1st Advantage MortgageIn Davis County, Utah, the typical household earns $110,884 a year and the typical rent is $1,621. Those figures describe the county, not you: compare at least three written offers by APR and total cost, and confirm the lender's license before you apply.
On this page
- Davis County at a glance
- Paychecks and income spread in Davis County
- Work, industries and travel time in Davis County
- Rent, home values and ownership in Davis County
- Davis County and the counties next door
- Davis County towns compared
- Budget math at the Davis County median
- Who lives in Davis County, in numbers
- Reading the Davis County data as a borrower
- A Davis County borrower's checklist
- Checking a lender's license in Utah
- More guides for Davis County
- Frequently asked questions
Davis County at a glance
The latest five-year Census estimate puts Davis County's population at 370,924; only 2 of Utah's 29 county-level areas are larger. Land area is 325 square miles (2024 Gazetteer), so density runs near 1,142 per square mile. The federal metro definitions (OMB, July 2023) place it in the Ogden, UT metropolitan area. The Census Bureau counts 15 places in the county (15 incorporated, 0 census-designated); the largest is Layton, with about 83,286 residents, or 22% of the county.
Paychecks and income spread in Davis County
Davis County households have a median income of $110,884 (ACS 2020 to 2024), which ranks 4th of 29 in Utah.
| Households earning | Davis County | +/- vs Utah |
|---|---|---|
| Under $35,000 | 10.6% | -3.5 pts |
| $35,000 to $99,999 | 33.6% | -5.0 pts |
| $100,000 to $199,999 | 39.1% | +5.6 pts |
| $200,000 or more | 16.7% | +2.8 pts |
Some 11% of households here live on less than $35,000 a year; 56% have six-figure incomes. 6.4% of residents fall below the federal poverty line (statewide: 8.5%). The Gini index of income inequality is 0.391 (0 is perfect equality). For a borrower in Davis County, the county median is only context: a lender looks at the income you can document, so pay stubs, benefit letters or tax returns matter more than any average.
Work, industries and travel time in Davis County
By the Census industry count, 22% of employed Davis County residents work in education and health care and 12% in professional and administrative services. Compared with Utah, the county leans toward public administration (7% against 5%). ACS puts five-year average unemployment at 2.7% in Davis County. Long commutes are the exception here: 10% of workers spend 45 minutes or longer getting to work. 2.6% of households have no vehicle.
| Where residents work | Davis County | Difference from Utah |
|---|---|---|
| Education and health care | 22.0% | -0.6 pts |
| Professional and administrative services | 12.4% | -0.7 pts |
| Retail trade | 11.7% | +0.3 pts |
| Manufacturing | 10.2% | 0.0 pts |
| Arts, lodging and food service | 7.6% | -0.5 pts |
| Public administration | 7.4% | +2.8 pts |
If your hours swing with the season or with overtime, size a loan payment against your base pay, not your best month.
Rent, home values and ownership in Davis County
Renters in Davis County pay a median of $1,621 a month, 8% above the Utah figure of $1,496. 47% of renting households spend 30% or more of income on rent, and 18% spend half or more. With a median value of $505,500, a typical Davis County house costs 4.6 times what the median household earns in a year. The ownership rate is 77%. The median year built is 1993.
| Home costs | Davis County | Utah | U.S. middle county |
|---|---|---|---|
| Median gross rent | $1,621/mo | $1,496/mo | $877/mo |
| Median home value | $505,500 | $489,400 | $185,300 |
| Owners | 77% | 70% | 75% |
| Rent-burdened renters | 47% | 47% | 45% |
| Burdened owners | 21% | 25% | n/a |
| Vacant units | 4% | 8% | n/a |
In an owner-heavy county like Davis County, many borrowers can also choose a home equity loan or line of credit. Those can price lower but put the house on the line, so compare the two in writing; our personal loan vs. HELOC guide walks through it.
Davis County and the counties next door
The six counties whose centers lie closest to Davis County's, from 23 to 62 miles away. 1 of the six report a higher median household income than Davis County; Morgan County is highest at $130,929 and Cache County lowest at $81,665.
| County | Distance | Median income | Median rent | Owners |
|---|---|---|---|---|
| Davis County | - | $110,884 | $1,621/mo | 77% |
| Weber County, UT | 23 mi | $90,005 | $1,379/mo | 74% |
| Salt Lake County, UT | 29 mi | $97,494 | $1,592/mo | 66% |
| Morgan County, UT | 33 mi | $130,929 | $1,492/mo | 89% |
| Cache County, UT | 54 mi | $81,665 | $1,213/mo | 64% |
| Box Elder County, UT | 60 mi | $84,550 | $1,116/mo | 76% |
| Tooele County, UT | 62 mi | $106,587 | $1,189/mo | 82% |
Davis County towns compared
15 Census places fall mainly inside Davis County; the 14 biggest are below. They account for 368,627 residents, leaving about 1% of the county in unincorporated, unnamed areas. Fruit Heights has the highest median household income on the list ($140,679) and Clearfield the lowest ($75,495), counting places with at least 500 residents. Rent is cheapest in Sunset ($1,156) and steepest in Syracuse ($2,140). This guide covers each of the 15 places and the rural areas around them.
| Community | Type | Residents | Household income (median) | Rent (median) | Distance |
|---|---|---|---|---|---|
| Layton | city | 83,286 | $102,480 | $1,538 | 13 mi |
| Bountiful | city | 45,023 | $104,785 | $1,565 | 21 mi |
| Syracuse | city | 35,488 | $133,443 | $2,140 | 8 mi |
| Clearfield | city | 33,523 | $75,495 | $1,579 | 10 mi |
| Kaysville | city | 33,053 | $133,026 | $1,538 | 13 mi |
| Farmington | city | 25,389 | $127,338 | $1,769 | 16 mi |
| Clinton | city | 23,612 | $116,194 | $1,698 | 10 mi |
| North Salt Lake | city | 23,474 | $101,447 | $1,667 | 20 mi |
| Centerville | city | 16,679 | $123,130 | $1,918 | 18 mi |
| West Point | city | 11,929 | $120,687 | $1,783 | 8 mi |
| Woods Cross | city | 11,531 | $120,543 | $1,771 | 19 mi |
| South Weber | city | 8,115 | $138,600 | $1,469 | 15 mi |
| Fruit Heights | city | 6,023 | $140,679 | $1,932 | 16 mi |
| West Bountiful | city | 5,915 | $135,179 | $1,547 | 18 mi |
Budget math at the Davis County median
The debt-to-income ratio is the main affordability test lenders use. Applied to Davis County's medians:
- Median income divided by twelve: $9,240 before taxes
- Rent at the median, $1,621, takes 18% of that
- With a 36% ceiling, about $1,706 remains for car, card, student and any new loan payments
Two-income households and single earners in Davis County land in very different places on this math, so run it for your own budget.
Who lives in Davis County, in numbers
Degree holders: 39% of adults over 25. About 6% go without health insurance.
| Davis County | Utah | U.S. county median | |
|---|---|---|---|
| Median age | 32.5 | 32.0 | 41.5 |
| Bachelor's or higher | 39.3% | 37.7% | 22.2% |
| No high school diploma | 4.4% | 6.6% | n/a |
| No health insurance | 5.7% | 8.4% | 7.8% |
| No vehicle | 2.6% | 4.1% | 5.4% |
| Work from home | 18.1% | 17.6% | 8.7% |
| Poverty rate | 6.4% | 8.5% | 13.2% |
| Unemployment (ACS) | 2.7% | 3.6% | 4.4% |
| Travel time to work | Workers |
|---|---|
| Under 15 min | 28.6% |
| 15 to 29 min | 41.5% |
| 30 to 44 min | 19.8% |
| 45 to 59 min | 6.1% |
| 60+ min | 4.1% |
Reading the Davis County data as a borrower
What the Davis County figures suggest, and what to check first:
- Consolidation math. With 56% at six figures, card consolidation is common; it pays only if total cost falls (guide).
- 47% rent-burdened. A payment on top of high rent needs a cushion; size it with the calculator.
- Advance-fee offers. No legitimate lender asks a Davis County borrower to pay first (scam signs).
A Davis County borrower's checklist
Four checks before you sign anything:
- Know the exact dollar figure you need before talking to a lender.
- Prequalify with soft pulls where offered, then compare in writing.
- A Utah license check takes minutes; do it first.
- Lock paid-off cards after consolidating so balances stay at zero.
Checking a lender's license in Utah
Before sharing details with a lender, a Davis County resident can confirm its license with the Utah Department of Financial Institutions. The Consumer Financial Protection Bureau accepts complaints nationwide. The Utah guide covers state rules in more detail.
More guides for Davis County
For statewide rules and data, see the Utah guide.
Frequently asked questions
What does a typical Davis County household make?
About $110,884 a year at the median (ACS 2020-24), 17% above the Utah median.
How does Davis County rent compare with Utah?
$1,621 locally versus $1,496 for the state, 8% above.
Should Davis County homeowners use home equity instead?
Maybe, but weigh the risk: 77% of Davis County homes are owner-occupied, and a home-equity loan or line is secured by the house while a personal loan usually is not.
Which towns does the Davis County guide cover?
Every community in the county, unincorporated areas included. The largest of its 15 Census places: Layton, Bountiful, Syracuse, Clearfield, Kaysville.
Does my county matter to the questionnaire?
Only your state does. Whether you live in Davis County or elsewhere in Utah, the same rules apply.