Is Phoenix, AZ cheaper than Allen, TX?

Based on cost of living data, Phoenix, AZ is 0.6% cheaper than Allen, TX. The two cities have very similar living costs.

What salary do I need in Phoenix, AZ to live like I do in Allen, TX?

If you earn $150,000 in Allen, TX, you'd need approximately $149,446.706 in Phoenix, AZ to maintain the same standard of living.

How does housing cost compare between Allen, TX and Phoenix, AZ?

Housing in Phoenix, AZ is 19.3% more expensive than in Allen, TX. For a two-bedroom apartment, rent is $1,750/month in Phoenix, AZ compared to $2,073/month in Allen, TX.

How much can I save per month by moving from Allen, TX to Phoenix, AZ?

Moving from Allen, TX to Phoenix, AZ could save you approximately $46 per month, or $553 per year, based on a $150,000 salary.

Allen, TX vs Phoenix, AZ: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Allen, TX — ZIP-level rent data · COL adjusted from Plano, TX area

Current salary in Allen, TX

Numbers update automatically as you type

You'd save $46.11/month moving to Phoenix, AZ

$150.0K in your current city equals $149.4K in Phoenix, AZ

Rent data from HUD ZIP-level estimates · COL index from Dallas-Fort Worth-Arlington, TX area

Overall Cost

↓ 0.6%

Less expensive

Monthly Impact

$46.11

Savings

Annual Impact

$553

Per year

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

Allen, TX

Population:112K

Cost Index:100

Median Home:$452K

Phoenix, AZ

Population:1608K

Cost Index:99

Median Home:$414K

Allen, TX

The Lone Star State

112K

Population

State Tax

No Income Tax

Located in Texas, this city has a population of 112K residents.

💡 Advantage: Texas has no state income tax!

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: Allen, TX vs Phoenix, AZ

Category	Allen, TX	Phoenix, AZ	Difference	Change
🏠Housing	$2,337/mo	$2,788/mo	↑ $451more	19.3%
🚗Transportation	$1,271/mo	$1,489/mo	↑ $218more	17.1%
📦Other	$1,886/mo	$1,677/mo	↓ $208less	11.1%
🏥Healthcare	$625/mo	$589/mo	↓ $36.89less	5.9%
🛒Groceries	$969/mo	$963/mo	↓ $5.95less	0.6%
⚡All Utilities	$557/mo	$561/mo	↑ $4.13more	0.7%

🏠Housing

↑ 19.3%

Allen, TX

$2,337

Phoenix, AZ

$2,788

Difference

$451

🚗Transportation

↑ 17.1%

Allen, TX

$1,271

Phoenix, AZ

$1,489

Difference

$218

📦Other

↓ 11.1%

Allen, TX

$1,886

Phoenix, AZ

$1,677

Difference

$208

less

🏥Healthcare

↓ 5.9%

Allen, TX

$625

Phoenix, AZ

$589

Difference

$36.89

less

🛒Groceries

↓ 0.6%

Allen, TX

$969

Phoenix, AZ

$963

Difference

$5.95

less

⚡All Utilities

↑ 0.7%

Allen, TX

$557

Phoenix, AZ

$561

Difference

$4.13

🏠Rent Comparison

Studio

From$1,699

To$1,390

↓ $309

1 Bed

From$1,774

To$1,510

↓ $264

2 Bed

From$2,073

To$1,750

↓ $323

3 Bed

From$2,615

To$2,330

↓ $285

Allen, TXZIP-level data

1BR range: $2,130–$2,130/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.

$7,646

Monthly in Allen, TX

$8,068

Monthly in Phoenix, AZ

$422

Difference

Home Values

Allen

Phoenix

$452K

Median Value

$414K

↓ -5.8%

YoY Change

↓ -3.1%

↑ +36.7%

5-Year Change

↑ +30.2%

$452K

Price Range

$274K - $957K

Homes in Phoenix are 8% less expensive than Allen

Calculate payment - Allen Calculate payment - Phoenix

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↓ $5.2K

More taxes

Monthly Difference

$436

Less take-home

Effective Rate Diff

3.5%

Rate difference

Allen, TX

Federal Income Tax

Effective: 18.9%

$25.5K

Texas State Tax

No state income tax

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 24.7%

$37.0K

Take-Home Pay

$9,416/month

$113.0K

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

Allen, TX Tax Rates

Sales Tax:8.2%

Property Tax:1.8%

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.