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Crunching costs, sorting signals, rendering insights.
Crunching costs, sorting signals, rendering insights.
No — $30,000 would be a financial stretch in Provo. Most take-home pay goes to rent alone.
At $30,000, your income sits significantly below the Provo metro median of $62,800. Provo is an average-cost city to live in, with a cost of living index of 105 (the national average is 100).
After federal income tax, Social Security, Medicare, and Utah's 4.9% state income tax, your effective rate comes out to about 24%. That leaves you with roughly $1,907 per month to work with. Rent in Provo is actually $115/month cheaper than the Utah average, which helps your budget go further.
Financial advisors commonly suggest spending no more than 30% of gross income on housing. With rent consuming 76% of your take-home pay, the math is difficult. Most of your disposable income goes straight to housing, leaving very little margin. On paper, this budget runs a deficit, meaning you'd need to find cheaper housing, a roommate, or supplement with side income to make Provo work at this salary.
Provo falls close to national averages across most cost categories, making it a fairly typical city to budget for. One positive trend: Provo's cost of living has been easing — the index dropped from 111 to 106 over the tracked period.
After rent, here's roughly what your remaining $459/mo covers in Provo:
Same salary, different Utah cities — here's how the numbers shift:
| City | Rent | Rent % | Est. Savings |
|---|---|---|---|
| Provo (you) | $1,448/mo | 76% | -$1,058 |
| West Valley | $1,560/mo | 82% | -$1,187 |
| Salt Lake | $1,592/mo | 83% | -$1,292 |
| West Jordan | $1,651/mo | 87% | -$1,358 |
These cities have a lower rent-to-income ratio on the same salary.
See how affordability changes in Provo as your salary moves up or down.
No — $30,000 would be a financial stretch in Provo. Most take-home pay goes to rent alone.
After federal income tax, Social Security, Medicare, and Utah state income tax (~5%), you would take home approximately $22,882 per year ($1,907/month). The effective total tax rate is 24%.
At $30,000/year, your monthly take-home is $1,907. With median rent of $1,448, you'd spend 76% of your net income on rent. Financial experts recommend keeping rent below 30% of gross income.
After estimated living costs (rent, food, transport, utilities, healthcare) of roughly $2,965/month, you'd have approximately $0/month in savings — 0% of take-home pay.
Provo has a cost of living index of 105. The national average is 100. It's roughly in line with national norms.
The median 1-bedroom rent in Provo is $1,448/month. That's $447 below the national average of $1,895.