Mortgage Rates in Ogden, UT: Today's Averages & 2026 Outlook
Ogden 30-year fixed rates are running around 6.87% — roughly 2 bps above the national average of 6.85%. Here's how Ogden rates stack up, what drives the metro spread, and the payment math on a typical Ogden home.
Today's Ogden rates by loan type
Estimates for Ogden based on the current national 30-year average of 6.85% plus the metro's typical spread (+2 bps). Live national rate sourced daily from Freddie Mac PMMS. Your actual quote will depend on your credit, down payment, and lender.
What drives Ogden mortgage rates
The national 30-year average sets the floor for every Ogden lender. But the $Ogden-Clearfield metro typically prices about 2 basis points above that national benchmark because of local dynamics.
Local market read. SLC-adjacent affordability play.
Who's lending. Builder-affiliated and regional lenders lead.
Median deal size. A typical Ogden loan is around $405,000 on a $455,000 home. That sits well inside conforming loan limits, so most Ogden buyers get standard agency pricing.
What a typical Ogden payment looks like
| Line item | Estimate |
|---|---|
| Median home price (Ogden-Clearfield) | $455,000 |
| Median loan amount | $405,000 |
| 30-yr rate (Ogden avg) | 6.87% |
| Monthly principal & interest | $2,659 |
| Est. full PITI (add ~30% for taxes/insurance) | ~$3,457 |
Directional math for Ogden in 2026. Add property taxes, homeowners insurance, PMI (if less than 20% down), and any HOA dues for full monthly cost. Our mortgage calculator lets you plug in your exact numbers.
More on buying in Utah
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Ogden mortgage rates: FAQ
What is today's mortgage rate in Ogden, UT?▾
The average 30-year fixed mortgage rate in Ogden is around 6.87% — 15-year fixed near 6.12%, FHA around 6.62%, VA around 6.52%. That's roughly 2 bps above the current US 30-year average of 6.85%. Your actual rate depends on credit score, down payment, loan type, and lender competition — always compare Loan Estimates from at least three lenders.
How do Ogden mortgage rates compare to the national average?▾
Ogden rates typically sit slightly above (about 2 bps higher than) the US 30-year average. The metro spread reflects local lender competition, loan mix, and property-tax/insurance dynamics specific to the Ogden-Clearfield area.
What's the median home price in Ogden?▾
The median home price in the Ogden-Clearfield metro is about $455,000, with a typical loan amount of $405,000 at conventional LTVs. At today's 6.87% rate, principal and interest on that loan runs about $2,659/month — before property taxes, homeowners insurance, and (if applicable) PMI or HOA dues.
Who are the top lenders in Ogden?▾
Builder-affiliated and regional lenders lead. You'll get the best rate by comparing at least three Loan Estimates — a mix of a national non-bank lender, a local credit union, and (for higher loan amounts) a portfolio bank tends to reveal the best pricing for your specific profile.
Should I lock my rate now or wait in Ogden?▾
SLC-adjacent affordability play. On rate timing itself, no one can call the exact peak or trough — but if the payment on your target Ogden home works today at 6.87%, locking and refinancing later if rates fall is a well-worn playbook. Our Right-Time-to-Buy tool models the wait-vs-buy math for you.