ZIP CODE 84015 // OGDEN-CLEARFIELD, UT // DATA AS OF 2026-09-30
Clearfield, UT (84015) Rental Property Cap Rate & Cash Flow Report
Located in Davis County (Clearfield, UT), Zip Code 84015 ranks #295 of 500 within this selected sample (41th percentile) with a Zillow ZHVI typical home-value index of $459,048 (+1.7% YoY) and a ZORI observed market rent of $1,712/mo (+2.8% YoY). Requires at least 62.1% down payment at 6.5% interest to reach $0/mo break-even cash flow. This model combines different housing populations; it is not an observed average property return. Costs assume state-average tax, 0.5% annual insurance, 13% reserves and no HOA or management. Figures below follow your edits; this headline describes the original benchmark.
Net Monthly Cash Flow
-$1,222/mo
Annual: -$14,663/yr
Modeled Cap Rate
2.87%
NOI: $13,191/yr
Cash-on-Cash Return
-13.89%
Cash Needed: $105,581
1% Rule Ratio
0.37%
Gross Yield: 4.48%
Break-Even Rent
$3,117/mo
State Tax: 0.52%/yr
INTERACTIVE PRO-FORMA STATEMENT (ZIP 84015 BENCHMARK)
Edit any value
Purchase Price (ZHVI proxy)
Monthly Gross Rent (ZORI proxy)
Down Payment (%)
Interest Rate (30Y Fixed %)
Annual Property Tax (UT Avg 0.52%)
Annual Home Insurance ($)
Monthly HOA Fee ($)
Monthly Debt Service (P&I)
-$2,321/mo
Monthly Operating Expenses (Tax + Ins + 13% Reserves)
-$613/mo
HISTORICAL ZHVI PRICE VS. ZORI RENT TRAJECTORY (84015)
| Year | ZHVI Value | ZORI Rent | Gross Yield |
|---|---|---|---|
| 2021 | $399,503 | $1,428/mo | 4.29% |
| 2022 | $449,470 | $1,582/mo | 4.22% |
| 2023 | $434,361 | $1,621/mo | 4.48% |
| 2024 | $447,214 | $1,653/mo | 4.44% |
| 2025 | $451,479 | $1,666/mo | 4.43% |
| 2026 | $459,048 | $1,712/mo | 4.48% |
COMPARABLE U.S. RENTAL MARKETS
| Zip / City | Price | Rent | Cap Rate | Cash Flow |
|---|---|---|---|---|
| 84074 Erda, UT | $460,066 | $1,728/mo | 2.90% | -$1,214/mo |
| 84043 Lehi, UT | $577,253 | $2,252/mo | 3.05% | -$1,450/mo |
| 84404 Ogden, UT | $425,067 | $1,695/mo | 3.14% | -$1,036/mo |
| 84096 Herriman, UT | $598,541 | $2,064/mo | 2.58% | -$1,740/mo |
| 89110 Las Vegas, NV | $355,230 | $1,312/mo | 2.88% | -$945/mo |
| 43130 Lancaster, OH | $273,715 | $1,226/mo | 2.88% | -$728/mo |