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Cost of Living Comparison 2026

📍 Carlsbad, NM — ZIP-level rent data · COL adjusted from El Paso, TX area

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Numbers update automatically as you type

You'd spend $2.1K/month more in Phoenix, AZ

$150.0K in your current city equals $175.0K in Phoenix, AZ

Rent data from HUD ZIP-level estimates · COL index from area
Overall Cost
↑ 27.8%
More expensive
Monthly Impact
$2,084
Extra cost
Annual Impact
$25.0K
Per year

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

Carlsbad, NM

Population:31K
Cost Index:100
Median Home:$233K

Phoenix, AZ

Population:1608K
Cost Index:128
Median Home:$414K

Carlsbad, NM

The Land of Enchantment

31K
Population
State Tax
Yes

Located in New Mexico, this city has a population of 31K 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: Carlsbad, NM vs Phoenix, AZ

🏠Housing
↑ 66.5%
Carlsbad, NM
$1,674
Phoenix, AZ
$2,788
Difference
$1,114
more
🚗Transportation
↑ 30.5%
Carlsbad, NM
$1,141
Phoenix, AZ
$1,489
Difference
$348
more
📦Other
↑ 11.4%
Carlsbad, NM
$1,506
Phoenix, AZ
$1,677
Difference
$172
more
🏥Healthcare
↑ 22.4%
Carlsbad, NM
$481
Phoenix, AZ
$589
Difference
$108
more
⚡All Utilities
↑ 20.5%
Carlsbad, NM
$466
Phoenix, AZ
$561
Difference
$95.29
more
🛒Groceries
↑ 7.1%
Carlsbad, NM
$900
Phoenix, AZ
$963
Difference
$63.44
more

🏠Rent Comparison

Studio
From$835
To$1,390
↑ $555
1 Bed
From$874
To$1,510
↑ $636
2 Bed
From$960
To$1,750
↑ $790
3 Bed
From$1,311
To$2,330
↑ $1,019
Carlsbad, NMZIP-level data

1BR range: $1,120–$1,120/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.

$6,167
Monthly in Carlsbad, NM
$8,068
Monthly in Phoenix, AZ
$1,901
Difference

Home Values

Carlsbad
Phoenix
$233K
Median Value
$414K
↓ -1.3%
YoY Change
↓ -3.1%
↓ -5.6%
5-Year Change
↑ +30.2%
$233K
Price Range
$274K - $957K

Homes in Phoenix are 77% more expensive than Carlsbad

Calculate payment - CarlsbadCalculate payment - Phoenix

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↑ $1.8K
Per year
Monthly Difference
$153
More take-home
Effective Rate Diff
1.2%
Rate difference

Carlsbad, NM

Federal Income Tax
Effective: 18.9%
$25.5K
New Mexico State Tax
Effective: 4.7%
$7.1K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 29.4%
$44.1K
Take-Home Pay
$8,826/month
$105.9K

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

Carlsbad, NM Tax Rates

Sales Tax:7.6%
Property Tax:0.8%

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.

Environment

Carlsbad
Phoenix
67 Moderate
Air Quality
77 Moderate
22.1%
Good Air Days
9%
95 High
Climate Risk
100 Very High
🌊🌡☀
Top Hazards
🔥🌊🌡
▲+2.7°F
2050 Outlook
▲+2.7°F
97 days
Heat Days >95°F
162 days
▲+2.7°F
2050 Outlook
▲+2.7°F
97 days
Heat Days >95°F
162 days

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

Similar cost to Phoenix, AZ

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