Is Phoenix, AZ cheaper than Apple Valley, MN?

Based on cost of living data, Phoenix, AZ is 2.1% more expensive than Apple Valley, MN. This translates to spending an extra $157 per month.

What salary do I need in Phoenix, AZ to live like I do in Apple Valley, MN?

If you earn $150,000 in Apple Valley, MN, you'd need approximately $151,882.897 in Phoenix, AZ to maintain the same standard of living.

How does housing cost compare between Apple Valley, MN and Phoenix, AZ?

Housing in Phoenix, AZ is 19.1% more expensive than in Apple Valley, MN. For a two-bedroom apartment, rent is $1,750/month in Phoenix, AZ compared to $1,604/month in Apple Valley, MN.

How much can I save per month by moving from Apple Valley, MN to Phoenix, AZ?

Living in Phoenix, AZ costs approximately $157 more per month than Apple Valley, MN, or $1883 more per year, based on a $150,000 salary.

Apple Valley, MN vs Phoenix, AZ: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Apple Valley, MN — ZIP-level rent data · COL adjusted from Saint Paul, MN area

Current salary in Apple Valley, MN

Numbers update automatically as you type

You'd spend $157/month more in Phoenix, AZ

$150.0K in your current city equals $151.9K in Phoenix, AZ

Rent data from HUD ZIP-level estimates · COL index from Minneapolis-St. Paul-Bloomington, MN-WI area

Overall Cost

↑ 2.1%

More expensive

Monthly Impact

$157

Extra cost

Annual Impact

$1.9K

Per year

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

Apple Valley, MN

Population:55K

Cost Index:100

Median Home:$365K

Phoenix, AZ

Population:1608K

Cost Index:102

Median Home:$414K

Apple Valley, MN

The North Star State

55K

Population

State Tax

Yes

Located in Minnesota, this city has a population of 55K 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: Apple Valley, MN vs Phoenix, AZ

Category	Apple Valley, MN	Phoenix, AZ	Difference	Change
🏠Housing	$2,342/mo	$2,788/mo	↑ $447more	19.1%
🚗Transportation	$1,328/mo	$1,489/mo	↑ $161more	12.1%
🏥Healthcare	$742/mo	$589/mo	↓ $153less	20.6%
⚡All Utilities	$499/mo	$561/mo	↑ $62.57more	12.5%
🛒Groceries	$1,010/mo	$963/mo	↓ $46.58less	4.6%
📦Other	$1,660/mo	$1,677/mo	↑ $17.41more	1.0%

🏠Housing

↑ 19.1%

Apple Valley, MN

$2,342

Phoenix, AZ

$2,788

Difference

$447

🚗Transportation

↑ 12.1%

Apple Valley, MN

$1,328

Phoenix, AZ

$1,489

Difference

$161

🏥Healthcare

↓ 20.6%

Apple Valley, MN

$742

Phoenix, AZ

$589

Difference

$153

less

⚡All Utilities

↑ 12.5%

Apple Valley, MN

$499

Phoenix, AZ

$561

Difference

$62.57

🛒Groceries

↓ 4.6%

Apple Valley, MN

$1,010

Phoenix, AZ

$963

Difference

$46.58

less

📦Other

↑ 1.0%

Apple Valley, MN

$1,660

Phoenix, AZ

$1,677

Difference

$17.41

🏠Rent Comparison

Studio

From$1,162

To$1,390

↑ $228

1 Bed

From$1,317

To$1,510

↑ $193

2 Bed

From$1,604

To$1,750

↑ $146

3 Bed

From$2,119

To$2,330

↑ $211

Apple Valley, MNZIP-level data

1BR range: $1,610–$1,610/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.

$7,580

Monthly in Apple Valley, MN

$8,068

Monthly in Phoenix, AZ

$488

Difference

Home Values

Apple Valley

Phoenix

$365K

Median Value

$414K

↑ +1%

YoY Change

↓ -3.1%

↑ +20.2%

5-Year Change

↑ +30.2%

$365K

Price Range

$274K - $957K

Homes in Phoenix are 13% more expensive than Apple Valley

Calculate payment - Apple Valley 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

Per year

Monthly Difference

$433

More take-home

Effective Rate Diff

3.5%

Rate difference

Apple Valley, MN

Federal Income Tax

Effective: 18.9%

$25.5K

Minnesota State Tax

Effective: 7.0%

$10.4K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 31.6%

$47.4K

Take-Home Pay

$8,546/month

$102.6K

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

Apple Valley, MN Tax Rates

Sales Tax:8.0%

Property Tax:1.1%

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.