PMI Removal in Ogden, UT 84404

Ogden property data

$437,546

Average Ogden home value

$269

Per square foot in Ogden

1,629

Average building sqft

8,397

Valued parcels in Ogden

Source: Weber County public GIS assessor records for Ogden, computed 2026-09-04.

At $437,546, the average Ogden home is 7% below the Weber County average of $471,908, ranking 3 of 4 cities EquityUp tracks in the county.

Put 10% down on a home at that price and you start with a $393,791 loan at 90% LTV, which carries roughly $279/month in PMI at a mid-range 0.85% annual rate, about $3,348 a year. Reaching the 80% threshold where you can demand cancellation takes $43,754 of combined paydown and appreciation on a Ogden home of average value.

How PMI removal works in Ogden

Under the federal Homeowners Protection Act, a Ogden homeowner can request cancellation of private mortgage insurance once their loan-to-value ratio reaches the applicable threshold. Which threshold applies depends on the basis:

Original value. Cancellation can be requested at 80% LTV (12 U.S.C. §4902(a)); the servicer must terminate PMI automatically at 78% (12 U.S.C. §4902(b)).
Current value — the appreciation path. 75% LTV if the loan is under 5 years old (12 U.S.C. §4902(a)(3)(A)); 80% at 5 years or older (12 U.S.C. §4902(a)(3)(B)).

The appreciation path is measured against what the property is worth now, so it can carry a Ogden homeowner across the threshold ahead of the amortization schedule.

EquityUp reads the specific parcel's assessed value from Weber County records, calculates the current loan-to-value ratio, and on the paid tiers prepares the written request the homeowner submits to their own servicer, which must respond within 30 days.

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Frequently asked questions

What is the average home value in Ogden, UT 84404?

Based on current Weber County assessor records, the average residential property value in Ogden is approximately $437,546, with an average building size of 1,629 sqft across 8,397 valued parcels. EquityUp uses this public data to calculate a homeowner's current loan-to-value ratio at no cost.

How much is PMI on a typical Ogden home?

On an average Ogden home at $437,546, a buyer who put 10% down carries a $393,791 loan. At a mid-range 0.85% annual PMI rate that is about $279 a month, or $3,348 a year. Reaching the 80% loan-to-value mark takes $43,754 of combined paydown and appreciation. An individual rate depends on credit score, down payment and loan size.

How do I remove PMI on my Ogden home?

Under the federal Homeowners Protection Act, a Ogden, Utah homeowner can request PMI cancellation once their loan-to-value ratio reaches the applicable threshold: 75% on the appreciation path for a loan under 5 years old, 80% at 5 years or older. EquityUp calculates that ratio from Weber County assessor records and, on the paid tiers, prepares the written request the homeowner submits to their own servicer, which must respond within 30 days.

Does EquityUp serve homeowners in 84404?

Yes. EquityUp serves all of Weber County, including Ogden (84404). The free LTV audit uses publicly available county assessor records, with no appraisal required to get started.

How much does a PMI appraisal cost in Ogden, Utah?

A lender-ordered appraisal to support a PMI removal request in Ogden, Utah typically costs between $300 and $650, depending on whether the servicer requires a full URAR appraisal or accepts a broker price opinion (BPO). Before paying for either, EquityUp calculates a Ogden homeowner's current loan-to-value ratio at no cost from public Weber County assessor records. Under the Homeowners Protection Act, the appreciation-path threshold is 75% LTV for a loan under 5 years old and 80% at 5 years or older.

Sources and limitations

Last reviewed: 2026-08-15.

EquityUp is a data and document-preparation service. It is not a lender, loan servicer, mortgage broker, or licensed appraiser, it does not provide legal or financial advice, and it does not contact lenders on a homeowner's behalf — the homeowner submits their own request.

Statutory basis

Borrower-requested cancellation at 80% LTV of the property's original value — 12 U.S.C. §4902(a)
Automatic termination at 78% LTV of the property's original value — 12 U.S.C. §4902(b)
Cancellation on current value, loan under 5 years old, at 75% LTV — 12 U.S.C. §4902(a)(3)(A)
Cancellation on current value, loan 5 years or older, at 80% LTV — 12 U.S.C. §4902(a)(3)(B)

What this page does not cover

Coverage is limited to Utah, Salt Lake, Davis, and Weber counties in Utah. Properties outside these four counties are not in the dataset.
County assessed values reflect the assessment cycle and typically lag the market by 12 to 18 months. Where an automated valuation or an FHFA county index adjustment is available, EquityUp applies it and says so in the response; where neither is, the unadjusted assessed value is used.
City-level aggregates are filtered to detached single-family homes using the parcel-record proxy 'HOUSE_CNT = 1 AND BLDG_SQFT BETWEEN 800 AND 5000'. Condominiums, multi-family parcels, and homes outside that square-footage range are excluded.
An LTV figure derived from an assessed or automated value is not an appraisal. A lender or servicer may require its own broker price opinion or appraisal, at the homeowner's expense, before acting on a cancellation request.
Threshold and citation data describe the federal Homeowners Protection Act. Individual loan servicers may impose additional requirements, such as a minimum seasoning period or a clean payment history, that the statute does not.
The Ogden figures above are averages across 8,397 valued single-family parcels, computed from Weber County records on 2026-09-04. They describe the city, not any individual property, and are not a valuation of your home.

The same thresholds and citations are available as JSON at /api/v1/hpa-rules. Documentation: /for-ai-agents.

Nearby cities

Home equity in North Ogden, UT 84414 (3 mi from Ogden)
Home equity in South Ogden, UT 84405 (6 mi from Ogden)
Home equity in Roy, UT 84067 (7 mi from Ogden)
Home equity in Clearfield, UT 84015 (11 mi from Ogden)

Home Equity and PMI Removal in Ogden, UT 84404