Ephraim cost of living index

In the event that the cost of living data was unavailable for this city, estimates based upon nearby cities were used. Each cost of living index is based on a national average of 100. If the amount is below 100, it is lower than the national average. If the amount is above 100, it is higher than the national average.
IndexEphraimUtahNational
Cost of living index93100100
IndexEphraimUtahNational
Goods & Services index9594100
Groceries index9596100
Health care index9290100
Housing index92113100
Transportation index109107100
Utilities index7985100
A general overview of the cost of living index for Ephraim, UT is displayed above. In Ephraim, UT, the overall cost of living index is 93, which is 7% lower than the Utah average and 7% lower than the U.S. average. The following categories are used to calculate the overall cost of living index: goods/services (33%), housing (30%), groceries (13%), utilities (10%), transportation (9%) and health care (5%). From the list, it is clear that the categories of goods/services and housing are responsible for the largest portions of the overall cost of living index. As a general rule, everyday goods and services provide an accurate measure of the general cost of goods in any given city. In the case of Ephraim, UT, the city's goods and services are equal to the Utah average and 6% lower than the U.S. average.

Did you know?

  • The cost of living in Ephraim is 7% lower than the Utah average.
  • The cost of living in Ephraim is 7% lower than the national average.
  • The cost of housing in Ephraim is 8% lower than the national average.
  • Utah general sales tax is 17% higher than the national average.
  • Utah state income tax is 125% higher than the national average.

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Compare Ephraim, UT Cost of living To Other Cities

Salary Calculator

This is how much you would need to earn in
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Groceries index
Health care index
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The salary calculator is used in order to provide a comparison of your current salary in Ephraim, UT to another city of your choice. The calculator will inform you of what your salary needs to be in any specific city in order for you to maintain your living standard based on what the city’s cost of living is. As an example, if you are seeking to move to a city that has a higher cost of living compared to Ephraim, UT, you would have to earn a higher income to maintain a standard of living that is similar. To get started with the Ephraim, UT salary calculator, input the new city’s name and then move the slider to indicate your current income. The salary calculator will now process the numbers and show you whether you need to earn more or less in the chosen city. A comprehensive breakdown of the cost of living will also be shown.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
Owners$61,328$5,111$1,431$1,840
Renters$32,882$2,740$767$987
One can approximate the cost of living and the housing affordability in Ephraim, UT by the percentage of a person’s income that he or she spends on the monthly housing, otherwise known as the debt-to-income ratio (DTI). To stay on the safe side and keep one’s head above the water, a consumer should never spend more than 28 percent of his or her gross income on housing-related expenses and costs and not more than 36 percent of income on all expenses and debts. Homeowners in Ephraim, UT have a median income of $61,328. Therefore, the amount that a consumer should spend on housing costs should be no more than $1,431 per month to avoid calamity and poverty. The renters in the city have an income of about $32,882, which would make their monthly maximum allowable rental costs $767.

Utah Sales Tax

StateGeneral Sales TaxWith Max Surtax
Utah5.95%8.35%

Utah Income Tax

StateIncome Tax (Low)Income Tax (High)
Utah5%5%
When considering the overall cost of living expenses in Ephraim, UT, it's important to take into account the sales tax for Utah, as well as the rate for income tax in Utah. Goods and services sold to consumers in any state have some form of sales tax. Each state has its own tax code, which means that sales tax rates vary from state to state, ranging from over 7% in some states to as low as 0% in others. The maximum surtax for Utah is 8.35%, and the sales tax in the state of Utah is 5.95%. Alternatively, the tax imposed on your income by the state government is known as income tax. The rate for this tax also varies from state to state, and your rate is affected by your tax bracket, which is determined by your level of income. Income tax rates might be as high as 9%, down to as low as 0%. The range for income tax rates in Utah starts from 5% and goes up to 5%.

Goods & Services

ItemEphraimNational avg.Difference
Haircut $18.03$15.5615.8%
Beauty Salon $32.72$36.119.4%
Toothpaste $1.89$2.4723.6%
Shampoo $0.86$0.9611.2%
Movie $9.44$10.136.8%
Bowling $3.62$4.7423.6%

Groceries

ItemEphraimNational avg.Difference
Ground Beef $3.72$3.986.6%
Fried Chicken $1.22$1.4113.6%
Milk $1.47$2.0628.8%
Potatoes $3.31$2.9810.8%
Pizza $8.94$9.475.7%
Beer $7.85$8.7910.7%

Health Care

ItemEphraimNational avg.Difference
Optometrist $94.77$101.046.2%
Doctor $99.97$107.447.0%
Dentist $73.71$90.4218.5%
Ibuprofen $9.74$9.285.0%
Lipitor $432.10$426.501.3%

Housing

ItemEphraimNational avg.Difference
Home Price $183,500.00$175,700.004.4%
Avg. Mortgage Payment $1,037.59$1,133.238.4%
Apartment Rent $567.00$920.0038.4%

Transportation

ItemEphraimNational avg.Difference
Gasoline $2.11$1.995.9%
Tire Balancing $53.69$45.7617.3%

Utilities

ItemEphraimNational avg.Difference
All Electricity$139.23$163.8115.0%
Phone $19.99$28.3929.6%
Although the cost of living data is updated regularly, this cost of living information is to be used as estimates only as prices can change on an ongoing basis.

Nearby cities with low cost of living

City, StatePopulationCost of Living IndexNational Avg.
Moroni, UT1,40785-15%
Mount Pleasant, UT3,29090-10%
Gunnison, UT3,26792-8%
Fayette, UT22292-8%
Manti, UT3,31392-8%
Ephraim, UT6,30393-7%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Buena Vista, MI6,30278-22%
Youngtown, AZ6,29988-12%
Cheverly, MD6,30712828%
Huntington Woods, MI6,31012121%
Harriman, TN6,29677-23%
Ephraim, UT6,30393-7%
Source: The Ephraim, UT cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2016.