Ogden vs Surprise
Cost of Living Comparison · 2026
Ogden
Surprise
The Verdict
The cost gap between these cities is 3.9%, with Surprise being the more affordable option. A $75,000 income in Ogden has equivalent purchasing power to $72,196 in Surprise.
Category-by-Category Breakdown
Index values · National average = 100 · Lower is more affordable
Salary Equivalence
A $75,000 salary in Ogden has the same purchasing power as $72,196 in Surprise.
Conversely, $75,000 in Surprise equals $77,913 in Ogden.
Living in Ogden vs Surprise
Housing Costs
Ogden's housing index of 112 is higher Surprise's 105, translating to median home prices of $385,000 vs $419,000. The $34,000 difference in home prices means roughly $2,208 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,250/mo in Ogden compared to $1,575/mo in Surprise, a monthly difference of $325.
Grocery & Food Costs
Grocery expenses index at 92 in Ogden and 100 in Surprise. A household spending the national average of $475/month on groceries would pay approximately $437/month in Ogden vs $475/month in Surprise. Ogden offers a meaningful advantage on everyday food costs, saving roughly $456/year.
Utility Expenses
Utility costs — electricity, gas, water, internet — index at 80 in Ogden and 102 in Surprise. Monthly utility bills average approximately $320 in Ogden vs $408 in Surprise. Climate differences between the two cities drive much of this gap, with heating and cooling costs varying substantially by region.
Healthcare
Healthcare costs index at 91 in Ogden and 97 in Surprise. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. Healthcare costs are relatively similar between these two cities, though individual plan costs can still vary.
Income & Purchasing Power
Median household income is $70,100 in Ogden and $85,500 in Surprise. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $65,514 and $83,010 respectively. Surprise residents come out ahead in real purchasing power.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $1,636/month to housing in Ogden vs $1,995/month in Surprise. In Ogden, median rent of $1,250/mo fits within this budget. In Surprise, median rent of $1,575/mo remains manageable. The biggest category-level difference between these two cities is Utilities, where the gap is 22 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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