Cost of Living in Ephraim, UT

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B+
7%
Overall NAT. AVG.
1%
Groceries NAT. AVG.
19%
Housing NAT. AVG.
Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.
The cost of living index is based on a national average of 100. For example, if the cost of living score is 90, then the estimated cost of living is 10% lower than the national average. If the score is 110, then the estimated cost of living is 10% higher than average. The overall index is calculated using weighted estimates across major everyday expense categories, including housing (30%), groceries (16%), transportation (12%), healthcare (10%), utilities (8%), lifestyle and entertainment (8%), household expenses (8%), and education and childcare (8%). All values are AI-assisted city-level estimates designed for directional comparisons.
Index Ephraim Utah National
Cost of living107105100
Groceries101101100
Health care99101100
Housing119113100
Transportation103101100
Utilities101101100
Lifestyle & Entertainment103102100
Household Items102102100
Education & Childcare104105100
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Homes For Sale In Ephraim, UT

property for sale

350 S 200 E

Ephraim, UT
property for sale

814 E 1020 S

Ephraim, UT
property for sale

112 E 400 S

Ephraim, UT
property for sale

700 E 30 N

Ephraim, UT
See the Newest Homes For Sale In Ephraim, UT

Cost Of Living Quick Facts

  • The cost of living in Ephraim is 2% higher than the Utah average
  • The cost of living in Ephraim is 7% higher than the national average
  • Ephraim housing is 19% higher than the national average
  • Utah general sales tax is 20% higher than the national average
  • Utah state income tax is 87% higher than the national average

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      This is how much you would need to earn in
      Price difference in compared to
      Cost of living index
      Groceries index
      Health care index
      Housing index
      Transportation index
      Utilities index
      Lifestyle index
      Household index
      Educare index

      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$104,722$8,727$2,443$3,142
      Renters$50,207$4,184$1,171$1,506
      To approximate the cost of living and the housing affordability in Ephraim, UT, we can look at the percentage of income that is available to be spent on monthly housing, otherwise known as the debt-to-income ratio (DTI). To stay on the safe side, a consumer should not spend more than 28% of his or her gross income on housing-related expenses and costs and not more than 36% of income on all expenses and debts. Homeowners in Ephraim have a median income of $104,722. Therefore, the amount that a consumer should spend on housing costs should be no more than $2,443 per month to avoid calamity and poverty. The renters in the city have an income of about $50,207, which would make their monthly maximum allowable rental costs $1,171.

      Utah Sales Tax

      State General Sales Tax With Max Surtax
      Utah 6.1% 8.35%

      Utah Income Tax

      State Income Tax (Low) Income Tax (High)
      Utah 4.85% 4.85%

      Nearby cities with low cost of living

      City Population Cost of Living Index National Avg.
      Fayette, UT324955.4%
      Moroni, UT1,458964.1%
      Manti, UT3,749990.7%
      Sterling, UT3851010.9%
      Levan, UT9021021.7%
      Ephraim, UT7,5091077.0%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Tolleson, AZ7,5101044.2%
      Dayton, TN7,5108514.8%
      Hudsonville, MI7,507964.4%
      Springs, NY7,50718483.6%
      Valley Falls, SC7,507936.5%
      Ephraim, UT7,5091077.0%
      Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.
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