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Millcreek city, UT

ZIP 84109 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 84109

Median Home Value
$679,000
Median Rent
$1,439
Affordability Snapshot
$187,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,362/mo PITI).

13%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

5.0x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

39.3 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 84109 in Millcreek city, UT, a household would need roughly $187,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $4,362. That is about 37% above the local median household income ($136,823), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
79.4%+21% vs US avg
x
Vacancy Rate
9.3%-10% vs US avg
x
Broadband Access
95.9%+10% vs US avg
x
4+ Bedrooms
25.0%+69% vs US avg
x
Built Pre-1939
8.8%-31% vs US avg
x
Built Post-2014
0.9%-87% vs US avg
x
Rent Burden >30%
17.1%-66% vs US avg
x
Mortgage-Free
35.8%-6% vs US avg
x
$679,000
Home Value
$1,439
Rent
1961
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached80.5%
  • 1-unit attached4.3%
  • 2-9 units6.6%
  • 10+ units8.5%
  • Mobile home & other0.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$679,000
Median rent$1,439
Owner-occupied79.4%
Vacant9.3%
Price-to-income5.0x
Est. income to buy$187,000