84050 — Morgan County, Utah Market Snapshot
Housing market data for zip code 84050 in Morgan County, Utah. Updated monthly with median prices, days on market, and more.
Market Sales Data
26 sales in 2026 (year to date)
Median Sale Price
$691,500
Days to Sell
44
Homes Sold
26
Inventory
46
Sale-to-List
97.3%
New Listings
51
Price/SqFt
$247
Pending Sales
35
Conforming Loan Available
The median home in 84050 at $691,500 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
84050's market is balanced with homes taking an average of 44 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 84050 sells for 2.7% below asking price (97.3% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 84050 at $691,500 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 84050 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 84050
To purchase the median home at $691,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,448.
Monthly Payment
$5,448
Income Required
$233,488
Principal & Interest
$4,261/mo
Down Payment (5%)
$34,575
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 84050.
Estimated Monthly Payment
$4,430
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