84018 — Morgan County, Utah Market Snapshot
Housing market data for zip code 84018 in Morgan County, Utah. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 1 home sold in this ZIP code during the selected period. Statistics may not be representative. See the Morgan County county page for broader data.
Market Sales Data
1 sales in 2024
Median Sale Price
$490,000
Days to Sell
137
Homes Sold
1
Inventory
1
Conforming Loan Available
Most homebuyers in 84018 can comfortably use conventional financing. The median home price of $490,000 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
With homes sitting for 137 days on average, 84018 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Conforming Loan Feasibility
Most homebuyers in 84018 can comfortably use conventional financing. The median home price of $490,000 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 84018 are set at the county level.
2026 Loan Limits — Morgan County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $744,050 |
| 2 Units | $1,066,250 | $952,500 |
| 3 Units | $1,288,800 | $1,151,400 |
| 4 Units | $1,601,750 | $1,430,900 |
Affordability Snapshot — Zip 84018
To purchase the median home at $490,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,904.
Monthly Payment
$3,904
Income Required
$167,324
Principal & Interest
$3,019/mo
Down Payment (5%)
$24,500
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 84018.
Estimated Monthly Payment
$3,183
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