Utah’s got it all—epic landscapes, thriving cities, and enough outdoor charm to fill a national park (or five). From Salt Lake City’s bustling urban vibes to Moab’s red rock wonderland, it’s easy to see why people are flocking to the Beehive State. But with all that buzz comes a rising cost of living in Utah. Whether you’re planning to settle in one of Utah’s cozy suburbs or aiming for city life in a modern Salt Lake City home, let’s break down what it costs to call this place home.
Housing costs: Median home prices and average rent in Utah
Housing costs are a significant part of the cost of living in Utah, where the average rent of $1,560 is just below the national average, $1,645. Popular areas like Salt Lake City and resort towns come with higher price tags, while more affordable housing can be found in many surrounding cities and smaller towns. Utah’s housing market offers a mix of price points, allowing residents to find options that suit a range of budgets, whether close to urban centers or in quieter communities.
UT housing costs: Average rents and median home sale prices
| City in Utah | 1 Bed Avg. Rent | 2 Bed Avg. Rent | Median Home Sale Price |
| National Average | $1,495 | $1,725 | $439,000 |
| Layton | $1,370 | $1,590 | $481,500 |
| Logan | $1,415 | $1,610 | $380,000 |
| Ogden | $1,350 | $1,640 | $378,000 |
| Orem | $1,385 | $1,500 | $508,500 |
| Park City | $1,800 | N/A | $1,620,000 |
| Provo | $1,435 | $1,840 | $408,700 |
| Salt Lake City | $1,490 | $1,890 | $532,000 |
| St. George | $1,890 | $1,670 | $530,000 |
| West Haven | $1,265 | $1,515 | $543,000 |
| West Valley City | $1,370 | $1,580 | $460,000 |
Housing costs in popular cities in Utah
Salt Lake City
As the heart of Utah’s metropolitan life, Salt Lake City combines urban vibrancy with mountain views but comes at a price. With one-bedroom rents averaging $1,490 and two-bedrooms around $1,890, Salt Lake’s housing costs are higher than the state’s average rent of $1,560. This is especially noticeable in the price of homes for sale in Salt Lake City, with the median at $532,000—well above the national average of $439,000. While Salt Lake is a draw for both tech and outdoor enthusiasts, its popularity contributes to higher costs, making it one of Utah’s priciest cities.
Provo
Known for its academic and tech-driven energy, Provo offers a somewhat more affordable lifestyle compared to Salt Lake City. Here, a one-bedroom apartment averages around $1,435, while a two-bedroom goes for about $1,840, placing it just under Salt Lake’s rates. Homebuyers can expect median prices near $408,700, making Provo an attractive option for those seeking a bustling yet budget-friendly city in Utah. Provo’s appeal and lower-than-average home prices provide a valuable balance in the cost of living in Utah.
Ogden
Ogden brings a mix of historic charm and affordability to the table, particularly when it comes to housing. A one-bedroom apartment rents for around $1,350, while a two-bedroom costs approximately $1,640, which falls below both the average rent in Utah and national rent averages. The prices of homes in Ogden are also favorable, with a median of $378,000, making it one of the more affordable places to buy a home in Utah.
St. George
Located in Utah’s scenic southwest, St. George draws residents with its desert beauty and warmer climate, though at a price. With average rents at $1,890 for a one-bedroom apartment, St. George is much pricier than the average rent in Utah. The median home price here reaches $530,000, reflecting high demand for its unique setting and proximity to national parks. Although it’s on the higher end of the cost of living spectrum in Utah, St. George appeals to those seeking a picturesque location with ample outdoor recreation.
Utility costs in Utah
When it comes to utilities, Utah offers a relatively favorable landscape for residents, with costs that typically fall below the national average. Factors such as Utah’s moderate climate and abundant natural resources help keep utility expenses manageable. Additionally, many residents take advantage of the state’s commitment to renewable energy, further contributing to lower utility costs over time. While utility costs can vary based on the season and individual consumption habits, Utah’s overall affordability in this area is a welcome relief for those navigating the broader cost of living in Utah.
Utility bill comparisons: Utah cities vs. nationwide average
| Monthly Energy Bill | Monthly Phone Bill | Comparison to National Avg. | |
| National Average | $200.07 | $193.54 | |
| Cedar City | $176.31 | $192.82 | -7% less |
| Ogden | $181.42 | $194.11 | -6% less |
| Provo | $174.88 | $194.11 | -8% less |
| Salt Lake City | $177.24 | $193.47 | -7% less |
| St. George | $205.84 | $193.52 | +2% more |
Groceries in Utah are generally more affordable than nationwide costs
Grocery costs in Utah present a pleasant surprise for residents navigating the state’s overall cost of living. On average, monthly grocery expenses in Utah are approximately 20% lower than the national average, allowing residents to fill their carts without breaking the bank. This affordability is especially appealing for families and individuals looking to maximize their budgets while enjoying a range of fresh, locally sourced options. Even in Utah’s pricier areas, like Salt Lake City, grocery prices are on par or just below nationwide prices. For instance, one gallon of milk costs $4.68 on average nationwide and costs $4.60 in SLC. One dozen eggs costs about $3.47 on average across the U.S., and costs slightly less in Salt Lake City at $3.20.
Transportation costs in Utah
When considering the cost of living in Utah, transportation expenses are an important factor. Gas prices average $3.27 per gallon, slightly higher than the current national average of $3.10, which can impact your monthly budget. Car owners also need to account for annual vehicle registration fees, which vary based on the vehicle’s weight and age, as well as maintenance costs that can fluctuate with the state’s diverse weather conditions. While tolls are not widespread, they do exist in some high-traffic areas around Salt Lake City, adding another layer to the transportation budget. Additionally, auto insurance rates in Utah hover around the national average, depending on your location and vehicle type. For those looking to cut costs, the Utah Transit Authority (UTA) offers an extensive public transportation network, including buses, light rail (TRAX), and commuter rail (FrontRunner), making commuting more affordable. UTA’s Ski Bus service during winter also provides a cost-effective way to reach mountain resorts. While owning a car in Utah comes with its share of expenses, the public transit options available can help alleviate some of the financial burden.
Healthcare costs in Utah
Healthcare costs in Utah can vary depending on your personal needs, coverage, and where you live in the state. On average, you’ll find that medical services in Utah are somewhat more affordable than the national average, but this can differ based on location and the specific type of care you need. For example, the national average for a dentist visit is about $115.50, but in Ogden, it’s a bit lower at $103.14, while in Salt Lake City, it’s about $105.51. For a doctor’s visit, the national average is $140.46, but in Ogden, you’re looking at around $121.99, while in Salt Lake City, it’s closer to $130. These differences highlight how local factors can influence healthcare pricing, so it’s important to shop around for both insurance and medical services depending on your area. While Utah tends to offer more affordable options than many other states, it’s still essential to consider personal health needs and coverage when budgeting for medical expenses.
Taxes can impact the overall cost of living in Utah
When evaluating the cost of living in Utah, it’s essential to consider the state’s tax structure, which has implications for residents’ overall expenses. Utah has a flat income tax rate of 4.85%, which is competitive compared to many states and can be advantageous for those with higher incomes. Additionally, the state imposes a sales tax rate of 4.85%, with local jurisdictions able to add their own taxes, bringing the total combined sales tax to an average of around 7.25%. This sales tax affects the cost of everyday purchases, contributing to overall living expenses. When compared to the average combined tax rate across the U.S., which falls between 5% and 7%, sales tax here is slightly higher. Property taxes in Utah are relatively low, with an effective rate of 0.48%, making homeownership more attainable compared to states with higher property tax burdens. Together, these tax factors shape the financial landscape in Utah, influencing everything from housing affordability to the cost of goods and services, ultimately affecting residents’ disposable income.
How much do I need to earn to live in Utah?
To live comfortably in Utah, it’s helpful to consider the 30% rule, which suggests that no more than 30% of your gross monthly income should go toward housing costs. With the average rent in Utah currently at $1,560, this means you’d need a monthly income of at least $5,200, translating to an annual salary of around $62,400. If you opt for a more affordable city like Ogden, where the average rent for a one-bedroom apartment is $1,350, you would only need to earn approximately $4,500 monthly, or about $54,000 annually, to stay within the 30% guideline. On the other hand, if you’re looking to live in St. George, where rent for a one-bedroom averages $1,890, your required monthly income jumps to $6,300, or about $75,600 annually. This highlights how location within the state can significantly impact the income needed for a comfortable lifestyle and the overall cost of living in Utah, making it essential for prospective residents to weigh their options carefully.
Methodology
Average 1-bedroom and 2-bedroom rent sourced from Rent. Median home sale price, state average monthly rent, national rent prices, and cost of living data sourced from Redfin.
