Is Phoenix, AZ cheaper than Cleveland, TN?

Based on cost of living data, Phoenix, AZ is 13.6% more expensive than Cleveland, TN. This translates to spending an extra $1018 per month.

What salary do I need in Phoenix, AZ to live like I do in Cleveland, TN?

If you earn $150,000 in Cleveland, TN, you'd need approximately $162,210.898 in Phoenix, AZ to maintain the same standard of living.

How does housing cost compare between Cleveland, TN and Phoenix, AZ?

Housing in Phoenix, AZ is 37.7% more expensive than in Cleveland, TN. For a two-bedroom apartment, rent is $1,750/month in Phoenix, AZ compared to $889/month in Cleveland, TN.

How much can I save per month by moving from Cleveland, TN to Phoenix, AZ?

Living in Phoenix, AZ costs approximately $1018 more per month than Cleveland, TN, or $12211 more per year, based on a $150,000 salary.

Cleveland, TN vs Phoenix, AZ: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Cleveland, TN — ZIP-level rent data · COL adjusted from Atlanta, GA area

Current salary in Cleveland, TN

Numbers update automatically as you type

You'd spend $1.0K/month more in Phoenix, AZ

$150.0K in your current city equals $162.2K in Phoenix, AZ

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

Overall Cost

↑ 13.6%

More expensive

Monthly Impact

$1,018

Extra cost

Annual Impact

$12.2K

Per year

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

Cleveland, TN

Population:49K

Cost Index:100

Median Home:$291K

Phoenix, AZ

Population:1608K

Cost Index:114

Median Home:$414K

Cleveland, TN

The Volunteer State

49K

Population

State Tax

No Income Tax

Located in Tennessee, this city has a population of 49K residents.

💡 Advantage: Tennessee has no state income tax!

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: Cleveland, TN vs Phoenix, AZ

Category	Cleveland, TN	Phoenix, AZ	Difference	Change
🏠Housing	$2,025/mo	$2,788/mo	↑ $763more	37.7%
🚗Transportation	$1,241/mo	$1,489/mo	↑ $248more	20.0%
🛒Groceries	$888/mo	$963/mo	↑ $75.09more	8.5%
🏥Healthcare	$545/mo	$589/mo	↑ $43.62more	8.0%
📦Other	$1,650/mo	$1,677/mo	↑ $27.01more	1.6%
⚡All Utilities	$541/mo	$561/mo	↑ $19.83more	3.7%

🏠Housing

↑ 37.7%

Cleveland, TN

$2,025

Phoenix, AZ

$2,788

Difference

$763

🚗Transportation

↑ 20.0%

Cleveland, TN

$1,241

Phoenix, AZ

$1,489

Difference

$248

🛒Groceries

↑ 8.5%

Cleveland, TN

$888

Phoenix, AZ

$963

Difference

$75.09

🏥Healthcare

↑ 8.0%

Cleveland, TN

$545

Phoenix, AZ

$589

Difference

$43.62

📦Other

↑ 1.6%

Cleveland, TN

$1,650

Phoenix, AZ

$1,677

Difference

$27.01

⚡All Utilities

↑ 3.7%

Cleveland, TN

$541

Phoenix, AZ

$561

Difference

$19.83

🏠Rent Comparison

Studio

From$612

To$1,390

↑ $778

1 Bed

From$678

To$1,510

↑ $832

2 Bed

From$889

To$1,750

↑ $861

3 Bed

From$1,144

To$2,330

↑ $1,186

Cleveland, TNZIP-level data

1BR range: $930–$1,080/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.

$6,891

Monthly in Cleveland, TN

$8,068

Monthly in Phoenix, AZ

$1,177

Difference

Home Values

Cleveland

Phoenix

$291K

Median Value

$414K

↑ +0.5%

YoY Change

↓ -3.1%

↑ +45.9%

5-Year Change

↑ +30.2%

$243K - $340K

Price Range

$274K - $957K

Homes in Phoenix are 42% more expensive than Cleveland

Calculate payment - Cleveland 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

More taxes

Monthly Difference

$436

Less take-home

Effective Rate Diff

3.5%

Rate difference

Cleveland, TN

Federal Income Tax

Effective: 18.9%

$25.5K

Tennessee State Tax

No state income tax

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 24.7%

$37.0K

Take-Home Pay

$9,416/month

$113.0K

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

Cleveland, TN Tax Rates

Sales Tax:9.5%

Property Tax:0.7%

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.