Cost of Living in Utah: Cities Where Household Expenses are Highest and Lowest in 2024
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 $2,290 in monthly expenses. doxoINSIGHTS compares the cost of the ten most common household bills across different regions. This includes Utilities, Cable & Phone, 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 15th most expensive state in the US for household bills
According to doxo’s COBI report, Utah is ranked as the 15th most expensive state in the U.S. for household bills, making it the least expensive state for these expenses.
At $27,480 per year, Utah’s household expenses, on average, are 8% higher than the US average of $25,513.
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 31% 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 average and then, states, counties and cities are assigned a number, either above or below 100, based on how they compare to the national average. The COBI for Utah is 108.
- Average Bill Cost per Household: $2,290 per month
- Cost of Bills Index(COBI): 108
- doxoINSIGHTS State Rank: #15
- Percent of Household Income Used for Bills: 31%
- Compared to the National Average: 8% higher
Utah Household Expenses are 8% Higher Than the National Average
The average Utah household pays $2,290 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 average monthly payment for alarm and security bills in Utah is $72, compared to the national average of $85, making it 17% lower than average.
Monthly mortgage bills are the most significant of the 10 most common bills for Utah residents. The average monthly mortgage payment is $1,599, compared to the national average of $1,402, making it 13% more expensive.
Average Utah Household Bill Spending
| Bill Category | Average Utah Monthly Bill | National Average Monthly Bill | Utah Percent +/- National Average |
| Mortgage | $1,599 | $1,402 | 13% higher |
| Rent | $1,311 | $1,300 | 1% higher |
| Auto Loan | $563 | $496 | 13% higher |
| Utilities | $315 | $362 | 14% lower |
| Auto Insurance | $212 | $209 | 1% higher |
| Health Insurance | $118 | $114 | 3% higher |
| Mobile Phone | $122 | $121 | 1% lower |
| Cable & Internet | $136 | $122 | 11% higher |
| Life Insurance | $92 | $87 | 6% higher |
| Alarm & Security | $72 | $85 | 16% lower |
| Total | $2,290 | $2,126 | 8% higher |
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 an average of $2,936 per month. The Cost of Bills Index (COBI) for Park City is 138, meaning the average cost of bills in this city is 38% higher than the national average.
In proportion to household income, monthly bills in Park City makeup 24% of the average annual household income of $147,437.
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 | City | Average Income | Monthly Bill Expenses Per Household | Cost of Bills Index (COBI) – Standard | % +/- Than the National Average | Percent of Household Income Used for Bills |
| 1 | Park City | $147,437 | $2,936 | 138 | 38% higher | 24% |
| 2 | Orem | $76,273 | $2,877 | 135 | 35% higher | 45% |
| 3 | Saratoga Springs | $117,314 | $2,841 | 134 | 34% higher | 29% |
| 4 | Draper | $126,041 | $2,800 | 132 | 32% higher | 27% |
| 5 | Vineyard | $95,682 | $2,784 | 131 | 31% higher | 35% |
| 6 | Lehi | $117,071 | $2,767 | 130 | 30% higher | 28% |
| 7 | South Jordan | $120,277 | $2,761 | 130 | 30% higher | 28% |
| 8 | North Salt Lake | $94,802 | $2,715 | 128 | 28% higher | 34% |
| 9 | Kaysville | $121,617 | $2,697 | 127 | 27% higher | 27% |
| 10 | Riverton | $119,649 | $2,662 | 125 | 25% higher | 27% |
Bringham City Has the Lowest Cost of Living in Utah for Household Bills
Out of 45 cities, Bringham City is the most affordable place in Utah, with residents paying $1,742 on average for household bills, accounting for 29% of annual income of $72,407. The Cost of Bills Index (COBI) for Bringham City is 82, meaning the average cost of bills in this city is 18% below the national average.
Price is the second most affordable city in Utah, with residents paying $1,798 per month on average.
Also on the list of the 10 least expensive cities in Utah are Cedar City ($1,876), Vernal ($1,881) and Moab ($1,893).
10 Most Affordable Utah Cities for Household Bills
| Rank | City | Average Income | Monthly Bill Expense Per Household | Cost of Bills Index (COBI) – Standard | % +/- Than the National Average | Percent of Household Income Used for Bills |
| 36 | Washington | $93,578 | $2,116 | 100 | The same | 27% |
| 37 | West Valley City | $79,807 | $2,044 | 96 | 4% lower | 31% |
| 38 | Tremonton | $69,135 | $2,005 | 94 | 6% lower | 35% |
| 39 | Logan | $60,853 | $1,918 | 90 | 10% lower | 38% |
| 40 | Payson | $90,774 | $1,896 | 89 | 11% lower | 25% |
| 41 | Moab | $60,029 | $1,893 | 89 | 11% lower | 38% |
| 42 | Vernal | $70,694 | $1,881 | 88 | 12% lower | 32% |
| 43 | Cedar City | $66,073 | $1,876 | 88 | 12% lower | 34% |
| 44 | Price | $52,772 | $1,798 | 85 | 15% lower | 41% |
| 45 | Bringham City | $72,407 | $1,742 | 82 | 18% lower | 29% |
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.