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Buying your first home in Sunset, 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 $345K median home market in Sunset.
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Buying your first home in Sunset 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 $345,000 and homes averaging 18 days on market, Sunset moves at a pace that requires pre-approval, clear priorities, and an agent who knows the area. First-time buyers in Sunset often work near Hill Air Force Base or Freeport Center, earning around the Sunset median household income of $55,000. 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.
Sunset is a small-town pocket within the Davis County suburban sprawl. Main Street has a handful of local businesses, a pizza shop, and a gas station, it's not a destination, but it's convenient. The FrontRunner station in Clearfield is a 5-minute drive for SLC commuters. City parks host pick-up basketball and evening walks. Shopping and dining happen in Clearfield or Layton, both 5–10 minutes away. Sunset Fun Days in summer is a neighborhood-scale celebration with bounce houses, food trucks, and a community talent show. The pace is small-town and affordable relative to Layton and Kaysville.
Median Home Price
$345K
Median Rent
$1,300/mo
Population
5,500
Annual Growth
1.0%
Avg Days on Market
18
Owner-Occupied
58%
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: Sunset Elementary, Sunset Junior High, Clearfield High School
Small city adjacent to Hill Air Force Base with affordable post-war housing stock.
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.
Treat Sunset like any small Davis County market: pull comps, budget for older housing stock, and use professional management. For public safety, check Sunset Police and Utah DPS data for the specific block and several recent years rather than a city-wide headline. Lighting, locks, and maintenance are operational items we can address; they are not a substitute for current public data.
Most Sunset homes are 50–70 years old and show their age, expect original windows, aging HVAC systems, and dated kitchens. The upside is that purchase prices already reflect deferred maintenance, so investors buying at current basis can renovate strategically. A $20K–$35K update budget for kitchen, bath, flooring, and paint can transform a dated Sunset home into a competitive rental that commands rents comparable to Clinton or Clearfield properties.
Demand is price-sensitive and tied to Hill AFB, nearby retail jobs, Davis School District zoning, and the Clearfield FrontRunner commute to SLC. Turnover can be higher than in pricier Davis County cities, so budget for turns and competitive renewal pricing.
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