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Buying your first home in Kaysville, Utah: down payment assistance, what you need at closing, and the current median price and days on market.
Ondo pairs neighborhood-level pricing, prep, and negotiation support with the realities of a $520K median home market in Kaysville.
Nearby Coverage
Buying your first home in Kaysville is one of the biggest financial decisions you'll make, and the local market rewards buyers who are prepared. With a median home price of $520,000 and homes averaging 26 days on market, Kaysville moves at a pace that requires pre-approval, clear priorities, and an agent who knows the area. First-time buyers in Kaysville often work near Davis School District or Hill Air Force Base, earning around the Kaysville median household income of $95,000. Utah Housing Corporation offers down payment assistance grants and second mortgages that can cover your 3.5% FHA or 3% conventional down payment, making homeownership possible sooner than you think.
Kaysville blends small-town community with Davis County convenience. Mornings start with a FrontRunner commute from the Layton station or a 30-minute I-15 drive to SLC. Barnes Park is the social hub, farmers markets, food truck events, and the July Fourth celebration all happen here. Main Street has locally owned restaurants and ice cream shops within walking distance of nearby streets. The east bench trailheads connect to the Bonneville Shoreline Trail for after-work hikes with mountain views. Community events include Kaysville City Celebration in July with a parade, rodeo, and outdoor concerts that reflect the city's tight-knit identity.
Median Home Price
$520K
Median Rent
$1,650/mo
Population
33,000
Annual Growth
1.8%
Avg Days on Market
26
Owner-Occupied
80%
Ondo city medians as of Aug 2026 — verify. Not an MLS pull, appraisal, BPO, or CMA. Population and annual growth are approximate and are not tied to a named public source here. Check the U.S. Census Bureau for official figures.
We review your income, savings, credit, and monthly expenses to determine a realistic home budget. We explore all available programs: FHA, conventional, VA, USDA, and Utah Housing down payment assistance: to find the combination that minimizes your out-of-pocket costs.
Using your budget and priorities, we search for homes that match your needs. Our agents provide local insight on neighborhoods, commute patterns, school quality, and resale value. When you find the right home, we craft a competitive offer strategy.
We guide you through home inspection, negotiate any needed repairs, coordinate your loan closing, and ensure you understand every document you sign. From offer to keys, we're with you at every step.
School District: Davis School District
Notable schools: Davis High School, Kaysville Junior High, Kaysville Elementary
Charming foothill community known for tree-lined streets and older established neighborhoods along the Wasatch bench.
Outdoor Activities
Local Landmarks
It depends on your loan type and whether you qualify for down payment assistance. FHA loans require 3.5% down, conventional loans start at 3%, VA loans require zero down, and USDA loans require zero down in eligible areas. Utah Housing Corporation offers grants and forgivable second mortgages that can cover your entire down payment and some closing costs. We help you identify every available program to minimize your out-of-pocket costs.
Ask a lender about a documented pre-approval before you shop. A letter can clarify a budget range and which programs might fit. It does not tell you that you will qualify or lock a payment. Sellers often want to see a letter. We can connect you with lenders who work with first-time buyer programs.
From pre-approval to closing typically takes 45–90 days, depending on how quickly you find a home and your loan type. The home search itself varies, some buyers find a home in a week, others take several months. Once you're under contract, expect 30–45 days to close for conventional and FHA loans, and 45–60 days for VA and USDA loans. We set realistic timelines based on your specific situation.
Plan for closing costs (2–4% of the purchase price), home inspection ($350–500), appraisal fee ($400–600), homeowner's insurance (first year paid at closing), and moving expenses. Some of these costs can be negotiated as seller concessions. We provide a detailed cost estimate early in the process so there are no surprises.
Kaysville's higher acquisition costs are offset by premium rents, very low vacancy, and longer average tenancies. A typical 4-bed Kaysville home rents for $2,000–$2,600 depending on finish level and location. While cap rates may be slightly compressed versus Clearfield or Sunset, the lower turnover, reduced maintenance disputes, and strong appreciation trajectory make Kaysville a solid long-term hold. Many investors view Kaysville as a wealth-building play rather than a pure cash-flow market.
Well-maintained listings with current kitchens and landscaping tend to draw applicants who stay longer and expect responsive maintenance. Screening follows the same credit, employment, and occupancy process as elsewhere in Davis County.
Very competitive from a landlord's perspective, well-priced, well-presented properties receive multiple applications within days. From an investor acquisition standpoint, quality properties in Kaysville are tightly held and command full market pricing. Off-market deals through property management relationships and direct mail campaigns are more productive than MLS shopping in this market. When inventory does appear, speed matters.
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