Is Phoenix, AZ cheaper than Crystal Lake, IL?

Based on cost of living data, Phoenix, AZ is 7.9% more expensive than Crystal Lake, IL. This translates to spending an extra $590 per month.

What salary do I need in Phoenix, AZ to live like I do in Crystal Lake, IL?

If you earn $150,000 in Crystal Lake, IL, you'd need approximately $157,075.432 in Phoenix, AZ to maintain the same standard of living.

How does housing cost compare between Crystal Lake, IL and Phoenix, AZ?

Housing in Phoenix, AZ is 14.2% more expensive than in Crystal Lake, IL. For a two-bedroom apartment, rent is $1,750/month in Phoenix, AZ compared to $1,433/month in Crystal Lake, IL.

How much can I save per month by moving from Crystal Lake, IL to Phoenix, AZ?

Living in Phoenix, AZ costs approximately $590 more per month than Crystal Lake, IL, or $7075 more per year, based on a $150,000 salary.

Crystal Lake, IL vs Phoenix, AZ: Cost of Living Comparison 2026

MoveNumbers

Tap to swap

Cost of Living Comparison 2026

📍 Crystal Lake, IL — ZIP-level rent data · COL adjusted from Chicago, IL area

Current salary in Crystal Lake, IL

Numbers update automatically as you type

You'd spend $590/month more in Phoenix, AZ

$150.0K in your current city equals $157.1K in Phoenix, AZ

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

Overall Cost

↑ 7.9%

More expensive

Monthly Impact

$590

Extra cost

Annual Impact

$7.1K

Per year

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

Crystal Lake, IL

Population:41K

Cost Index:100

Median Home:$408K

Phoenix, AZ

Population:1608K

Cost Index:108

Median Home:$414K

Crystal Lake, IL

The Prairie State

41K

Population

State Tax

Yes

Located in Illinois, 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: Crystal Lake, IL vs Phoenix, AZ

Category	Crystal Lake, IL	Phoenix, AZ	Difference	Change
🏠Housing	$2,443/mo	$2,788/mo	↑ $346more	14.2%
📦Other	$1,556/mo	$1,677/mo	↑ $122more	7.8%
⚡All Utilities	$488/mo	$561/mo	↑ $72.81more	14.9%
🏥Healthcare	$560/mo	$589/mo	↑ $29.02more	5.2%
🛒Groceries	$968/mo	$963/mo	↓ $5.01less	0.5%
🚗Transportation	$1,487/mo	$1,489/mo	↑ $1.83more	0.1%

🏠Housing

↑ 14.2%

Crystal Lake, IL

$2,443

Phoenix, AZ

$2,788

Difference

$346

📦Other

↑ 7.8%

Crystal Lake, IL

$1,556

Phoenix, AZ

$1,677

Difference

$122

⚡All Utilities

↑ 14.9%

Crystal Lake, IL

$488

Phoenix, AZ

$561

Difference

$72.81

🏥Healthcare

↑ 5.2%

Crystal Lake, IL

$560

Phoenix, AZ

$589

Difference

$29.02

🛒Groceries

↓ 0.5%

Crystal Lake, IL

$968

Phoenix, AZ

$963

Difference

$5.01

less

🚗Transportation

↑ 0.1%

Crystal Lake, IL

$1,487

Phoenix, AZ

$1,489

Difference

$1.83

🏠Rent Comparison

Studio

From$1,189

To$1,390

↑ $201

1 Bed

From$1,275

To$1,510

↑ $235

2 Bed

From$1,433

To$1,750

↑ $317

3 Bed

From$1,843

To$2,330

↑ $487

Crystal Lake, ILZIP-level data

1BR range: $1,610–$1,780/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.

$7,502

Monthly in Crystal Lake, IL

$8,068

Monthly in Phoenix, AZ

$566

Difference

Home Values

Crystal Lake

Phoenix

$408K

Median Value

$414K

↑ +5%

YoY Change

↓ -3.1%

↑ +46.8%

5-Year Change

↑ +30.2%

$349K - $466K

Price Range

$274K - $957K

Homes in Phoenix are 2% more expensive than Crystal Lake

Calculate payment - Crystal Lake Calculate payment - Phoenix

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $2.2K

Per year

Monthly Difference

$183

More take-home

Effective Rate Diff

1.5%

Rate difference

Crystal Lake, IL

Federal Income Tax

Effective: 18.9%

$25.5K

Illinois State Tax

Effective: 5.0%

$7.4K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 29.6%

$44.4K

Take-Home Pay

$8,797/month

$105.6K

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

Crystal Lake, IL Tax Rates

Sales Tax:8.8%

Property Tax:2.2%

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.