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Cost of Living Comparison 2026

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You'd spend $1.2K/month more in Phoenix, AZ

$150.0K in your current city equals $164.4K in Phoenix, AZ

Rent data from HUD ZIP-level estimates · COL index from Cincinnati, OH-KY-IN area
Overall Cost
16.0%
More expensive
Monthly Impact
$1,197
Extra cost
Annual Impact
$14.4K
Per year

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

Cincinnati, OH

Population:309K
Cost Index:100
Median Home:$225K

Phoenix, AZ

Population:1608K
Cost Index:116
Median Home:$414K

Cincinnati, OH

The Buckeye State

309K
Population
State Tax
Yes

Located in Ohio, this city has a population of 309K 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: Cincinnati, OH vs Phoenix, AZ

🏠Housing
34.1%
Cincinnati, OH
$2,079
Phoenix, AZ
$2,788
Difference
$709
more
🚗Transportation
22.5%
Cincinnati, OH
$1,216
Phoenix, AZ
$1,489
Difference
$273
more
All Utilities
20.8%
Cincinnati, OH
$464
Phoenix, AZ
$561
Difference
$96.72
more
📦Other
4.4%
Cincinnati, OH
$1,607
Phoenix, AZ
$1,677
Difference
$70.31
more
🛒Groceries
4.8%
Cincinnati, OH
$919
Phoenix, AZ
$963
Difference
$43.97
more
🏥Healthcare
4.4%
Cincinnati, OH
$564
Phoenix, AZ
$589
Difference
$24.78
more

🏛️ Local Income Taxes

Cincinnati, OH: Cincinnati Earnings Tax$2,700/yr (1.8%)

Phoenix, AZ has no local income tax.

Local taxes are in addition to state income tax. Not all cities levy local income taxes.

🏠Rent Comparison

Studio
From$850
To$1,390
$540
1 Bed
From$935
To$1,510
$575
2 Bed
From$1,200
To$1,750
$550
3 Bed
From$1,585
To$2,330
$745
Cincinnati, OHZIP-level data

1BR range: $760$1,580/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.

$6,849
Monthly in Cincinnati, OH
$8,068
Monthly in Phoenix, AZ
$1,218
Difference

Home Values

Cincinnati
Phoenix
$225K
Median Value
$414K
↑ +1.2%
YoY Change
↓ -3.1%
↑ +31.9%
5-Year Change
↑ +30.2%
$113K - $592K
Price Range
$274K - $957K

Homes in Phoenix are 84% more expensive than Cincinnati

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
$806
More taxes
Monthly Difference
$67.13
Less take-home
Effective Rate Diff
0.5%
Rate difference

Cincinnati, OH

Federal Income Tax
Effective: 18.9%
$25.5K
Ohio State Tax
Effective: 3.0%
$4.4K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 27.6%
$41.4K
Take-Home Pay
$9,047/month
$108.6K

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

Cincinnati, OH Tax Rates

Sales Tax:7.2%
Property Tax:1.6%

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

Cincinnati
Phoenix
52 Moderate
Air Quality
77 Moderate
44.8%
Good Air Days
9%
96 High
Climate Risk
100 Very High
🌊🌡🌪
Top Hazards
🔥🌊🌡
+3.1°F
2050 Outlook
+2.7°F
29 days
Heat Days >95°F
162 days
+3.1°F
2050 Outlook
+2.7°F
29 days
Heat Days >95°F
162 days

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

Where your money goes further

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Similar cost to Phoenix, AZ

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