St. George vs Ogden for Retirees (2026)
Scroll down for retirement income tax breakdown, healthcare estimates, and FAQ.
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Estimated annual swing
−$940/yr
Favoring Ogden for this income & household (illustrative).
With an extra $78/mo in Ogden, you could max a Roth IRA contribution faster and still grow your savings buffer.
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Moving to Ogden resets your insurance profile. Bundling home + auto often saves 15–25%.
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Full retirement cost breakdown
| Metric | St. George Utah | Ogden Utah | Your impact |
|---|---|---|---|
| 1BR rent / month | $1,300 | $1,250Better | $600/yr saves in Ogden |
| Median home price | $440K | $380KBetter | — |
| State income tax | 4.7%Better | 4.7% | — |
| Sales tax (combined) | 7.2%Better | 7.2% | — |
| Monthly utilities | $148 | $145Better | — |
| Groceries index (US = 100) | 98 | 96Better | — |
| Est. healthcare / month | $480 | $465Better | $180/yr saves in Ogden |
| Walk score (0–100) | 22 / 100 | 28 / 100Better | — |
| Overall COL index (100 = US avg) | 96 | 93Better | — |
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Mortgages
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Home & Auto Insurance
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New state means new rates. Lock in Ogden homeowners + auto quotes before your move date.
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Frequently asked questions
Which city is better for retirement — St. George or Ogden?
Based on home prices, taxes on retirement income, walkability, and overall cost of living, Ogden scores better for retirees. Median home prices are $440K in St. George vs $380K in Ogden. Ogden is approximately 3% cheaper overall. The best choice still depends on climate, healthcare access, and proximity to family.
Is retirement income taxed in St. George or Ogden?
Ogden has the lower state income tax rate (4.7% vs 4.7%). Note that many states exempt Social Security income and some pension income from state taxes even when other income is taxed — check your specific state's retirement tax rules.
What is the estimated monthly healthcare cost in St. George vs Ogden?
Based on national average retiree healthcare spending (~$500/month) scaled by each city's cost-of-living index, estimated monthly healthcare costs are approximately $480 in St. George and $465 in Ogden. That's a difference of ~$15/month, or ~$180/year. Actual costs vary based on your Medicare plan, supplements, and health needs.
Can I afford to retire in St. George on a $50,000 annual income?
On a $50,000/year ($4,167/month) retirement income in St. George, rent alone would consume approximately 31% of your budget (1BR rent ~$1,300/mo) and healthcare another ~12%. That leaves roughly 57% (~$2,375/mo) for groceries, transportation, and other expenses. This is tight — a studio apartment or lower-cost neighborhood would help.
Which city is more walkable for retirees?
Ogden has a higher walk score (28 vs 22 out of 100). Walkability is increasingly important for retirees who want to reduce car dependence — a score above 70 means most daily errands can be done on foot. Ogden offers more independence without a car, which also reduces transportation costs.
$50K/year in St. George has the same purchasing power as $48K/year in Ogden
Healthcare estimates based on national avg retiree spending (~$500/mo) scaled by COL index · State income tax rates from Tax Foundation · Data: Zillow, BLS, Numbeo · Q1 2026