Milford, UT vs Lovelock, NV: Cost of Living

Which city costs less?

Lovelock, NV has a modeled overall cost index 20.5% higher than Milford, UT.

Milford, UT · modeled 2BR rent
$1,130 / month
Lovelock, NV · modeled 2BR rent
$980 / 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

Adjust your income and compare the budget ↓
Tap to swap

Cost of Living Comparison 2026

Compare Milford, UT and Lovelock, NV 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 extra cost: $1,010/month in Lovelock, NV

$150,000 in your current city has a modeled equivalent of $162,115 in Lovelock, NV

Regional cost estimates: Milford, UT uses North Las Vegas, NV. Lovelock, NV uses Reno, NV. Available city ZIP rent estimates are shown separately.
Overall Cost
↑ 20.5%
More expensive
Monthly Impact
$1,010
Extra cost
Annual Impact
$12.1K
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.

Milford, UT

Population:1K
Cost Index:
72.4
100 = national average
Typical Home:$206K

Lovelock, NV

Population:2K
Cost Index:
87.2
100 = national average
Typical Home:$229K

Planning the move to Lovelock?

Organize packing, address changes, and moving-day tasks with a free checklist. Your progress saves in this browser. No account needed.

Plan my move with the free checklist

Milford, UT

The Beehive State

1K
Population
State Tax
Yes

Located in Utah, this city has a population of 1K residents.

Lovelock, NV

The Silver State

2K
Population
State Tax
No Income Tax

Located in Nevada, this city has a population of 2K residents.

💡 Advantage: Nevada has no state income tax!

Cost Breakdown by Category

Estimated monthly spending: Milford, UT vs Lovelock, NV

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
↑ 14.9%
Milford, UT
$2,362
Lovelock, NV
$2,714
Difference
$352
more
Other
↑ 19.4%
Milford, UT
$1,499
Lovelock, NV
$1,791
Difference
$291
more
Transportation
↑ 14.9%
Milford, UT
$1,356
Lovelock, NV
$1,558
Difference
$202
more
Groceries
↑ 7.2%
Milford, UT
$1,089
Lovelock, NV
$1,167
Difference
$78.33
more
Healthcare
↑ 7.2%
Milford, UT
$662
Lovelock, NV
$710
Difference
$47.63
more
All Utilities
↑ 7.2%
Milford, UT
$532
Lovelock, NV
$571
Difference
$38.30
more

🏠Rent Comparison

Studio
From$830
To$750
↓ $80.00
1 Bed
From$940
To$870
↓ $70.00
2 Bed
From$1,130
To$980
↓ $150
3 Bed
From$1,400
To$1,360
↓ $40.00
Milford, UTZIP-level data

1BR range: $940–$940/mo

Lovelock, NVZIP-level data

1BR range: $870–$870/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 Milford, UT
$8,510
Monthly in Lovelock, NV
$1,010
Difference

Home Values

Milford
Lovelock
$206K
Median Value
$229K
↑ +8.4%
YoY Change
↓ -0.2%
N/A
5-Year Change
↑ +53.6%

Homes in Lovelock are 11% more expensive than Milford

Calculate payment - MilfordCalculate payment - Lovelock

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↑ $7.3K
Per year
Monthly Difference
$606
More take-home
Effective Rate Diff
4.8%
Rate difference

Milford, 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

Lovelock, NV

Federal Income Tax
Effective: 18.9%
$25.5K
Nevada State Tax
No state income tax
$0
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 24.7%
$37.0K
Take-Home Pay
$9,416/month
$113.0K

Additional Tax Information

Milford, UT Tax Rates

Sales Tax:7.4%
Property Tax:0.6%

Lovelock, NV Tax Rates

Sales Tax:8.2%
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

Milford
Lovelock
64 Moderate
Air Quality
50 Good
24.6%
Good Air Days
51.4%
100 Very High
Climate Risk
97 High
🔥🌊🌡
Top Hazards
🔥🌊🫨
▲+2.7°F
2050 Outlook
▲+2.9°F
144 days
Heat Days >95°F
46 days
▲+2.7°F
2050 Outlook
▲+2.9°F
144 days
Heat Days >95°F
46 days

Before moving from Milford, UT to Lovelock, NV

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

  1. Compare actual homes. Get current quotes in Lovelock, NV for the same bedroom count and included utilities as your home in Milford, UT. 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 Milford to Lovelock moving checklist to organize the tasks and timing.

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

Frequently Asked Questions: Milford, UT vs Lovelock, NV

How do the cost estimates for Milford, UT and Lovelock, NV compare?

Lovelock, NV has a modeled overall cost index 20.5% higher than Milford, UT. 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 Milford, UT, the model estimates $162,115 in Lovelock, NV. 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 Milford, UT and Lovelock, NV?

The modeled two-bedroom rents are $1,130/month in Milford, UT and $980/month in Lovelock, NV. 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 Utah and Nevada on TaxTakeHome.com

Similar cost to Lovelock, NV

Other cities in a similar price range

Raleigh, NCCharlotte, NCSan Antonio, TX

Want to compare different cities?

New Comparison