B
9%
Overall NAT. AVG.
1%
Groceries NAT. AVG.
27%
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 Kearns Utah National
Cost of living109105100
Groceries99101100
Health care101101100
Housing127113100
Transportation102101100
Utilities103101100
Lifestyle & Entertainment104102100
Household Items100102100
Education & Childcare105105100
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An Overview of Cost of Living in Kearns, UT

The cost of living in Kearns affects the quality of life one can afford in this new location. It allows people to assess whether they can maintain their preferred lifestyle, including housing, leisure activities and dining options. Your total monthly expenditures can varry depending on the area, as well as many other factors. The cost of living in Kearns is 109, which is 9% higher than the national average. Knowledge of the cost of living can help individuals make informed decisions about retirement savings, investments, and financial goals.

In Kearns, daily expenses such as food, housing, lifestyle expenses, transportation and health care are in line with comparable areas and about average when compared to all cities across the nation. This ensures that the cost of living in Kearns will resemble that of an average city, contributing to a manageable cost of living.

Housing costs make up a big chunk of the cost of living in Kearns, and they usually eat into a large part of your take-home pay. Unfortunately, in this area, both buying a home and renting one costs 27.5% more than the average city. This includes stuff like home prices, rent, mortgage rates, and insurance.

Is Kearns Affordable?

Wondering if Kearns is affordable? It's a question that often comes up when you're thinking about a new city since affordability can really shape your decisions. The cost of living index (covered earlier), housing expenses and income levels all play a part in the affordability equation. In Kearns, for example, the median home price is 19.8% higher than what folks pay nationally, and monthly rent is 45.5% higher than the usual rates. Plus, income levels matter too, with Kearns boasting a median household income of $101,612, which is 24.9% higher than the national average.

What Factors can Influence the Cost of Living in Kearns?

Healthcare: Healthcare expenses and insurance premiums can vary significantly depending on the specific city or state. Factors such as accessibility to healthcare facilities, out-of-pocket expenses for doctor's visits, dental care expenses, prescription costs and specialized medical care fees can all influence the overall cost of living. In Kearns, healthcare costs are 0.7% higher than the national average.

Housing: A sought-after location with high housing demand often leads to increased property values and rental rates, which can significantly inflate the overall cost of living. Conversely, areas with low housing demand, particularly in less desirable locales, tend to experience the opposite effect, causing prices to drop and contributing to a more affordable cost of living. In Kearns, the housing index stands at 27.5% higher than the national average.

Groceries: Grocery expenditures have undergone notable escalation over the last 2-3 years. In some markets, the cost of food products has surged by more than 20%, while others have experienced only modest increments. These fluctuations in food costs can have a significant impact on the overall cost of living in any region. In Kearns, the groceries index registers 0.7% lower than the national average.

Where is the Data From?

The Kearns cost of living data displayed above uses a U.S. average baseline of 100 to provide a practical way to compare living expenses across cities. Housing estimates incorporate U.S. Census home price and rental data, while all other values are generated using AI-assisted models based on everyday expense expectations, regional pricing trends, climate, transportation patterns, and local economic conditions. These values are designed for directional city-to-city comparisons.

Cost Of Living Quick Facts

  • The cost of living in Kearns is 4% higher than the Utah average
  • The cost of living in Kearns is 9% higher than the national average
  • Kearns housing is 27% 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

Most Affordable Places to Live in and Around Kearns

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Compare Kearns, UT Cost of Living

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      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$109,233$9,103$2,549$3,277
      Renters$74,325$6,194$1,734$2,230
      The percent of monthly income spent on housing can be a good indicator of the affordability of housing in Kearns, UT, as well as the overall cost of living. As a general rule of thumb, the debt-to-income ratio (DTI) for homeowners or renters should be not more than 28 percent of gross income to be spent on housing related costs and not more than 36 percent of income on all expenses, including debts. The median income for Kearns homeowners, is $109,233. This would allow for a maximum of $2,549 per month to be spent on housing costs. For renters, the median monthly income is $74,325 which would result in a maximum of $1,734 to be spent on rental costs.

      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.
      Copperton, UT8561066.0%
      Magna, UT27,9381099.4%
      West Valley City, UT140,97011010.3%
      South Salt Lake, UT25,75811010.4%
      Taylorsville, UT61,50311111.5%
      Kearns, UT37,4581099.5%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      West Fargo, ND37,4591076.6%
      Owasso, OK37,448982.0%
      Bettendorf, IA37,4771033.2%
      Prattville, AL37,437972.7%
      Winchester, NV37,4191021.6%
      Kearns, UT37,4581099.5%
      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.