Assumable Homes for Sale in Centerville, Utah

Centerville sits on the Davis County bench between Bountiful and Farmington, about 15 minutes north of downtown Salt Lake City and 20 minutes from the SLC airport via I-15 or Legacy Parkway. It's a quieter, established community of roughly 17,000, with the Wasatch rising sharply to the east and the Great Salt Lake to the west — meaning west-side homes often catch lake sunsets while east-side properties sit closer to Centerville Canyon trailheads. The Davis School District serves the area (Centerville Elementary, Centennial Junior High, Viewmont High), and many residents commute to Hill Air Force Base, the U, or downtown SLC. Median home prices have generally tracked in the $550K–$750K range, with older brick ramblers along Main Street, mid-century homes near Founders Park, and newer builds up on the bench off Pages Lane.

Assumable financing matters here because a meaningful share of Centerville's housing stock turned over or refinanced during the 2020–2021 window, when FHA and VA rates dropped into the 2s and low 3s. Taking over one of those loans — instead of financing at today's rates — can mean hundreds of dollars a month in savings on the same house, which is significant in a market where bench-side properties and updated ramblers don't come cheap. Assumptions take longer to close and require qualifying with the existing servicer, but for buyers planning to stay put, the math often pencils out. Browse the active assumable listings below, and reach out if you'd like help running the numbers on a specific property.