January 2026 opened with the highest mortgage rates since mid-2023, creating a buyer's window that savvy purchasers are capitalizing on. With 42 days on market in Davis County and sellers motivated after the holiday season, negotiating power is at a 5-year high. VA loan buyers near Hill AFB are particularly well-positioned — no down payment requirement eliminates the biggest barrier at current rates.
42 days on market in Davis County — most negotiating power since 2019
6.91% mortgage rate — highest since mid-2023, but VA buyers unaffected
Sellers motivated post-holidays — price reductions at 5-year high
Davis County median $540K — up just 1.5% YoY, real affordability improvement
VA loan buyers near Hill AFB have strongest buying position in years
New construction incentives from builders — rate buydowns common
| City | Median Price | YoY Change | Days on Market |
|---|---|---|---|
| Farmington | $548,000 | +1.8% | 38 days |
| Kaysville | $635,000 | +1.2% | 35 days |
| Layton | $492,000 | +0.8% | 45 days |
| Clearfield | $408,000 | +2.9% | 30 days |
| Clinton | $422,000 | +2.6% | 33 days |
| Syracuse | $472,000 | +2.1% | 38 days |
| Bountiful | $525,000 | +0.7% | 48 days |
| Ogden | $360,000 | +3.8% | 40 days |
Sources: Zillow, Redfin, WFRMLS. Data reflects median sold prices for the month. YoY = year-over-year.
Dr. Haws can translate these numbers into a personalized strategy — whether you're buying, selling, or just watching the market.