Is Phoenix, AZ cheaper than Albany, OR?

Based on cost of living data, Phoenix, AZ is 3.2% cheaper than Albany, OR. This translates to saving $239 per month.

What salary do I need in Phoenix, AZ to live like I do in Albany, OR?

If you earn $150,000 in Albany, OR, you'd need approximately $147,135.58 in Phoenix, AZ to maintain the same standard of living.

How does housing cost compare between Albany, OR and Phoenix, AZ?

Housing in Phoenix, AZ is 19.7% cheaper than in Albany, OR. For a two-bedroom apartment, rent is $1,750/month in Phoenix, AZ compared to $1,038/month in Albany, OR.

How much can I save per month by moving from Albany, OR to Phoenix, AZ?

Moving from Albany, OR to Phoenix, AZ could save you approximately $239 per month, or $2864 per year, based on a $150,000 salary.

Albany, OR vs Phoenix, AZ: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Albany, OR — ZIP-level rent data · COL adjusted from Portland, OR area

Current salary in Albany, OR

Numbers update automatically as you type

You'd save $239/month moving to Phoenix, AZ

$150.0K in your current city equals $147.1K in Phoenix, AZ

Rent data from HUD ZIP-level estimates · COL index from area

Overall Cost

↓ 3.2%

Less expensive

Monthly Impact

$239

Savings

Annual Impact

$2.9K

Per year

Based on monthly living costs (rent, groceries, utilities, transport, healthcare). Home purchase prices shown separately below.

Albany, OR

Population:57K

Cost Index:100

Median Home:$500K

Phoenix, AZ

Population:1608K

Cost Index:97

Median Home:$414K

Albany, OR

The Beaver State

57K

Population

State Tax

Yes

Located in Oregon, this city has a population of 57K residents.

Phoenix, AZ

The Grand Canyon State

1.6M

Population

State Tax

Yes

Climate

Hot desert

Notable Facts

•Fastest growing major city
•Desert metropolis
•Spring training capital

Major Industries

TechnologyHealthcareTourismManufacturing

Cost Breakdown by Category

Annual spending: Albany, OR vs Phoenix, AZ

Category	Albany, OR	Phoenix, AZ	Difference	Change
🏠Housing	$3,471/mo	$2,788/mo	↓ $683less	19.7%
⚡All Utilities	$430/mo	$561/mo	↑ $131more	30.4%
📦Other	$1,578/mo	$1,677/mo	↑ $98.88more	6.3%
🚗Transportation	$1,411/mo	$1,489/mo	↑ $77.69more	5.5%
🏥Healthcare	$600/mo	$589/mo	↓ $11.71less	1.9%
🛒Groceries	$968/mo	$963/mo	↓ $4.89less	0.5%

🏠Housing

↓ 19.7%

Albany, OR

$3,471

Phoenix, AZ

$2,788

Difference

$683

less

⚡All Utilities

↑ 30.4%

Albany, OR

$430

Phoenix, AZ

$561

Difference

$131

📦Other

↑ 6.3%

Albany, OR

$1,578

Phoenix, AZ

$1,677

Difference

$98.88

🚗Transportation

↑ 5.5%

Albany, OR

$1,411

Phoenix, AZ

$1,489

Difference

$77.69

🏥Healthcare

↓ 1.9%

Albany, OR

$600

Phoenix, AZ

$589

Difference

$11.71

less

🛒Groceries

↓ 0.5%

Albany, OR

$968

Phoenix, AZ

$963

Difference

$4.89

less

🏠Rent Comparison

Studio

From$753

To$1,390

↑ $637

1 Bed

From$843

To$1,510

↑ $667

2 Bed

From$1,038

To$1,750

↑ $712

3 Bed

From$1,450

To$2,330

↑ $880

Albany, ORZIP-level data

1BR range: $1,210–$1,210/mo

Phoenix, AZZIP-level data

1BR range: $1,300–$2,380/mo

💡 Note: Rent prices are based on HUD Fair Market Rent data and represent median costs. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$8,460

Monthly in Albany, OR

$8,068

Monthly in Phoenix, AZ

$392

Difference

Home Values

Albany

Phoenix

$500K

Median Value

$414K

↑ +0.1%

YoY Change

↓ -3.1%

↑ +31.5%

5-Year Change

↑ +30.2%

$500K

Price Range

$274K - $957K

Homes in Phoenix are 17% less expensive than Albany

Calculate payment - Albany Calculate payment - Phoenix

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $10.3K

Per year

Monthly Difference

$857

More take-home

Effective Rate Diff

6.9%

Rate difference

Albany, OR

Federal Income Tax

Effective: 18.9%

$25.5K

Oregon State Tax

Effective: 10.3%

$15.5K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 35.0%

$52.5K

Take-Home Pay

$8,123/month

$97.5K

Phoenix, AZ

Federal Income Tax

Effective: 18.9%

$25.5K

Arizona State Tax

Effective: 3.5%

$5.2K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 28.2%

$42.2K

Take-Home Pay

$8,979/month

$107.8K

Additional Tax Information

Albany, OR Tax Rates

Sales Tax:0.0%

Property Tax:0.9%

Phoenix, AZ Tax Rates

Sales Tax:8.5%

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.