Lodi, CA vs Murray, UT: Cost of Living

Which city costs less?

Murray, UT has a modeled overall cost index 17.9% lower than Lodi, CA.

Lodi, CA · modeled 2BR rent
$1,835 / month
Murray, UT · modeled 2BR rent
$1,675 / month

These are saved estimates, not current rental listings. Some cities use adjusted regional data. Your household budget can differ from the overall index. Sources and assumptions

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Cost of Living Comparison 2026

Compare Lodi, CA and Murray, UT using saved regional data and explicit budgeting assumptions. Rent estimates are not live listings. Change the salary below, then check the source notes before applying a result to your household.

Saved regional estimates · Sources and assumptions

$
Numbers update automatically as you type

Estimated savings: $1,201/month in Murray, UT

$150,000 in your current city has a modeled equivalent of $135,588 in Murray, UT

Regional cost estimates: Lodi, CA uses Stockton, CA. Murray, UT uses Boise, ID. Available city ZIP rent estimates are shown separately.
Overall Cost
↓ 17.9%
Less expensive
Monthly Impact
$1,201
Savings
Annual Impact
$14.4K
Per year

Assumes 60% of current gross income goes to living costs. The headline uses the category budget below; taxes, moving costs and savings goals are excluded.

Lodi, CA

Population:68K
Cost Index:
111.2
100 = national average
Typical Home:$512K

Murray, UT

Population:50K
Cost Index:
91.3
100 = national average
Typical Home:$510K

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Lodi, CA

The Golden State

68K
Population
State Tax
Yes

Located in California, this city has a population of 68K residents.

Murray, UT

The Beehive State

50K
Population
State Tax
Yes

Located in Utah, this city has a population of 50K residents.

Cost Breakdown by Category

Estimated monthly spending: Lodi, CA vs Murray, UT

Assumes 60% of your current gross income is spent on these categories. The headline and totals use this same budget. Rent estimates below are separate reference data. Rounded amounts may differ by $1.

Housing
↓ 24.2%
Lodi, CA
$2,771
Murray, UT
$2,101
Difference
$669
less
Transportation
↓ 20.0%
Lodi, CA
$1,294
Murray, UT
$1,035
Difference
$259
less
Other
↓ 10.1%
Lodi, CA
$1,542
Murray, UT
$1,386
Difference
$156
less
Groceries
↓ 15.2%
Lodi, CA
$972
Murray, UT
$825
Difference
$147
less
Healthcare
↑ 21.1%
Lodi, CA
$448
Murray, UT
$543
Difference
$94.71
more
All Utilities
↓ 13.4%
Lodi, CA
$473
Murray, UT
$409
Difference
$63.50
less

🏠Rent Comparison

Studio
From$1,355
To$1,205
↓ $150
1 Bed
From$1,470
To$1,395
↓ $75.00
2 Bed
From$1,835
To$1,675
↓ $160
3 Bed
From$2,550
To$2,235
↓ $315
Lodi, CAZIP-level data

1BR range: $1,320–$1,620/mo

Murray, UTZIP-level data

1BR range: $1,390–$1,400/mo

💡 Note: HUD Fair Market Rents estimate 40th-percentile gross rents, including most tenant-paid utilities. City ZIP summaries are medians of those estimates, not market median rents. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$7,500
Monthly in Lodi, CA
$6,299
Monthly in Murray, UT
$1,201
Difference

Home Values

Lodi
Murray
$512K
Median Value
$510K
↓ -3%
YoY Change
↑ +1.8%
↑ +18.8%
5-Year Change
↑ +32.2%
$460K - $565K
Price Range
$493K - $527K
Calculate payment - LodiCalculate payment - Murray

Source: Zillow Home Value Index (ZHVI), January 2026

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↑ $3.4K
Per year
Monthly Difference
$279
More take-home
Effective Rate Diff
2.2%
Rate difference

Lodi, CA

Federal Income Tax
Effective: 18.9%
$25.5K
California State Tax
Effective: 7.1%
$10.6K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 31.8%
$47.6K
Take-Home Pay
$8,530/month
$102.4K

Murray, UT

Federal Income Tax
Effective: 18.9%
$25.5K
Utah State Tax
Effective: 4.9%
$7.3K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 29.5%
$44.3K
Take-Home Pay
$8,809/month
$105.7K

Additional Tax Information

Lodi, CA Tax Rates

Sales Tax:10.5%
Property Tax:0.8%

Murray, UT Tax Rates

Sales Tax:7.4%
Property Tax:0.6%

💡 Note: Tax calculations are estimates based on 2024/2025 tax brackets for single filers with standard deduction. Actual taxes may vary based on filing status, deductions, credits, and local variations.

Environment

Lodi
Murray
51 Moderate
Air Quality
44 Good
48.6%
Good Air Days
62.8%
99 High
Climate Risk
88 Moderate
🌊🌡☀
Top Hazards
🔥💨
▲+2.4°F
2050 Outlook
▲+3.3°F
63 days
Heat Days >95°F
49 days
▲+2.4°F
2050 Outlook
▲+3.3°F
63 days
Heat Days >95°F
49 days

Before moving from Lodi, CA to Murray, UT

Use this comparison to shortlist a move, then check the costs that depend on your household.

  1. Compare actual homes. Get current quotes in Murray, UT for the same bedroom count and included utilities as your home in Lodi, CA. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
  2. Confirm your income. Check your expected pay with your employer, including any location adjustment. Use “Different salary at destination?” above to compare two incomes. The budget model excludes taxes and one-time moving costs; it is not a take-home-pay calculation.
  3. Price your daily routine. Check the commute from a specific address to work, school or childcare. Add household expenses missing from this model, such as childcare, debt payments and medical needs. Verify local services before signing a lease.
  4. Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Lodi to Murray moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to Murray, UT by cost, housing, population and region.

Frequently Asked Questions: Lodi, CA vs Murray, UT

How do the cost estimates for Lodi, CA and Murray, UT compare?

Murray, UT has a modeled overall cost index 17.9% lower than Lodi, CA. This is a broad model comparison, not a survey of today's prices or a forecast of your household spending. Some cities use adjusted regional fallback data.

What does the equivalent salary mean?

At a $150,000 salary in Lodi, CA, the model estimates $135,588 in Murray, UT. It allocates 60% of gross income to the origin city’s category budget and applies each destination category’s relative cost. The equivalent salary adds the total category difference to your income. The monthly difference is the same category difference divided by 12; it is not take-home pay or guaranteed savings. Household size, childcare and your actual lease are not inputs to this calculation.

What rent estimates are available for Lodi, CA and Murray, UT?

The modeled two-bedroom rents are $1,835/month in Lodi, CA and $1,675/month in Murray, UT. Where available, the source is a city median of HUD FY2026 ZIP-level estimates; otherwise a saved metro table is used. City adjustments may also apply. These are not asking rents or available listings. Compare actual properties with the same bedroom count and included utilities.

How should I use this comparison before moving?

Use it to shortlist locations, then replace modeled costs with a current housing quote, employer-confirmed income, commute costs, insurance and your household's other expenses. Add one-time moving costs separately. Source years differ and the saved datasets are not a live price feed. Read the methodology for the formulas and fallback rules.

💰 See how taxes change too — compare take-home pay between California and Utah on TaxTakeHome.com

Where your money goes further

Cities cheaper than Lodi, CA on a $150.0K salary

1.St. Louis, MO
Save $1,415/mo
2.Indianapolis, IN
Save $1,391/mo
3.Pittsburgh, PA
Save $1,244/mo
4.San Antonio, TX
Save $1,176/mo
5.Columbus, OH
Save $1,133/mo

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