
  • More affordable than SLC with growing tech and defense employment

Key Economic Drivers

Military (Hill AFB)HealthcareManufacturingEducation
Median Rent
$1,400/mo
Rent Growth
+3.8%

Property Types We Finance

Single FamilyTownhomesMulti-Family2-4 Units

Popular Investment Areas

Downtown25th StreetSouth OgdenLayton

Metro Population

92K

Ogden metro area — a strong tenant pool for rental property investors.

DSCR Analysis

Example DSCR Calculation for Ogden, UT

Here's how a typical DSCR loan works using Ogden's actual market data.

Loan Structure

Purchase Price$350,000
Down Payment (20%)$70,000
Loan Amount$280,000
Interest Rate7.5%

Monthly Costs (PITIA)

Principal & Interest$1,958
Property Tax (0.58% rate)$169
Insurance$133
Total PITIA$2,260

DSCR Result

Monthly Rent
$1,400
÷
Monthly PITIA
$2,260
=
DSCR Ratio
0.62

Based on Ogden's median home price of $350,000 and median rent of $1,400/month, a typical DSCR investment produces a challenging DSCR ratio. Investors may need a larger down payment (25-30%) to improve the ratio, or should target properties priced below the median. With a 20% down payment of $70,000, the monthly PITIA (principal, interest, taxes, insurance) comes to $2,260. The local property tax rate of 0.58% and annual insurance cost of $1,600 are factored into this calculation.

Estimated Cap Rate
2.8%
Ogden's estimated cap rate is 2.79%, indicating a premium market where investors rely primarily on appreciation.
Market Comparison

Ogden vs. Utah Average

How Ogden's rental market compares to the Utah statewide average.

Median Rent
$1,400/mo
↓ 17.6% below state avg
Median Home Price
$350K
↓ 23.9% below state avg

Ogden's median rent of $1,400/month is 17.6% below the Utah state average of $1,700/month. Home prices at $350,000 are 23.9% below the state average of $460,000.

Investment Strategy

Ogden Investment Strategy: Appreciation

Ogden represents a smaller-market appreciation strategy where local fundamentals like military (Hill AFB) and healthcare drive steady value gains. With $1,400/mo rents and $350K prices yielding a 4.80% ratio, investors benefit from both cash flow and modest appreciation. Target Downtown for premium tenants or 25th Street for better cap rates.

DSCR Ratio
0.62
Cap Rate
2.8%
Vacancy Rate
6.9%
Tax Rate
0.58%
FAQ

DSCR Loan Questions for Ogden

What's the typical DSCR requirement for Ogden investment properties?
The DSCR is calculated by dividing monthly rental income by PITIA (Principal, Interest, Taxes, Insurance, Association fees). In Ogden, with a 0.58% tax rate adding roughly $169/month to expenses, investors should target properties where rents exceed total monthly costs by at least 10-25%.
Is 20% down enough for a DSCR loan on a Ogden property?
Total cash needed for a Ogden investment property includes down payment (typically 20-25%), closing costs (2-4%), and reserves (6 months PITIA). For a median-priced property at $350K, plan for approximately $98,000 total cash to close and maintain required reserves.
What are the best neighborhoods for investment in Ogden?
Investor-friendly areas in Ogden include Downtown, 25th Street, South Ogden, Layton. The permissive STR regulations make short-term rentals viable in most areas.
Are Airbnb properties eligible for DSCR loans in Ogden?
Yes, DSCR loans can finance Ogden Airbnb properties. Key requirements: valid STR permit/license, 20-25% down, proof of rental projections, and typically 9-12 months reserves. Consider whether STR or long-term rental better suits your investment goals.
What should I budget for property taxes in Ogden, UT?
Property tax rates in Ogden, Utah average approximately 0.58% of assessed value. For a property at the median price of $350K, this translates to roughly $169/month in property taxes, which is factored into DSCR calculations.
What's driving rental demand in Ogden?
Ogden's vacancy rate of 6.9% is in line with national averages. This balanced market allows for steady tenant turnover without extended vacancies.
What appreciation rate can I expect in Ogden?
Ogden's historical appreciation has outpaced state and national averages, driven by Military (Hill AFB) and Healthcare employment growth. While past performance doesn't guarantee future returns, Ogden's outdoor recreation hub with snowbasin and powder mountain nearby suggests continued upward pressure on values. DSCR investors should focus on total return (appreciation + income) rather than cash flow alone.

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