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Cost of Living Comparison 2026

📍 Cape Girardeau, MO — ZIP-level rent data · COL adjusted from St. Louis, MO area

$

Numbers update automatically as you type

You'd spend $1.4K/month more in Phoenix, AZ

$150.0K in your current city equals $166.8K in Phoenix, AZ

Rent data from HUD ZIP-level estimates · COL index from area
Overall Cost
↑ 18.7%
More expensive
Monthly Impact
$1,399
Extra cost
Annual Impact
$16.8K
Per year

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

Cape Girardeau, MO

Population:41K
Cost Index:100
Median Home:$235K

Phoenix, AZ

Population:1608K
Cost Index:119
Median Home:$414K

Cape Girardeau, MO

The Show-Me State

41K
Population
State Tax
Yes

Located in Missouri, this city has a population of 41K 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: Cape Girardeau, MO vs Phoenix, AZ

🏠Housing
↑ 65.6%
Cape Girardeau, MO
$1,684
Phoenix, AZ
$2,788
Difference
$1,105
more
🚗Transportation
↑ 22.5%
Cape Girardeau, MO
$1,215
Phoenix, AZ
$1,489
Difference
$274
more
📦Other
↑ 4.4%
Cape Girardeau, MO
$1,607
Phoenix, AZ
$1,677
Difference
$70.72
more
🏥Healthcare
↑ 11.8%
Cape Girardeau, MO
$527
Phoenix, AZ
$589
Difference
$62.02
more
⚡All Utilities
↑ 4.8%
Cape Girardeau, MO
$535
Phoenix, AZ
$561
Difference
$25.75
more
🛒Groceries
↑ 1.5%
Cape Girardeau, MO
$949
Phoenix, AZ
$963
Difference
$14.11
more

🏠Rent Comparison

Studio
From$663
To$1,390
↑ $727
1 Bed
From$697
To$1,510
↑ $813
2 Bed
From$858
To$1,750
↑ $892
3 Bed
From$1,190
To$2,330
↑ $1,140
Cape Girardeau, MOZIP-level data

1BR range: $820–$820/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.

$6,517
Monthly in Cape Girardeau, MO
$8,068
Monthly in Phoenix, AZ
$1,551
Difference

Home Values

Cape Girardeau
Phoenix
$235K
Median Value
$414K
↑ +4.3%
YoY Change
↓ -3.1%
↑ +31.3%
5-Year Change
↑ +30.2%
$235K
Price Range
$274K - $957K

Homes in Phoenix are 76% more expensive than Cape Girardeau

Calculate payment - Cape GirardeauCalculate payment - Phoenix

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↑ $2.7K
Per year
Monthly Difference
$225
More take-home
Effective Rate Diff
1.8%
Rate difference

Cape Girardeau, MO

Federal Income Tax
Effective: 18.9%
$25.5K
Missouri State Tax
Effective: 5.3%
$7.9K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 30.0%
$44.9K
Take-Home Pay
$8,755/month
$105.1K

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

Cape Girardeau, MO Tax Rates

Sales Tax:8.2%
Property Tax:1.0%

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.

Environment

Cape Girardeau
Phoenix
54 Moderate
Air Quality
77 Moderate
38%
Good Air Days
9%
99 High
Climate Risk
100 Very High
🌊🌡🫨
Top Hazards
🔥🌊🌡
▲+3.0°F
2050 Outlook
▲+2.7°F
39 days
Heat Days >95°F
162 days
▲+3.0°F
2050 Outlook
▲+2.7°F
39 days
Heat Days >95°F
162 days

💰 See how taxes change too — compare take-home pay between Missouri and Arizona on TaxTakeHome.com

Similar cost to Phoenix, AZ

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