Is $125,000 a good salary in Utah?
$125,000 in Utah is an above-median household income - the 63rd percentile of Utah households in the Census ACS 2024 distribution (68th nationally). A single filer keeps about $91,186 after federal, Utah state, and FICA taxes - roughly $7,599/mo at a 27% effective rate. Statewide median rent takes 13% of gross, inside the affordable band.
Estimate only - not financial advice. Methodology and sources.
Census ACS 2024 1-year data (tables B19080, B19013), verified . Reviewed by kgenots, Editor. Methodology
Utah household income distribution (ACS 2024)
Utah's own published cut-points - where $125,000 sits is highlighted. These are the actual Census quintile thresholds for Utah, not the national distribution rescaled.
| Percentile | Band | Household income |
|---|---|---|
| 20th percentile | Bottom 20% | $46,274✓ passed |
| 40th percentile | Lower-middle | $79,666✓ passed |
| 50th percentile (median) | Median household | $96,658✓ passed |
| 60th percentile | Upper-middle | $116,298✓ passed |
| 80th percentile | Top 20% starts | $172,511 |
| 95th percentile (top 5%) | Top 5% starts | $250,001 |
$125,000 clears the 60th percentile threshold in Utah - placing it at the 63rd percentile of state households.
Take-home pay on $125,000 in Utah
| Gross income | $125,000 |
| Federal income tax | −$19,247 |
| Utah state income tax | −$5,005 |
| Social Security (6.2%) | −$7,750 |
| Medicare (1.45%) | −$1,813 |
| Take-home (net) | $91,186 |
That's about $7,599/month net, an effective tax rate of 27.1%. Utah's average combined sales tax is 7.44%, charged on taxable spending out of that net - a consumption cost on top of the income tax above.
Single filer, 2025 federal brackets + standard deduction. State tax uses Utah's top/flat marginal rate, so in progressive-bracket states (e.g. California, New York) the state line is an upper bound and your actual net is likely a little higher. Married-filing-jointly and pre-tax 401(k)/health deductions also change the result. Estimate only - Utah take-home detail →
Occupations near $125,000 (single earner)
BLS national median wages within ±15% of $125,000 - gives texture for which careers and seniorities land at this income level.
| Occupation | Stage | National wage |
|---|---|---|
| Registered nurse | senior | $121,000 |
| Accountant | senior | $132,000 |
| Civil engineer | senior | $133,000 |
| Petroleum engineer | mid-career | $135,690 |
| Pharmacist | entry-level | $113,000 |
| Mechanical engineer | senior | $137,000 |
Source: BLS Occupational Employment and Wage Statistics (OEWS), May 2024. National medians; metro/state variance can be ±30%. Career stage estimates: entry ≈ 25th pct, senior ≈ 75th pct of the same SOC code.
Lifestyle context - rent burden in Utah
At $125,000 gross, statewide median rent eats 13% of income - inside the affordable band. Metro areas (LA, SF, NYC, Boston, Seattle) typically run 30-50% above the statewide median.
Home affordability at $125,000
Using the 28% rule on a 30-year mortgage, $125,000 gross supports a home purchase up to about $337,266. Utah median home value is $484,700 - you can afford 70% of the median home, so buying requires lower-priced markets, a larger down payment, or co-buying.
How $125,000 ranks in neighboring states
State-adjusted percentile shows the same income placed in Utah's contiguous neighbors. Relevant for relocation, remote-work geography, or border-town decisions.
| State | Median HH | % vs median | Percentile |
|---|---|---|---|
| Utah (current) | $96,658 | +29% | 63rd |
| New Mexico | $67,816 | +84% | 76th |
| Wyoming | $75,532 | +65% | 72nd |
| Idaho | $81,166 | +54% | 71st |
| Nevada | $81,134 | +54% | 69th |
| Arizona | $81,486 | +53% | 69th |
| Colorado | $97,113 | +29% | 62nd |
$125,000 ranks similarly in
Other incomes in Utah
Common questions
- Is $125,000 a good household income in Utah?
- It sits at roughly the 63rd percentile of Utah households in the state's own Census ACS 2024 income distribution (Utah median $96,658). Nationally that's about the 68th percentile. Whether "good" depends on household size, debt, and metro cost of living - state figures smooth over big within-state variation.
- How does $125,000 compare to the Utah median?
- It's 29% above the Utah median household income of $96,658 (Census ACS 2024, table B19013). Half of Utah households earn less than $96,658, half earn more.
- How exact is the 63rd percentile figure for $125,000?
- It is interpolated, not read off a published table. The Census publishes Utah household income only at quintile cut-points, and $125,000 falls between the 60th-percentile cut-point ($116,298) and the 80th-percentile cut-point ($172,511). We interpolate linearly between those two published points, so the figure is accurate to a few percentile points, not to the decimal.
- What is the highest income Utah's data can rank?
- Utah's published 95th-percentile cut-point is $250,001, below the $250,001 level at which the Census top-codes this measure. That means percentile positions in Utah stay meaningful across the full range shown here, unlike in higher-income states where the top bracket is censored.
Full data sources and formulas: /sources.
Source and methodology
Data source. Utah household income distribution comes from the U.S. Census Bureau, American Community Survey 2024 1-year estimates: table B19080 (quintile upper limits) and table B19013 (median household income), retrieved via the Census Reporter API on 2026-07-11.
How the percentile is derived. The Census publishes Utah only at the cut-points shown in the table above. We interpolate linearly between the two published points that bracket $125,000 ($116,298 and $172,511). We do not rescale one national curve by a state median, which is what most percentile calculators do.
Limitations. Interpolated positions are accurate to a few percentile points, not to the decimal. Utah's 95th-percentile cut-point is $250,001, below the $250,001 top-code ceiling, so ranks stay meaningful across the range shown. State-level figures also smooth over large metro-to-rural variation within Utah.
US household income percentile calculator → Income percentile by state (all 50) → Full methodology →
Estimate only - not financial advice. Percentiles are interpolated from US Census Bureau ACS household income distribution tables and describe where an income falls nationally - they are not a judgment of what you should earn or financial advice. Cost of living varies widely by state and metro.
Reviewed by kgenots, Editor · editorial policy