Cost of Living · Arizona
Phoenix Cost of Living
Phoenix, Arizona costs approximately 2.0% above the US national average. Compare with 49 other major US cities.
1.02×
cost-of-living index (1.00 = US national average)
Phoenix ranks 3 of 7 cities in Arizona by cost of living.
Cities MORE expensive than Phoenix (32)
San Francisco, CA
+42.2% more expensive
Oakland, CA
+32.4% more expensive
New York City, NY
+29.4% more expensive
Honolulu, HI
+27.5% more expensive
Irvine, CA
+27.5% more expensive
Los Angeles, CA
+19.6% more expensive
Boston, MA
+19.6% more expensive
San Diego, CA
+18.6% more expensive
Yonkers, NY
+17.6% more expensive
Anchorage, AK
+17.6% more expensive
Seattle, WA
+15.7% more expensive
Long Beach, CA
+15.7% more expensive
Anaheim, CA
+15.7% more expensive
Scottsdale, AZ
+15.7% more expensive
Chula Vista, CA
+12.7% more expensive
Miami, FL
+9.8% more expensive
Portland, OR
+7.8% more expensive
Newark, NJ
+7.8% more expensive
Sacramento, CA
+7.8% more expensive
Riverside, CA
+7.8% more expensive
Denver, CO
+5.9% more expensive
Chicago, IL
+2.9% more expensive
Austin, TX
+2.9% more expensive
Baltimore, MD
+2.9% more expensive
Stockton, CA
+2.9% more expensive
Aurora, CO
+2.9% more expensive
Hialeah, FL
+2.9% more expensive
Frisco, TX
+2.9% more expensive
Las Vegas, NV
+2.0% more expensive
Minneapolis, MN
+2.0% more expensive
Plano, TX
+2.0% more expensive
Chandler, AZ
+2.0% more expensive
Cities CHEAPER than Phoenix (59)
Orlando, FL
−1.0% cheaper
Wilmington, DE
−2.0% cheaper
Raleigh, NC
−2.0% cheaper
Virginia Beach, VA
−2.0% cheaper
St. Paul, MN
−2.0% cheaper
Chesapeake, VA
−2.0% cheaper
North Las Vegas, NV
−2.0% cheaper
Boise, ID
−2.0% cheaper
Fresno, CA
−2.0% cheaper
Worcester, MA
−2.0% cheaper
Dallas, TX
−2.9% cheaper
Nashville, TN
−2.9% cheaper
Colorado Springs, CO
−2.9% cheaper
Bakersfield, CA
−2.9% cheaper
St. Petersburg, FL
−2.9% cheaper
Madison, WI
−2.9% cheaper
Norfolk, VA
−3.9% cheaper
Jacksonville, FL
−4.9% cheaper
Charlotte, NC
−4.9% cheaper
Mesa, AZ
−4.9% cheaper
Houston, TX
−5.9% cheaper
Fort Worth, TX
−5.9% cheaper
Tucson, AZ
−5.9% cheaper
Glendale, AZ
−5.9% cheaper
Garland, TX
−5.9% cheaper
Spokane, WA
−5.9% cheaper
Pittsburgh, PA
−6.9% cheaper
Arlington, TX
−6.9% cheaper
Tallahassee, FL
−6.9% cheaper
Milwaukee, WI
−7.8% cheaper
Albuquerque, NM
−7.8% cheaper
New Orleans, LA
−7.8% cheaper
San Antonio, TX
−8.8% cheaper
Grand Rapids, MI
−8.8% cheaper
Columbus, OH
−9.8% cheaper
Detroit, MI
−9.8% cheaper
Cincinnati, OH
−9.8% cheaper
Kansas City, MO
−9.8% cheaper
Lexington, KY
−9.8% cheaper
Corpus Christi, TX
−9.8% cheaper
Buffalo, NY
−9.8% cheaper
Greensboro, NC
−9.8% cheaper
Knoxville, TN
−9.8% cheaper
El Paso, TX
−10.8% cheaper
Cleveland, OH
−10.8% cheaper
St. Louis, MO
−10.8% cheaper
Winston-Salem, NC
−10.8% cheaper
Indianapolis, IN
−11.8% cheaper
Louisville, KY
−11.8% cheaper
Omaha, NE
−11.8% cheaper
Memphis, TN
−12.7% cheaper
Oklahoma City, OK
−12.7% cheaper
Lincoln, NE
−12.7% cheaper
Birmingham, AL
−13.7% cheaper
Toledo, OH
−13.7% cheaper
Lubbock, TX
−13.7% cheaper
Wichita, KS
−15.7% cheaper
Fort Wayne, IN
−15.7% cheaper
Mobile, AL
−15.7% cheaper
Phoenix cost of living, in context
With a cost-of-living index of 1.02× the US national average, Phoenix sits above the typical American cost baseline. 32 of the 49 other major US cities we track cost more, while 59 cost less.
What drives the index: housing dominates (typically 30-40% of household budget), followed by transportation (~15%), food (~10%), healthcare (~10%), and utilities/services. Phoenix's near-average pricing means most categories track national norms.
Salary in Phoenix
Salaries in Phoenix typically scale with the cost-of-living index. A professional earning $X in a national-average metro would expect approximately $102K for the same role in Phoenix. See our salary by job in Phoenix pages for specific role estimates across 50 jobs.
Related tools
Phoenix Paycheck Calculator — exact take-home with city/state taxes. Phoenix salary by job — 50 jobs. Inflation Calculator — purchasing power over time.
Frequently Asked Questions
What's the cost of living index for Phoenix?▾
Phoenix's cost-of-living index is 1.02× US average — meaning living costs are approximately 2.0% above the national average. Major drivers: housing, taxes, transportation. Index based on BEA Regional Price Parities.
Is Phoenix expensive to live in?▾
Phoenix sits near the US average for cost of living. Some neighborhoods are pricey (urban cores), others affordable.
What salary do I need to live in Phoenix?▾
Living comfortably in Phoenix typically requires income matching the local cost-of-living multiplier × what you'd need elsewhere. For a "moderate" lifestyle: household income of $60K+ is often suggested. Use our salary by city pages for job-specific estimates.
How does Phoenix compare within Arizona?▾
Phoenix ranks 3 of 7 cities we track in Arizona by cost of living. Within-state variation can be significant — major metros typically cost more than smaller cities or rural areas.
Where does this index come from?▾
BEA Regional Price Parities (RPP) — published annually by the US Bureau of Economic Analysis. Reflects cost differences for the same basket of goods/services across metros. Useful baseline; specific items (housing, dining out) can vary much more than the overall index suggests.