Kaysville sits between Farmington and Layton in Davis County. Here’s how VA and conventional loans work for families in its established neighborhoods, including the Hill AFB commute and 2026 loan limits.
Kaysville sits in the middle of Davis County, between Farmington to the south and Layton to the north. Families come here for established neighborhoods, Davis School District schools and a workable commute to Hill Air Force Base — close enough to reach the gates without living against the fence line.
I am Jimmy Hobson, a loan officer with UMortgage, powered by NEXA Lending. I work from Bountiful with standard VA, FHA and conventional financing, and I help buyers in Kaysville every year who are using a VA benefit for the first time or moving up within Davis County.
Kaysville at a glance
County: Davis County, between Farmington and Layton.
July 1, 2025 Census estimate: 33,307 residents, up 1.0 percent from the April 1, 2020 estimates base of 32,974. The 2020 Census counted 32,945 people.
Public schools: Davis School District. Confirm the elementary, junior high and high school for a specific address with the district, because boundaries do not always follow city limits.
Common ZIP code: 84037 is widely used in Kaysville, but a ZIP code is not a substitute for the city and county on the purchase contract.
Your loan officer: Jimmy Hobson, NMLS 1514540, with an office at 485 North 500 West in Bountiful — a straight drive south on I-15 or US-89.
Kaysville’s recent population change is modest compared with west-Davis and west-Weber growth cities. That is part of the point: this is a settled community more than a subdivision boomtown. The Census Bureau’s 2020–2024 ACS estimates put owner-occupancy at 88.7 percent, the median value of owner-occupied homes at $623,700, persons per household at 3.62 and the share of residents under 18 at 34.9 percent. Median household income in that survey was $133,026. Those housing-value figures are ACS estimates, not today’s list prices, but they describe a largely owner-occupied, family-heavy city with higher typical values than Clinton, West Point or much of south Davis.
Established neighborhoods and a Hill AFB commute
Kaysville climbs from the I-15 corridor up toward the Wasatch foothills. East-side streets tend to feel more established; the west side of town is closer to the West Davis Highway. UDOT’s West Davis Highway (State Route 177) includes an interchange at 200 North in Kaysville, one of six interchanges on the 16-mile highway that opened between Farmington and West Point in 2024. That connection matters if you work or shop on the west side of Davis County, or if you are comparing Kaysville with newer streets farther west in Clinton and West Point.
Hill Air Force Base is the next major landmark north of Layton and Clearfield. The base’s newcomers page says Hill is about 10 minutes south of Ogden and 35 minutes north of Salt Lake City, with I-15 as the main access. From Kaysville you are generally driving north toward Layton and then to the gates: the South Gate on State Highway 193 just east of Clearfield’s I-15 Exit 334, the West Gate east of the Clearfield-Sunset Exit 335, and the Roy Gate at Exit 338. The South and West gates are open 24 hours. That is a shorter daily trip than from Bountiful and south Davis and a longer one than from a street that borders the base in Layton.
Kaysville does not have its own FrontRunner station. Utah Transit Authority lists Farmington Station at 450 North 850 West, just south of town, and Layton Station at 150 South Main Street, just north. If rail is part of a Salt Lake City commute, time the drive to one of those two stops at the hour you would actually travel.
The ACS estimated mean travel time to work at 22.2 minutes in 2020–2024. That is a citywide figure for all workers, not a Hill-specific drive time. If the base is your destination, look up BAH only through the Defense Travel Management Office’s BAH Rate Lookup, then read Using BAH to Buy a Home Near Hill AFB, the Hill AFB VA home loans guide and PCS to Hill AFB.
2026 loan limits in Davis County
Kaysville is in Davis County, so it shares the county’s 2026 figures with Farmington, Layton, Bountiful and the rest of the county.
Conventional (conforming), one unit: $832,750 for 2026, from FHFA’s county file. A loan above that amount is a jumbo loan.
FHA, one unit: HUD publishes a separate FHA maximum for the Ogden metro area that includes Davis County. Published 2026 figures for Davis County are $744,050. Confirm the current number in HUD’s FHA mortgage limits lookup before you rely on it.
VA: There is no VA county loan limit when you have full entitlement. County limits matter if you have used entitlement that has not been restored. See VA Loan Limits Explained.
Because typical owner-occupied values in Kaysville run higher than in some neighboring cities, it is worth checking the loan amount against these limits early — especially on an FHA file, where the FHA maximum is lower than the conforming conventional limit.
Loan programs Kaysville families use
VA loans
If you are eligible, a VA loan can finance a primary residence in Kaysville with no down payment when you have full entitlement and you qualify. There is no monthly mortgage insurance. There is a one-time VA funding fee unless you are exempt. The home has to be your primary residence when you buy and meet VA’s minimum property requirements. That combination is why so many Hill families look at Kaysville: you can use the benefit on an established house without stretching for a brand-new west-side subdivision if that is not what you want. Start with How VA Loans Actually Work in 2026 for entitlement and occupancy.
FHA and conventional loans
FHA loans can allow a lower down payment than many conventional loans — often 3.5 percent down when you qualify — up to the FHA county limit. Conventional financing is a frequent fit for move-up buyers who already have equity in a Davis County home, and some conventional options start at 3 percent down for eligible borrowers. I compare the programs that match your credit, down payment and the house.
Down payment help
Davis County’s homeownership assistance loan, including whether it is currently accepting applications, is explained in Davis County Homeownership Assistance. Statewide Utah Housing Corporation products are in Utah Housing Loans and Down Payment Assistance. The broader first-time buyer path is in the Utah First-Time Home Buyer Guide. I only discuss programs I can actually help you use.
Utah’s disabled-veteran property tax exemption is separate from the mortgage. See Utah Disabled Veteran Property Tax Exemption.
What to know before you buy in Kaysville
Decide whether you want the east bench or the west-side connection. They are the same city with different commutes. The West Davis Highway interchange at 200 North is the west-side hook; I-15 and US-89 handle most north-south trips.
Time FrontRunner from Farmington or Layton. There is no station inside Kaysville.
Compare the next city in each direction. Farmington is immediately south; Layton is immediately north and closer to the base. West Haven is the west-Weber growth alternative if new construction is the priority.
School boundaries need a district check. Do not assume a listing’s city name matches the school you have in mind.
Look up BAH the official way. Use the DTMO BAH Rate Lookup. I do not publish unofficial dollar tables.
VA and PCS questions
Can I use a VA loan in Kaysville?
Yes, if you are eligible and the home will be your primary residence. Kaysville is not a special VA zone. The same entitlement, occupancy, appraisal and credit rules apply here as in the rest of Davis County.
Is Kaysville close enough to Hill AFB for a daily commute?
For many families, yes — you are one city south of Layton, with I-15 and US-89 running north toward the base. It is not the same as living next to a gate in Clearfield or Layton. Drive the trip at your report time before you write an offer.
What if I get PCS orders later?
A VA loan requires you to occupy the home as your primary residence when you buy. Many service members later rent the home after they relocate, but you should plan for occupancy, local rental rules and a payment that still works if BAH changes. See PCS to Hill AFB.
How do Kaysville prices interact with FHA limits?
The 2026 FHA one-unit figure published for Davis County is $744,050, which is below the $832,750 conforming conventional limit. On a higher-priced Kaysville home, that gap can push a file toward conventional or VA instead of FHA. Confirm both official limits before you structure the offer.
Next step
If you want to buy in Kaysville, contact me or use Ask Jimmy. Please do not send pay stubs, tax returns or your Social Security number through the contact form or by email. Related city pages: Clinton and West Point, West Haven, and Bountiful and south Davis.
Sources
FHFA conforming loan limit values for 2026, Davis County one-unit limit of $832,750
UDOT, January 8, 2024: West Davis Highway opening, including the 200 North Kaysville interchange
Utah Transit Authority station addresses (Farmington and Layton FrontRunner)
Sources checked November 11, 2026. Jimmy Hobson, NMLS 1514540, UMortgage, powered by NEXA Lending (NMLS 1660690). Licensed in Utah, Idaho, Nevada, Wyoming, Texas and Oklahoma. This article is general education, not a loan approval, rate quote or commitment to lend. Program rules and loan limits change, and approval depends on full underwriting.
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