2023 Report: Cities in Utah where Household Expenses are Highest and Lowest
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 $2,097 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 $2,097 in household bills a month
The average Utah household pays $2,097 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 19th out of 50 states in terms of average monthly spending. Texas ranks 18th, with annual monthly expenses of $2,110, and Minnesota ranks 20th, at $2,079.
Utah’s household expenses, on average, are 2.5% higher than the national average of $2,046.
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, whereas Mississippi residents, though they live in the second most affordable state for bills, spend 41% of household income on them.
Annually, Utah residents pay $22 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: $2,097 per month
- State Bill Pay Market Size: $22 billion
- doxoINSIGHTS State Rank: 19 out of 50
- Percent of HHI Used for Bills: 33%
- Difference from the National Average: 2.5% higher
Housing bill category drives Utah’s low monthly bill expenses
The average Utah household pays $2,097 in the 10 most common household bills per month. The average mortgage payment in Utah is $1,470, and average rent is $1,181, compared to the national average mortgage bill of $1,321 and rent bill of $1,191.
Other than housing-related expenses, auto loan is the most significant of the 10 most common bills for residents of Utah. These expenses are higher than the national average. The average auto loan bill in Utah is $519 a month, compared to the national average of $467.
Compared to the national average, utilities are also a notably lower expense for residents of Utah. The average household in the state pays $293 a month for utilities, compared to the national average of $351.
Auto insurance is also more affordable in Utah. While US residents on average spend $179 per month on car insurance, in Utah they spend just $207.
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 ($2,046) |
| Mortgage | $1,470 | $1,321 | 11% higher |
| Rent | $1,181 | $1,191 | 1% lower |
| Auto Loan | $519 | $467 | 11% higher |
| Utilities | $293 | $351 | 17% lower |
| Auto Insurance | $179 | $207 | 14% lower |
| Cable & Internet | $102 | $118 | 14% lower |
| Health Insurance | $107 | $120 | 11% lower |
| Mobile Phone | $115 | $119 | 3% lower |
| Alarm & Security | $86 | $84 | 2% higher |
| Life Insurance | $102 | $89 | 15% higher |
| Total | $2,097 | $2,046 | 2.5% higher |
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 $3,106 per month. Lehi comes second in the rankings, with residents paying $2,518 on average per month.
In proportion to household income, Park City’s bills are lower than ones in Lehi. While Park City’s monthly bill basket makes up 29% of average household income there, Lehi’s bill basket accounts for 30% 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 | $3,106 | 29% |
| 2 | Lehi | $2,518 | 30% |
| 3 | South Jordan | $2,457 | 28% |
| 4 | Draper | $2,447 | 26% |
| 5 | Eagle Mountain | $2,410 | 33% |
| 6 | Syracuse | $2,410 | 28% |
| 7 | Riverton | $2,374 | 26% |
| 8 | North Salt Lake | $2,361 | 35% |
| 9 | Herriman | $2,352 | 27% |
| 10 | Heber City | $2,343 | 37% |
*Household Bill Pay Expense averages shown above reflect the ten most common bills paid, including housing (rent/mortgage).
Vernal is the most affordable Utah city for household bills
Out of 37 cities and towns, Vernal is the most affordable place in Utah, with residents paying $1,797 on average for household bills. Household bills account for 35% of local income in Vernal.
Brigham City comes in at the second most affordable town or city in Utah, with residents paying $1,810 per month on average.
Also on the list of 10 least expensive cities in Utah are Payson ($1,873 per month), Midvale ($1,899 per month), and West Valley City ($1,900 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 | Clearfield | $1,996 | 31% |
| 29 | Tooele | $1,995 | 31% |
| 30 | Roy | $1,985 | 33% |
| 31 | Logan | $1,952 | 47% |
| 32 | Provo | $1,937 | 45% |
| 33 | West Valley City | $1,900 | 34% |
| 34 | Midvale | $1,899 | 37% |
| 35 | Payson | $1,873 | 30% |
| 36 | Brigham City | $1,810 | 34% |
| 37 | Vernal | $1,797 | 35% |
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 use doxoINSIGHTS’ regional bill comparison database to compare average costs for over 4,200 towns and cities across the country.