ZIP CODE 84404 // OGDEN-CLEARFIELD, UT // DATA AS OF 2026-09-30
Ogden, UT (84404) Rental Property Cap Rate & Cash Flow Report
Located in Weber County (Ogden, UT), Zip Code 84404 ranks #248 of 500 within this selected sample (51th percentile) with a Zillow ZHVI typical home-value index of $425,067 (-0.3% YoY) and a ZORI observed market rent of $1,695/mo (+0.6% YoY). Requires at least 58.6% 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
-$1,036/mo
Annual: -$12,432/yr
Modeled Cap Rate
3.14%
NOI: $13,361/yr
Cash-on-Cash Return
-12.72%
Cash Needed: $97,765
1% Rule Ratio
0.40%
Gross Yield: 4.79%
Break-Even Rent
$2,886/mo
State Tax: 0.52%/yr
INTERACTIVE PRO-FORMA STATEMENT (ZIP 84404 BENCHMARK)
Edit any value
Purchase Price (ZHVI proxy)
Monthly Gross Rent (ZORI proxy)
Down Payment (%)
Interest Rate (30Y Fixed %)
Annual Property Tax (UT Avg 0.52%)
Annual Home Insurance ($)
Monthly HOA Fee ($)
Monthly Debt Service (P&I)
-$2,149/mo
Monthly Operating Expenses (Tax + Ins + 13% Reserves)
-$582/mo
HISTORICAL ZHVI PRICE VS. ZORI RENT TRAJECTORY (84404)
| Year | ZHVI Value | ZORI Rent | Gross Yield |
|---|---|---|---|
| 2023 | $405,011 | $1,580/mo | 4.68% |
| 2024 | $415,382 | $1,614/mo | 4.66% |
| 2025 | $426,551 | $1,685/mo | 4.74% |
| 2026 | $425,067 | $1,695/mo | 4.79% |
COMPARABLE U.S. RENTAL MARKETS
| Zip / City | Price | Rent | Cap Rate | Cash Flow |
|---|---|---|---|---|
| 84043 Lehi, UT | $577,253 | $2,252/mo | 3.05% | -$1,450/mo |
| 84074 Erda, UT | $460,066 | $1,728/mo | 2.90% | -$1,214/mo |
| 84015 Clearfield, UT | $459,048 | $1,712/mo | 2.87% | -$1,222/mo |
| 84096 Herriman, UT | $598,541 | $2,064/mo | 2.58% | -$1,740/mo |
| 91706 Baldwin Park, CA | $709,075 | $2,959/mo | 3.15% | -$1,726/mo |
| 02155 Medford, MA | $817,590 | $3,663/mo | 3.14% | -$1,997/mo |