Saratoga Springs, UT

Very High · 162

Utah · Population 44,070 · Updated March 2026

$2,206
Median Rent / Month
$123,619
Median Income
$567,200
Median Home Value
$2,082
Owner Costs / Month

Affordability

How far your income goes in Saratoga Springs

21.4%
Rent-to-Income Ratio
Affordable
Rent takes less than 25% of median income — considered affordable by HUD standards.

Tax Burden in Utah

State-level tax rates that affect your costs

4.65%
Income Tax (Top Rate)
6.1%
Sales Tax
0.58%
Property Tax Rate

Estimated Annual Costs

$26,472
Annual Rent
$5,748
State Income Tax
$3,290
Property Tax (est.)

Cost of Living Overview

Saratoga Springs has a significantly higher cost of living than most US cities, driven largely by premium housing costs. With a cost index of 162 (where 100 equals the national median), Saratoga Springs residents can expect to pay median rent of $2,206/month while earning a median household income of $123,619/year.

The median home value in Saratoga Springs, UT is $567,200, with typical monthly owner costs around $2,082 including mortgage, insurance, and taxes. The median rent-to-income ratio of 21.4% means housing is relatively affordable here — well below the 30% threshold that HUD considers cost-burdened.

Utah has a moderate income tax rate of 4.65%. Combined with a 6.1% sales tax rate and 0.58% effective property tax rate, the overall tax environment is a factor in the total cost of living in Saratoga Springs.

Frequently Asked Questions

Common questions about living costs in Saratoga Springs

What is the cost of living in Saratoga Springs, UT?
The cost of living index in Saratoga Springs, UT is 162 (US average = 100). Median monthly rent is $2,206, median household income is $123,619/year, and the median home value is $567,200.
Is Saratoga Springs, UT affordable?
No, Saratoga Springs is more expensive than the national average with a cost index of 162. The rent-to-income ratio is 21.4%—below the 30%% threshold considered affordable by HUD.
What is the average rent in Saratoga Springs, UT?
The median gross rent in Saratoga Springs, UT is $2,206 per month according to the US Census Bureau ACS 2023 data. Annual rent costs approximately $26,472.
What is the median household income in Saratoga Springs?
The median household income in Saratoga Springs, UT is $123,619 per year. This compares to the national median of approximately $80,000.
What are the taxes like in Utah?
Utah has a top income tax rate of 4.65%, a sales tax of 6.1%, and an effective property tax rate of 0.58%.