Is Phoenix, AZ cheaper than Belvidere, IL?

Based on cost of living data, Phoenix, AZ is 7.2% more expensive than Belvidere, IL. This translates to spending an extra $537 per month.

What salary do I need in Phoenix, AZ to live like I do in Belvidere, IL?

If you earn $150,000 in Belvidere, IL, you'd need approximately $156,446.395 in Phoenix, AZ to maintain the same standard of living.

How does housing cost compare between Belvidere, IL and Phoenix, AZ?

Housing in Phoenix, AZ is 22.6% more expensive than in Belvidere, IL. For a two-bedroom apartment, rent is $1,750/month in Phoenix, AZ compared to $920/month in Belvidere, IL.

How much can I save per month by moving from Belvidere, IL to Phoenix, AZ?

Living in Phoenix, AZ costs approximately $537 more per month than Belvidere, IL, or $6446 more per year, based on a $150,000 salary.

Belvidere, IL vs Phoenix, AZ: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Belvidere, IL — ZIP-level rent data · COL adjusted from Madison, WI area

Current salary in Belvidere, IL

Numbers update automatically as you type

You'd spend $537/month more in Phoenix, AZ

$150.0K in your current city equals $156.4K in Phoenix, AZ

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

Overall Cost

↑ 7.2%

More expensive

Monthly Impact

$537

Extra cost

Annual Impact

$6.4K

Per year

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

Belvidere, IL

Population:25K

Cost Index:100

Median Home:$249K

Phoenix, AZ

Population:1608K

Cost Index:107

Median Home:$414K

Belvidere, IL

The Prairie State

25K

Population

State Tax

Yes

Located in Illinois, this city has a population of 25K 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: Belvidere, IL vs Phoenix, AZ

Category	Belvidere, IL	Phoenix, AZ	Difference	Change
🏠Housing	$2,274/mo	$2,788/mo	↑ $515more	22.6%
🚗Transportation	$1,290/mo	$1,489/mo	↑ $199more	15.4%
🏥Healthcare	$688/mo	$589/mo	↓ $99.70less	14.5%
⚡All Utilities	$487/mo	$561/mo	↑ $74.50more	15.3%
🛒Groceries	$919/mo	$963/mo	↑ $44.59more	4.9%
📦Other	$1,643/mo	$1,677/mo	↑ $34.54more	2.1%

🏠Housing

↑ 22.6%

Belvidere, IL

$2,274

Phoenix, AZ

$2,788

Difference

$515

🚗Transportation

↑ 15.4%

Belvidere, IL

$1,290

Phoenix, AZ

$1,489

Difference

$199

🏥Healthcare

↓ 14.5%

Belvidere, IL

$688

Phoenix, AZ

$589

Difference

$99.70

less

⚡All Utilities

↑ 15.3%

Belvidere, IL

$487

Phoenix, AZ

$561

Difference

$74.50

🛒Groceries

↑ 4.9%

Belvidere, IL

$919

Phoenix, AZ

$963

Difference

$44.59

📦Other

↑ 2.1%

Belvidere, IL

$1,643

Phoenix, AZ

$1,677

Difference

$34.54

🏠Rent Comparison

Studio

From$631

To$1,390

↑ $759

1 Bed

From$702

To$1,510

↑ $808

2 Bed

From$920

To$1,750

↑ $830

3 Bed

From$1,216

To$2,330

↑ $1,114

Belvidere, ILZIP-level data

1BR range: $900–$900/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.

$7,301

Monthly in Belvidere, IL

$8,068

Monthly in Phoenix, AZ

$767

Difference

Home Values

Belvidere

Phoenix

$249K

Median Value

$414K

↑ +6%

YoY Change

↓ -3.1%

↑ +47.9%

5-Year Change

↑ +30.2%

$249K

Price Range

$274K - $957K

Homes in Phoenix are 66% more expensive than Belvidere

Calculate payment - Belvidere Calculate payment - Phoenix

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $2.2K

Per year

Monthly Difference

$183

More take-home

Effective Rate Diff

1.5%

Rate difference

Belvidere, IL

Federal Income Tax

Effective: 18.9%

$25.5K

Illinois State Tax

Effective: 5.0%

$7.4K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 29.6%

$44.4K

Take-Home Pay

$8,797/month

$105.6K

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

Belvidere, IL Tax Rates

Sales Tax:8.8%

Property Tax:2.2%

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.