Discover how Utah’s 2025 cost of living stacks up. From housing to groceries, we break down what to expect if you’re moving to Daybreak.
Utah is an outdoor lover’s dream, being home to lush forests, dramatic deserts, the perfect snow for skiing, and a smorgasbord of attractions that bring people together. But, what really makes this state special is the fact that it’s an economic powerhouse, with industries that range from manufacturing and agriculture to information technology and finance.
Is Utah an Affordable Place to Live in 2025?
Utah continues to attract new residents with its strong economy, outdoor lifestyle, and relatively affordable living compared to many coastal states. As of April 2025, updated cost-of-living data shows that Utah remains competitively priced across key categories like housing, transportation, and groceries.
Utah is one of the few states that continues to enjoy a low unemployment rate, property taxes are low, sales taxes are reasonable and buying your first home in Utah is simpler than ever thanks to favorable financing options.
So if you’re thinking of moving to Utah but want to know how it compares to your state, you’ve come to your place. After all, comparing states against one another can provide important insight for anyone looking for a new lease on life. Keep reading below for the complete Costs of Living in Utah (vs your State) Ultimate Guide.
Cost of Living in Utah vs California
Utah remains a much more affordable place to live than California in 2025. Utah’s overall cost of living index is approximately 95.8, well below California’s index of 139.8, one of the highest in the nation.
In Salt Lake City, the median home price is $569,455 compared to $978,157 in Los Angeles. Renting a two-bedroom apartment in Utah averages $1,700, while in California, similar units typically cost around $2,500 or more.
Gas prices in California also top the charts, contributing to a much higher transportation index. In contrast, Utah’s relatively low gas and insurance rates keep transportation costs in check.
California’s higher taxes also factor in. As a high-income state, California imposes steeper income and property taxes. Utah, by comparison, offers a more tax-friendly environment for individuals and families.
Cost of Living in Utah vs Arizona
While both Utah and Arizona are popular relocation states, Utah edges out in affordability.
Arizona has a higher poverty rate (13.1%) compared to Utah’s 8.8%, indicating a greater financial strain for residents (U.S. Census Bureau). Monthly electricity bills average over $160 in Phoenix, whereas Utah residents enjoy significantly lower average utility bills at $74/month.
Housing is also more affordable in Utah, where median home values are about $530,787, while popular Arizona metros like Phoenix exceed $475,000 with faster annual increases. With Utah’s population growth rate at 2.5% (vs Arizona’s 1.6%), the Beehive State also reflects stronger economic vitality.
Cost of Living in Utah vs Florida
Despite Florida’s reputation for local agriculture, groceries remain higher in cities like Miami compared to Utah.
The average Utahn spends just over $566/month on groceries keeping the state among the top five most affordable states for food shopping. Florida, on the other hand, has a higher transportation index of 101, due to high auto insurance rates and commuter lifestyles.
Housing also favors Utah. Utah’s housing index is 97.6, just under the national average, while Florida’s surpasses 102, with home prices in desirable areas like Tampa and Orlando outpacing Utah’s growth (Numbeo).
Cost of Living in Utah vs Hawaii
Hawaii remains the most expensive U.S. state by far in 2025, with a cost-of-living index nearing 190. In contrast, Utah’s cost of living remains manageable at 95.8.
A two-bedroom rental in Hawaii averages $2,700/month compared to under $2,000 in Utah. The median home price in Hawaii exceeds $890,000 more than 60% higher than in Salt Lake City.
Hawaii’s high excise taxes and remote geography significantly increase the price of everyday goods. Additionally, Hawaii’s housing index is 313, nearly three times that of Utah’s.
Cost of Living in Utah vs Oregon
Oregon is another state where day-to-day life can be surprisingly expensive. While median rent in Oregon is around $1,700/month Utah keeps that cost closer to $1,500/month for similar spaces.
Utilities are notably cheaper in Utah. The average electric bill in Utah is $74, while Oregon residents pay just over $100/month. Oregon’s high gas prices also push up its transportation index, leading to an inflated overall cost of living.
In purchasing power terms, a dollar goes further in Utah ($1.03) than in Oregon ($1.00).
Cost of Living in Utah vs Colorado
Colorado is another high-growth western state that trails Utah in affordability.
Living in Salt Lake City is about 15% cheaper than living in Denver across most categories. Housing in SLC is 18% more affordable, food is 5% cheaper, and transportation costs are 20% lower.
The average monthly household expenses in Colorado hover around $2,100, while Utah households spend closer to $1,800/month. Colorado’s higher taxes and utility rates also contribute to the gap.
Cost of Living in Utah vs Texas
Texas may boast a strong job market and a reputation for business-friendly policies, but when it comes to affordability, Utah still takes the lead in 2025.
Cost-of-living data shows that Texas is about 1.5% more expensive to live in overall. Childcare costs are roughly 7.5% higher in Texas, and residents also spend more on sports, entertainment, and groceries. For instance, milk costs 10% more and cheese 6.5% more on average in Texas compared to Utah.
Innovation-wise, Utah ranks 1st in the nation for innovation potential, thanks in part to the booming tech scene in Salt Lake City. Texas falls lower at 22nd in the same ranking.
When it comes to housing, average rent for a two-bedroom in Dallas is $1,304, while Salt Lake City averages around $1,265, making Utah slightly more affordable for renters.
General Questions & Answers (2025 Update)
How much money do you need to live comfortably in Utah?
According to LivingCost.org and Numbeo, a family of four in Utah now needs approximately $83,000–$86,000 per year to live comfortably in 2025, depending on lifestyle and location. In Salt Lake City, for example, the average monthly cost for a family of four (including rent) is about $4,640, while for an individual it’s around $2,043.
Why is Utah so affordable?
Utah’s affordability stems from several key factors:
- A cost of living index of about 95.8, below the national average (Numbeo).
- Abundant suburban and rural land availability, which keeps housing supply relatively stable.
- A strong and diverse economy with low unemployment, particularly in tech-centric areas like the Silicon Slopes.
These factors combined help residents enjoy a high quality of life without the high costs seen in many major coastal metros. Utah’s affordability is amplified by communities like Daybreak. Discover the benefits of living in a master-planned community, where thoughtful design meets long-term value.
What part of Utah is the cheapest to live?
Generally, rural and smaller cities in Utah offer the lowest cost of living. Some of the most affordable cities in 2025 include:
- Price
- Vernal
- Richfield
These areas have significantly lower housing costs and average household expenses compared to Salt Lake City or Provo.
Is it worth it to move to Utah?
That depends on your lifestyle and priorities. Utah offers:
- World-class access to outdoor recreation (skiing, hiking, national parks).
- A thriving job market with a low unemployment rate of 2.8% (BLS).
- A reputation for safety and family-friendliness.
If you value outdoor living, affordability, and a strong community feel, Utah may be well worth considering.
What are the pros of moving to Utah?
Some of the top reasons to consider moving to Utah include:
- Lower cost of living relative to other fast-growing states (Numbeo).
- A booming tech scene in the Silicon Slopes.
- Proximity to natural wonders and national parks.
- Strong educational systems and low crime rates.
For a deeper dive, check out our full guide: 20 Things to Know About Moving to Utah.
Want to live in a walkable, urban-style neighborhood within reach of the Wasatch Front?
Explore Downtown Daybreak—Utah’s newest urban center, blending retail, housing, and open space in the heart of Daybreak.
Final Words…
As you can see, you can’t beat the price of living in Utah. It’s a great place for families, young adults, and retirees alike. Whether it’s job growth, housing opportunities or economic stability, Utah ranks first in all categories.
Of course, there are many other reasons to live in Utah besides that, such as the fact that it’s one of the most beautiful states. No matter where you are Utah, you always have the amazing view of the mountains at your beck and call, and if you want to camp, bike, ride a motorcycle, golf, or ski-it’s all available to you.
Are you ready to take the leap? To help narrow your home search, take a look at our guide to the best neighborhoods in South Jordan, including Daybreak—a standout for affordability, walkability, and amenities. You can even take a virtual tour of homes in Daybreak to explore what life could look like in one of Utah’s most innovative master-planned communities. Don’t miss our Planning Your Move to Utah Checklist—a step-by-step guide to relocating smoothly and confidently.
