Ogden vs Sacramento
Cost of Living Comparison · 2026 Data
Ogden
Sacramento
💡 The Verdict
Ogden is 29% cheaper than Sacramento overall. A $75,000 salary in Ogden is equivalent to $105,495 in Sacramento.
Category-by-Category Breakdown
Index values for Ogden (left) vs Sacramento (right). National average = 100.
Detailed Price Comparison
Estimated item-level prices in Ogden versus Sacramento. Differences shown from Ogden perspective.
| Item | Ogden | Sacramento | Difference |
|---|---|---|---|
| 1-Bed Rent | $1,060/mo | $1,260/mo | $-200.00 |
| 2-Bed Rent | $1,420/mo | $1,700/mo | $-280.00 |
| 3-Bed Rent | $1,950/mo | $2,230/mo | $-280.00 |
| Bread (loaf) | $2.70 | $3.03 | $-0.33 |
| Milk (gallon) | $3.25 | $3.90 | $-0.65 |
| Eggs (dozen) | $2.74 | $3.22 | $-0.48 |
| Coffee (latte) | $5.08 | $5.98 | $-0.90 |
| Gas (gallon) | $3.08 | $3.55 | $-0.47 |
| Restaurant Meal | $12.76 | $20.36 | $-7.60 |
💰 Salary Equivalence
A $75,000 salary in Ogden has the same purchasing power as $105,495 in Sacramento.
Conversely, $75,000 in Sacramento equals $53,320 in Ogden.
💼 Take-Home Pay Comparison
Estimated annual take-home pay on a $75,000 salary after federal, FICA, and state income taxes.
The $1125 difference is driven by California having a higher state income tax rate. Utah details → · California details →
Reading These Numbers: Ogden (91) vs Sacramento (128)
Ogden at 91 is 9% below the US average, while Sacramento at 128 is 28% above average. There is a meaningful cost gap between these two cities that affects day-to-day budgeting.
In Ogden, the composite index of 91 reflects a weighted calculation where housing carries the most influence at 110, followed by groceries (92), utilities (94), transportation (92), and healthcare (86). Housing is the primary cost driver here.
For renters: With median rents of $1,420/mo in Ogden and $1,700/mo in Sacramento, the annual rent difference is approximately $3,360.0. Over a 5-year period, that compounds to $16,800.0 in savings by choosing the more affordable city.
For homebuyers: The $125,000.0 difference in median home prices between Ogden and Sacramento translates to meaningful differences in mortgage payments at current rates. Factor this into your budget alongside property taxes and insurance, which also vary by location.
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Making Your Decision: Ogden vs Sacramento
Choosing between Ogden and Sacramento involves more than just comparing index numbers. Consider how each category aligns with your personal spending patterns. If you work from home, transportation costs matter less than housing and utilities. If you eat out frequently, the groceries index may understate your actual food spending — look at the restaurant meal prices in the detailed comparison table above instead.
When weighing Ogden against Sacramento, think beyond the composite index. Your personal savings rate, retirement timeline, and family size all influence which cost categories dominate your budget. Someone spending sixty percent of income on housing and childcare will experience these two cities very differently than a single renter whose largest variable expense is dining out. Model your own spending breakdown against the category indices above for the most realistic comparison.