A Breakdown of the Cost of Living in Utah
- Housing in Utah is 11% higher than the national average of $367,969. The average home price in Utah is 592,476.00. That means a 20% down payment will set you back over $107,000, and that's before you factor in closing costs, inspections, and other fees. Monthly mortgage payments are also on the higher end, especially in fast-growing cities like Salt Lake City, Lehi, and St. George, where demand continues to outpace housing supply.
- Utilities in Utah cost 13% lower than the national average. This includes electricity, heating, water, and trash. Internet averages 197.59 per month, and HOA fees range from $150 to $300, depending on the property type. Disaster-related insurance costs are low, as the state isn't prone to hurricanes or tornadoes.
- Food prices in Utah are 1% lower than the national average. A family of four can expect to spend between $1,000 and $1,200 per month on groceries, while a single adult spends between $250 and $300. Staples include milk at 4.77 per gallon, eggs at 4.37 per dozen, bread at 3.85 per loaf, and chicken at 1.51 per pound. Local farmers' markets often offer better prices on fresh produce.
- Transportation costs are 1.36% lower than the national average. The average cost of gas in Utah is |*gasoline*| per gallon, and monthly car insurance premiums are about $165. Public transportation, including UTA buses and TRAX light rail, is mainly available in the Salt Lake metro area. In most cities and towns, though, residents rely heavily on personal vehicles, which adds seasonal costs like winter tires and snow maintenance.
- Healthcare in Utah is 11.64% lower than the national average. A standard doctor's visit costs about 144.36, and dental cleanings fall between $100 and $250. Emergency room visits average $2,700 without insurance. Utah's lower healthcare costs are driven in part by the state's younger population and high rates of physical activity.
- Miscellaneous expenses in Utah are 3.87% lower than the national average. Gym memberships range from $10 to $30 per month. Entertainment options are affordable, with movie tickets at 11.64, and low-cost access to national parks across the state. Childcare remains one of the higher variable costs, with full-time daycare ranging from $800 to $1,200 per month, depending on the location and age group.
Moving to Utah? You’ll find lower housing costs than coastal states—but fast-growing cities can still stretch your budget. The trade-off? Stunning landscapes and a high quality of life.
👉 Next Step: Compare single-family homes in Utah.
Cost of living data is sourced in part from the Council for Community and Economic Research (C2ER). Figures are provided for informational purposes only and may not reflect real-time changes.
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Browse Homes For Sale in UtahIs Living in Utah Expensive?
With a budget of $592,476.00, you can find a modern three-bedroom home in suburban areas like West Jordan or Lehi. That same amount might only get you a smaller condo in San Diego or a starter home in Denver. Other costs (like groceries, utilities, and transportation) are mostly on par with national norms, but small increases in categories like healthcare and goods & services can still add up.
Housing in Utah
Utilities in Utah
Food and Groceries in Utah
Transportation in Utah
Healthcare in Utah
Miscellaneous Costs in Utah
What Salary Do You Need to Live in Utah?
- Homeowners spend $101,208.00 per year: This includes mortgage payments, property taxes, insurance, maintenance, groceries, utilities, and transportation. Homeownership costs are higher in cities where demand outpaces supply.
- Renters spend $53,286.00 per year: Monthly rent, utilities, food, gas, and basic lifestyle expenses account for most of the cost. This figure assumes a one- to two-bedroom unit in a moderately-priced neighborhood.
- Families with kids spend $103,498.00 per year: Add in childcare, a larger home, health insurance, school activities, and higher grocery bills, and expenses can skyrocket, especially for households with two or more children.
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Data provided by Redfin, a national real estate brokerage.



