Cost of Living in Utah: Cities Where Household Expenses are Highest and Lowest in 2025
What is the cost of living in Utah? doxo breaks down key insights about Utah’s household expenses, with a close look into how bills differ between towns and cities across the state.
According to doxo’s The Cost of Bills Index™ (COBI), the average household in Utah pays $2,070 in monthly expenses. doxoINSIGHTS compares the cost of the ten most common household bills across different regions. This includes Utilities, Cable & Internet, Mobile Phone, Auto Loans, Auto Insurance, Life Insurance, Health Insurance, Alarm & Security, Rent, and Mortgage.
The data sheds light on Utah’s cost of living through other metrics as well. For example, the “percent of household income” data point shows what percentage of their household income residents spend on bills each month.
By leveraging these tools, residents can gain a clearer understanding of their household expenses and optimize their financial planning.
Utah ranks as the 16th most expensive state in the US for household bills
According to doxo’s COBI report, Utah is ranked as the 16th most expensive state in the U.S. for household bills.
At $24,840 per year, Utah’s household expenses, on average, are 1% higher than the US median of $24,695.
Absolute dollar amounts don’t tell the full story, however. doxo’s “Percentage of Household Income” data provides a more proportional look at bill spending in a particular location. Utah households spend 26% of their income on bills.
COBI helps consumers understand how much it costs to live in one area as compared to another as it relates to the most common household bills. For COBI, the number 100 represents the national median and then, states, counties and cities are assigned a number, either above or below 100, based on how they compare to the national median. The COBI for Utah is 101.
- Median Bill Cost per Household: $2,070 per month
- Cost of Bills Index(COBI): 101
- doxoINSIGHTS State Rank: #16
- Percent of Household Income Used for Bills: 26%
- Compared to the National Median: 1% higher
Utah Household Expenses are 1% Higher Than the National Median
The average Utah household pays $2,070 per month in the 10 most common household bills. The least expensive of these are alarm and security bills.
On the lowest end of the spectrum, the median monthly payment for alarm and security bills in Utah is $99, compared to the national median of $74, making it 34% higher than the national median.
Monthly mortgage bills are the most significant of the 10 most common bills for Utah residents. The median monthly mortgage payment is $1,725, compared to the national median of $1,775, making it 3% less expensive.
Median Utah Household Bill Spending
| Bill Category | Median Utah Monthly Bill | National Median Monthly Bill | Utah Percent +/- National Median ($2,126) |
| Mortgage | $1,725 | $1,775 | 3% lower |
| Rent | $1,414 | $1,453 | 3% lower |
| Auto Loan | $484 | $470 | 3% higher |
| Auto Insurance | $113 | $105 | 8% higher |
| Health Insurance | $78 | $72 | 8% higher |
| Mobile Phone | $94 | $96 | 2% lower |
| Cable & Internet | $117 | $121 | 3% lower |
| Life Insurance | $63 | $60 | 5% higher |
| Alarm & Security | $99 | $74 | 34% higher |
| Total | $2,070 | $2,065 | 1% higher |
*Household Bill Pay Expense medians shown above reflect the ten most common bills paid, including housing (rent/mortgage).
Park City has the highest cost of living in Utah for household bills
Residents of Park City pay the highest household bills in the state of Utah, at a median of $2,878 per month. The Cost of Bills Index (COBI) for Park City is 139, meaning the median cost of bills in this city is 39% higher than the national median.
In proportion to household income, monthly bills in Park City make up 22% of the median annual household income of $158,330.
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.
5 Most Expensive Utah Cities for Household Bills
| Rank | City | Median Income | Monthly Bill Expenses Per Household | Cost of Bills Index (COBI) – Standard | % +/- Than the National Median | Percent of Household Income Used for Bills |
| 1 | Park City | $158,330 | $2,878 | 139 | 39% higher | 22% |
| 2 | Midway | $140,500 | $2,753 | 133 | 33% higher | 24% |
| 3 | Hill Air Force Base | $68,853 | $2,602 | 126 | 26% higher | 45% |
| 4 | Saratoga Springs | $123,870 | $2,592 | 125 | 25% higher | 25% |
| 5 | Draper | $130,680 | $2,585 | 125 | 25% higher | 24% |
*Household Bill Pay Expense medians shown above reflect the ten most common bills paid, including housing (rent/mortgage).
Garrison has the lowest cost of living in Utah for household bills
Garrison is the most affordable place in Utah, with residents paying $830 on average for household bills, accounting for 10% of annual income of $103,750. The Cost of Bills Index (COBI) for Garrison is 40, meaning the median cost of bills in this city is 60% below the national median.
La Sal is the second most affordable city in Utah, with residents paying $831 per month on average.
Also on the list of the 5 least expensive cities in Utah are Greenwich ($831), Lake Powell ($831) and Axtell ($831).
5 Most Affordable Utah Cities for Household Bills
| Rank | City | Median Income | Monthly Bill Expense Per Household | Cost of Bills Index (COBI) – Standard | % +/- Than the National Median | Percent of Household Income Used for Bills |
| 1 | Garrison | $103,750 | $830 | 40 | 60% lower | 10% |
| 2 | La Sal | $33,980 | $831 | 40 | 60% lower | 29% |
| 3 | Greenwich | $27,750 | $831 | 40 | 60% lower | 36% |
| 4 | Lake Powell | $62,015 | $831 | 40 | 60% lower | 16% |
| 5 | Axtell | $83,281 | $831 | 40 | 60% lower | 12% |
*Household Bill Pay Expense medians shown above reflect the ten most common bills paid, including housing (rent/mortgage).
Some individuals might be considering moving from a more expensive city to a less expensive one. For those making such decisions, doxoINSIGHTS can be a valuable resource. It allows consumers to compare household expenses in Utah with average bills in various cities and states nationwide.