Where Utah’s Household Expenses are the Highest in 2022

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How does living in the Beehive state affect your wallet? doxo breaks down key insights about Utah’s household expenses, with a close eye to how bills differ in towns and cities across the state. The average household in Utah, doxo’s data reveals, pays $1,910 in bills per month.

doxo’s data also has infographics for 37 cities and towns across Utah, breaking down localized bill pay data figures as well. The state-wide rankings for most and least expensive cities provide insight into cost of living in Utah and how it changes according to location.

The data sheds light on Utah’s cost of living through other metrics, too. For example, the “percent of household income” data point shows what percentage of household income local residents spend on bills. doxo’s data also indicates how much more or less expensive specific cities are than the national and state average.

Utah residents pay $1,910 in household bills a month

The average Utah household pays $1,910 a month for the 10 most common household bills. This figure takes into account the 10 most common household bills, which are: Mortgage; Rent; Auto Loan; Utilities (electric, gas, water & sewer, and waste & recycling); Auto Insurance; Cable & Internet & Phone, Health Insurance (consumer paid portion); Mobile Phone; Alarm & Security; and Life Insurance.

Utah residents, overall, get a good deal on their bills: the state ranks 26th out of 50 states in terms of average monthly spending. Wisconsin ranks 25th, with annual monthly expenses of $1,915, and Vermont ranks 27th, at $1,883.

Utah’s household expenses, on average, are 4.6% lower than the national average of $2,003.

Absolute dollar amounts don’t tell the full story, however. The “percentage of household income” metric provides a more proportional look at bill spending in a particular location. Utah households spend 33% of their income on household bills. For example, Connecticut is the 6th most expensive state and New York is the 7th most expensive, but New York residents spend 39% of their income on bills, while Connecticut residents spend only 35%. 

Annually, Utah residents pay $20 billion in household bills. See more data about bill pay in Utah by clicking on the infographic link below.

Data: doxoINSIGHTS’ bill pay infographic about Utah

  • Average Bill Cost per HH: $1,910 per month
  • State Bill Pay Market Size: $20 billion
  • doxoINSIGHTS State Rank: 26 out of 50
  • Percent of HHI Used for Bills: 33%
  • Difference from the National Average: 4.6% lower

Housing bill category drives Utah’s low monthly bill expenses

The average Utah household pays $1,910 in the 10 most common household bills per month. Rent and mortgage expenses drive savings, with both being considerably lower than the national average. The average mortgage payment in Utah is $1,352, and average rent is $1,043, compared to the national average mortgage bill of $1,368 and rent bill of $1,129.

Other than housing-related expenses, auto insurance are the most significant of the 10 most common bills for residents of Utah. Still, these expenses are still lower than the national average. The average auto insurance bill in Utah is $181 a month, compared to the national average of $196.

Compared to the national average, utilities are also a notably lower expense for residents of Utah. The average household in the state pays $275 a month for utilities, compared to the national average of $328.

Auto insurance is also more affordable in Utah. While US residents on average spend $196 per month on car insurance, in Utah they spend just $181.

Note: Health Insurance and Life Insurance expenses do not account for payments made by employers on behalf of employees. These just include out-of-pocket expenses. Also, the state and national bill totals take into account the percentage of households that pay a bill.

Average Utah Household Bill Spending

Bill Category Average Utah Monthly Bill National Average Monthly Bill Utah Percent +/- National Average ($2,003)
Mortgage $1,352 $1,368 1% lower
Rent $1,043 $1,129 8% lower
Auto Loan $433 $433 0% lower
Utilities $275 $328 18% lower
Auto Insurance $181 $196 8% lower
Cable & Internet $97 $114 16% lower
Health Insurance $113 $123 8% lower
Mobile Phone $110 $113 3% lower
Alarm & Security $63 $84 29% lower
Life Insurance $70 $82 16% lower
Total $1,910 $2,003 4.6% lower

Park City tops the list of most expensive cities for Utah’s household bills

Residents of Park City pay the highest household bills in the state of Utah, at an average of $2,679 per month. Draper comes second in the rankings, with residents paying $2,460 on average per month.

In proportion to household income, however, Park City’s bills are costlier than ones in Draper. While Park City’s monthly bill basket makes up 26% of average household income there, Draper’s bill basket accounts for just 26% of average household income in that area.

Access detailed infographics about each city or town by clicking on the hyperlinks in the “City” column in the tables below. You can also browse doxoINSIGHTS’ regional bill comparison database to see infographics about more than 4,200 cities and towns across all 50 states in the US.

10 Most Expensive Utah Cities for Household Bills

Rank
(1-10 out of 37)
City Monthly Bill Expenses Per Household* Percent of Household Income Used for Bills  
1 Park City $2,679 26%  
2 Draper $2,460 26%  
3 South Jordan $2,448 28%  
4 Herriman $2,445 30%  
Heber City $2,344 37%  
6 Eagle Mountain $2,331 36%  
7 Farmington $2,288 27%  
8 Kaysville $2,271 28%  
9 Riverton $2,208 26%  
10 Syracuse $2,203 28%  

*Household Bill Pay Expense averages shown above reflect the ten most common bills paid, including housing (rent/mortgage).

Logan is the most affordable Utah city for household bills

Out of 37 cities and towns, Logan is the most affordable place in Utah, with residents paying $1,497 on average for household bills. Household bills account for 38% of local income in Logan.

Payson comes in at the second most affordable town or city in Utah, with residents paying $1,629 per month on average.

Also on the list of 10 least expensive cities in Utah are Cedar City ($1,629 per month), Provo ($1,649 per month), and Ogden ($1,695 per month).

10 Most Affordable Utah Cities for Household Bills

Rank
(28-37 out of 37)
City Monthly Bill Expenses Per Household Percent of Household Income Used for Bills
28 West Valley City $1,847 36%
29 Saint George $1,823 40%
30 Salt Lake City $1,813 33%
31 Roy $1,806 32%
32 Vernal $1,728 31%
33 Ogden $1,695 32%
34 Provo $1,649 42%
35 Cedar City $1,629 42%
36 Payson $1,629 29%
37 Logan $1,497 38%

In the wake of the rise of remote work, some individuals may be deciding whether to move from a more expensive city to a less expensive one. doxoINSIGHTS can be a valuable resource for consumers seeking to make key decisions like this, allowing them to compare Utah’s household expenses against average bills in different cities and states across the country. They can also usedoxoINSIGHTS’ regional bill comparison database to compare average costs for over 900 towns and cities across the country.

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