One city, split by a bench and a freeway
Layton runs from the Wasatch foothills to the Great Salt Lake flats, and value tracks that slope almost perfectly. Same city, very different comps at each elevation.
On the east bench, above I-15 toward US-89, East Layton holds medium to large single family homes built from the 1970s onward, with strong owner occupancy and the mountain views buyers pay for. Neighborhood level medians show the spread: Eastridge Park on the east side listed at a median of $975,000 in June 2026 brokerage data, with Rolling Hills and Oak Forest holding the established bench blocks, while planned communities like Trailside came in near $420,000 and Greyhawk supplies the townhome product young families start in.
The middle of the city is the workhorse market: an established family suburb whose housing stock is, in one brokerage's words, heavily oriented toward military families. Citywide, the June 2026 MLS median sale was about $469,000, against Zillow's typical value of $517,482. West of I-15, the newest chapter is being written along the West Davis Corridor (SR-177), the 16 mile highway that opened in January 2024 and runs through Layton's west side, opening ground that is now filling with subdivisions and a planned business park of more than three million square feet near 2700 West.
Bench, core, or corridor: an appraisal here starts with knowing which of the three markets the subject actually sits in, because a bench comp on a west side lot can miss by six figures.
"Every assignment in Layton is really a question about Hill Air Force Base: 26,893 people work next door, and their housing demand never sleeps."
Scones first, everything else after
Start where Layton starts: Sill's Cafe, the tiny family diner that has served this town for more than 50 years and made its deep fried Utah scones with honey butter a state legend, alongside jumbo cinnamon rolls and sausage gravy over hash browns. Criddle's Cafe keeps its own oversized scone tradition going across town. For dinner, Roosters Brewing runs its Layton brewpub on Heritage Park Boulevard as the local outpost of the Ogden brewery, Weller's Bistro serves schnitzel that earns its ratings, and Holy Smoke BBQ and Grill handles the brisket and pulled pork.
Around them sits one of northern Utah's densest retail restaurant strips: the city counts more than 150 restaurants, thick with national chains along the Layton Hills and Antelope Drive corridors. The locals listed above are the ones that predate the boom and outlast the turnover, and their staying power says something about the steadiness of the households they feed.
The base next door changes everything
Hill Air Force Base sits immediately north of Layton and is the anchor of the entire Davis County economy. The base's 2024 economic impact statement counts 26,893 personnel, including more than 14,000 government civilians and 6,200 contract civilians, a $2.12 billion annual payroll, and $12.76 billion in total economic impact supporting 67,046 direct and indirect jobs. Hill flies F-35 squadrons, and the contractor ecosystem around it, Boeing, Northrop Grumman, Lockheed Martin and others, fills Layton's business parks.
The civic anchors: Layton Hills Mall, nearly 600,000 square feet with Dillard's, JCPenney, Dick's Sporting Goods, and Cinemark, sold in 2024 for $37.1 million to a new owner planning upgrades. Antelope Island State Park, the largest island in the Great Salt Lake with its bison herd, is 15 to 20 minutes west by causeway. The Kenley Amphitheater at Layton Commons Park hosts the Davis Arts Council's summer concert series, and the Layton Utah Temple, 87,000 square feet on Oak Hills Drive, opened this decade. Healthcare runs deep for a suburb: Davis Hospital with 220 beds, Intermountain Layton Hospital, and the Tanner Clinic with more than 100 physicians.
New roads, new rooftops, steady values
Layton grew from 82,101 people at the 2020 census to roughly 86,000 by 2026, and the infrastructure has been racing to catch up. The US-89 rebuild, finished in 2023 as UDOT's largest project in a decade, turned nine miles of the east side highway into a freeway with three lanes each way and new interchanges at Oak Hills Drive, Gordon Avenue, and Antelope Drive. The West Davis Corridor opened in January 2024 as a $750 million first phase, with a $225 million extension north under construction from 2026 to 2028. On I-15 itself, the roughly $385 million 1800 North interchange project near Hill AFB wraps in 2027. And FrontRunner's 2X double tracking, built from 2026 to 2029, is set to bring 15 minute peak trains through Layton's station by 2030.
Downtown is changing with it. The Downtown Main Street Layton project is adding 330,000 square feet of mixed use housing and retail near the FrontRunner station, with the Layton Station apartments continuing into a second phase. On the jobs side, East Gate Business Park near Hill AFB is primed for more than a million square feet of new industrial space.
Values have stayed measured through all of it: Zillow's typical Layton home value of $517,482 was up 2.5% year over year in the most recent data, and the June 2026 MLS median sale was about $469,000. One local blog claimed a 19.2% annual jump in late 2025; treat that as an outlier from a single source, the broad data does not support it. Crime is a genuine selling point: total crime runs about 30% below the national average and violent crime 64% below, per 2024 FBI data. This is a steady, safe, supply constrained suburb, not a boomtown, and the numbers behave accordingly.
Appraising a Hill AFB market
Layton is a military market, and military markets have their own rhythm: transfer season demand, government payroll stability, and lenders who expect clean, compliant files.
That is where credentials matter. Apex Appraising is FHA approved, and Weston Groll delivers to the standards those files require. The valuation challenges here are specific: bench homes in Eastridge Park and Rolling Hills need bench comps, not citywide averages, because the east side median runs hundreds of thousands above the core. New construction along the West Davis Corridor has thin resale history and needs an appraiser current on what the SR-177 opening has done to west side land. Townhome communities like Greyhawk trade in their own lane. And the transit oriented product rising around the FrontRunner station is a housing type Layton has barely had before, which means comp selection takes real judgment rather than a template.
Davis County sits squarely in Apex's coverage area up I-15. Whether it's a purchase, refinance, estate, divorce, or PMI removal, a Layton appraisal from Apex comes with the base, the bench, and the corridor priced in, delivered on time, every time: 100% on time in 2025, under five days on average in 2026, UAD 3.6 ready, FHA approved.
Questions people ask us in Davis County
What is my house worth in Layton?
Zillow put the typical Layton home value at $517,482 in early 2026, up 2.5% over the year, with the east bench running far above that and west side new construction below it. An online estimate is a starting point; a certified appraisal is an inspected, defensible value that lenders, courts, and the IRS accept. Call (801) 403-7723 for a value you can act on.
What is the FHA loan limit in Davis County?
The 2026 FHA loan limit for a single family home in Davis County is $744,050. FHA loans require an appraisal by an FHA approved appraiser. Weston Groll is FHA approved and handles FHA purchase and refinance appraisals throughout Layton.
Do I need an appraisal to refinance?
Usually yes. Most lenders require a current appraisal to confirm value before approving a refinance, though some loans qualify for a waiver. If your home has gained value, an accurate appraisal can strengthen your loan terms and can also be the key to dropping mortgage insurance.
How do I prepare for a home appraisal?
Make every room accessible, tidy up, and write down recent improvements with dates and costs. Small repairs help the picture the report paints. The appraiser measures the whole home, so clear access to every level, the garage, and any outbuildings speeds the visit.