Retire Modestly in Ogden, UT (2026)
Small apartment, cook at home, public transit, minimal travel. In Ogden (COL 93), this costs $2,480/month — a $2K less than the US average.
Monthly budget breakdown
Estimated monthly expenses for a modest retirement in Ogden (COL-adjusted from national baseline).
| Category | Monthly | Annual | % of budget |
|---|---|---|---|
| Housing | $818 | $9,816 | 33% |
| Food | $372 | $4,464 | 15% |
| Healthcare | $347 | $4,164 | 14% |
| Transport | $298 | $3,576 | 12% |
| Leisure | $347 | $4,164 | 14% |
| Misc | $298 | $3,576 | 12% |
| Total | $2,480 | $29,760 | 100% |
How long to save $744K?
Time to reach your nest egg target investing at 7% annual return (S&P 500 historical avg).
| Monthly savings | Years to retire | Retirement age (start 30) |
|---|---|---|
| $1,000/mo | 25 yrs | Age 55 |
| $2,000/mo | 17 yrs | Age 47 |
| $3,000/mo | 13 yrs | Age 43 |
| $5,000/mo | 9 yrs | Age 39 |
| $8,000/mo | 7 yrs | Age 37 |
Ogden vs US average — Modest retirement
Other retirement tiers in Ogden
Frequently asked questions
How much does a modest retirement cost in Ogden?
A modest retirement in Ogden costs approximately $29,760/year or $2,480/month — based on a 93 cost-of-living index (US avg = 100). Using the 4% safe withdrawal rule, you need a nest egg of about $744K.
How long will it take to save $744K for retirement in Ogden?
Saving $2,000/month at a 7% average annual return would take roughly 17 years to accumulate $744K. At $3,000/month, it would take about 13 years. These estimates assume consistent investing in a diversified portfolio.
What is the biggest expense in a modest retirement in Ogden?
Housing is the largest expense at roughly 33% of the budget ($818/month). Healthcare ($347/month) is the second-largest category.
4% safe withdrawal rule · 7% annualized return assumption · COL-adjusted from BLS data · Q1 2026 estimates