Is Phoenix, AZ cheaper than Commerce City, CO?

Based on cost of living data, Phoenix, AZ is 1.1% cheaper than Commerce City, CO. The two cities have very similar living costs.

What salary do I need in Phoenix, AZ to live like I do in Commerce City, CO?

If you earn $150,000 in Commerce City, CO, you'd need approximately $148,976.628 in Phoenix, AZ to maintain the same standard of living.

How does housing cost compare between Commerce City, CO and Phoenix, AZ?

Housing in Phoenix, AZ is 0.5% more expensive than in Commerce City, CO. For a two-bedroom apartment, rent is $1,750/month in Phoenix, AZ compared to $1,557/month in Commerce City, CO.

How much can I save per month by moving from Commerce City, CO to Phoenix, AZ?

Moving from Commerce City, CO to Phoenix, AZ could save you approximately $85 per month, or $1023 per year, based on a $150,000 salary.

Commerce City, CO vs Phoenix, AZ: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Commerce City, CO — ZIP-level rent data · COL adjusted from Denver, CO area

Current salary in Commerce City, CO

Numbers update automatically as you type

You'd save $85.28/month moving to Phoenix, AZ

$150.0K in your current city equals $149.0K in Phoenix, AZ

Rent data from HUD ZIP-level estimates · COL index from Denver-Aurora-Lakewood, CO area

Overall Cost

↓ 1.1%

Less expensive

Monthly Impact

$85.28

Savings

Annual Impact

$1.0K

Per year

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

Commerce City, CO

Population:68K

Cost Index:100

Median Home:$470K

Phoenix, AZ

Population:1608K

Cost Index:99

Median Home:$414K

Commerce City, CO

The Centennial State

68K

Population

State Tax

Yes

Located in Colorado, this city has a population of 68K 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: Commerce City, CO vs Phoenix, AZ

Category	Commerce City, CO	Phoenix, AZ	Difference	Change
🚗Transportation	$1,387/mo	$1,489/mo	↑ $102more	7.3%
⚡All Utilities	$506/mo	$561/mo	↑ $55.49more	11.0%
🛒Groceries	$1,003/mo	$963/mo	↓ $39.35less	3.9%
🏥Healthcare	$616/mo	$589/mo	↓ $27.04less	4.4%
🏠Housing	$2,774/mo	$2,788/mo	↑ $14.05more	0.5%
📦Other	$1,684/mo	$1,677/mo	↓ $6.55less	0.4%

🚗Transportation

↑ 7.3%

Commerce City, CO

$1,387

Phoenix, AZ

$1,489

Difference

$102

⚡All Utilities

↑ 11.0%

Commerce City, CO

$506

Phoenix, AZ

$561

Difference

$55.49

🛒Groceries

↓ 3.9%

Commerce City, CO

$1,003

Phoenix, AZ

$963

Difference

$39.35

less

🏥Healthcare

↓ 4.4%

Commerce City, CO

$616

Phoenix, AZ

$589

Difference

$27.04

less

🏠Housing

↑ 0.5%

Commerce City, CO

$2,774

Phoenix, AZ

$2,788

Difference

$14.05

📦Other

↓ 0.4%

Commerce City, CO

$1,684

Phoenix, AZ

$1,677

Difference

$6.55

less

🏠Rent Comparison

Studio

From$1,194

To$1,390

↑ $196

1 Bed

From$1,307

To$1,510

↑ $203

2 Bed

From$1,557

To$1,750

↑ $193

3 Bed

From$2,033

To$2,330

↑ $297

Commerce City, COZIP-level data

1BR range: $1,620–$1,620/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.

$7,969

Monthly in Commerce City, CO

$8,068

Monthly in Phoenix, AZ

$98.51

Difference

Home Values

Commerce City

Phoenix

$470K

Median Value

$414K

↓ -4.3%

YoY Change

↓ -3.1%

↑ +18.2%

5-Year Change

↑ +30.2%

$470K

Price Range

$274K - $957K

Homes in Phoenix are 12% less expensive than Commerce City

Calculate payment - Commerce City Calculate payment - Phoenix

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $1.4K

Per year

Monthly Difference

$114

More take-home

Effective Rate Diff

0.9%

Rate difference

Commerce City, CO

Federal Income Tax

Effective: 18.9%

$25.5K

Colorado State Tax

Effective: 4.4%

$6.6K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 29.1%

$43.6K

Take-Home Pay

$8,866/month

$106.4K

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

Commerce City, CO Tax Rates

Sales Tax:7.8%

Property Tax:0.5%

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.