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Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

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You'd save $379/month moving to Phoenix, AZ

$150.0K in your current city equals $145.5K in Phoenix, AZ

Rent data from HUD ZIP-level estimates Β· COL index from Miami-Fort Lauderdale-Pompano Beach, FL area
Overall Cost
↓ 5.1%
Less expensive
Monthly Impact
$379
Savings
Annual Impact
$4.5K
Per year

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

Deerfield Beach, FL

Population:87K
Cost Index:
100
100 = national average
Median Home:$285K

Phoenix, AZ

Population:1608K
Cost Index:
95
(5% below avg)
Median Home:$414K

Deerfield Beach, FL

The Sunshine State

87K
Population
State Tax
No Income Tax

Located in Florida, this city has a population of 87K residents.

πŸ’‘ Advantage: Florida has no state income tax!

Phoenix, AZ

The Grand Canyon State

1.6M
Population
State Tax
Yes
Climate
Hot desert

Notable Facts

  • β€’Fastest growing major city
  • β€’Desert metropolis
  • β€’Spring training capital

Major Industries

TechnologyHealthcareTourismManufacturing

Cost Breakdown by Category

Annual spending: Deerfield Beach, FL vs Phoenix, AZ

Other
↓ 10.2%
Deerfield Beach, FL
$1,868
Phoenix, AZ
$1,677
Difference
$191
less
Groceries
↓ 9.4%
Deerfield Beach, FL
$1,063
Phoenix, AZ
$963
Difference
$99.86
less
Transportation
↑ 5.0%
Deerfield Beach, FL
$1,418
Phoenix, AZ
$1,489
Difference
$70.47
more
All Utilities
↑ 9.7%
Deerfield Beach, FL
$511
Phoenix, AZ
$561
Difference
$49.79
more
Housing
↓ 1.7%
Deerfield Beach, FL
$2,837
Phoenix, AZ
$2,788
Difference
$48.81
less
Healthcare
↑ 1.5%
Deerfield Beach, FL
$580
Phoenix, AZ
$589
Difference
$8.75
more

🏠Rent Comparison

Studio
From$1,419
To$1,390
↓ $29.00
1 Bed
From$1,547
To$1,510
↓ $37.00
2 Bed
From$1,910
To$1,750
↓ $160
3 Bed
From$2,631
To$2,330
↓ $301
Deerfield Beach, FLZIP-level data

1BR range: $1,660–$2,090/mo

Phoenix, AZZIP-level data

1BR range: $1,300–$2,380/mo

πŸ’‘ 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.

$8,278
Monthly in Deerfield Beach, FL
$8,068
Monthly in Phoenix, AZ
$211
Difference

Home Values

Deerfield Beach
Phoenix
$285K
Median Value
$414K
↓ -9.7%
YoY Change
↓ -3.1%
↑ +29.5%
5-Year Change
↑ +30.2%
$183K - $386K
Price Range
$274K - $957K

Homes in Phoenix are 45% more expensive than Deerfield Beach

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

Deerfield Beach, FL

Federal Income Tax
Effective: 18.9%
$25.5K
Florida State Tax
No state income tax
$0
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

Deerfield Beach, FL Tax Rates

Sales Tax:7.2%
Property Tax:0.8%

Phoenix, AZ Tax Rates

Sales Tax:8.5%
Property Tax:0.6%

πŸ’‘ 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

Deerfield Beach
Phoenix
48 Good
Air Quality
77 Moderate
59.8%
Good Air Days
9%
100 Very High
Climate Risk
100 Very High
πŸŒŠπŸŒ…πŸŒ€
Top Hazards
πŸ”₯🌊🌑
β–²+2.3Β°F
2050 Outlook
β–²+2.7Β°F
22 days
Heat Days >95Β°F
162 days
β–²+2.3Β°F
2050 Outlook
β–²+2.7Β°F
22 days
Heat Days >95Β°F
162 days

What to Consider When Moving from Deerfield Beach, FL to Phoenix, AZ

Relocating from Deerfield Beach, FL to Phoenix, AZ involves more than just comparing rent prices. While the overall cost of living is about 5% lower in Phoenix, AZ, your actual experience will depend on your lifestyle, job situation, and priorities. Here are the key factors to weigh before making the move.

Housing & Rent

Housing is typically the largest line item in any budget, and it’s where the biggest differences show up between cities. In this comparison, housing in Phoenix, AZ is 2% cheaper than in Deerfield Beach, FL. Keep in mind that neighborhood choice within a city can swing rent by 30–50%, so research specific areas β€” not just city averages β€” before signing a lease. If you’re buying, factor in property tax rates, which vary significantly by county and state.

Job Market & Salary Adjustments

A lower cost of living doesn’t help if your salary drops proportionally. Before committing to a move, research whether employers in Phoenix, AZ pay comparable wages for your role. Remote workers may keep their current salary, but some companies adjust pay based on location. Use the salary calculator above to see what you’d need to earn in Phoenix, AZ to match your current standard of living in Deerfield Beach, FL.

Taxes & Take-Home Pay

State income tax, property tax, and sales tax all affect how far your paycheck stretches. Some states have no income tax but make up for it with higher property or sales taxes. The tax comparison section above breaks down how your take-home pay would change. Don’t forget about vehicle registration fees, tolls, and other state-specific costs that add up over a year.

Quality of Life & Lifestyle Fit

Numbers only tell part of the story. Consider climate preferences, commute times, proximity to family, school quality if you have children, healthcare access, and the general β€œfeel” of a city. A place that’s 15% cheaper might not be worth it if it means a longer commute or fewer amenities you value. If possible, visit Phoenix, AZ for a week before making a final decision β€” experiencing the day-to-day rhythm matters more than any spreadsheet.

Frequently Asked Questions: Deerfield Beach, FL vs Phoenix, AZ

Is Phoenix, AZ cheaper than Deerfield Beach, FL?

Yes, Phoenix, AZ is about 5.1% cheaper than Deerfield Beach, FL. You could save approximately $379/month on a $150,000 salary. Housing costs are 2% lower in Phoenix, AZ.

What salary do I need in Phoenix, AZ to match my lifestyle in Deerfield Beach, FL?

If you currently earn $150,000 in Deerfield Beach, FL, you would need approximately $145,452 in Phoenix, AZ to maintain the same standard of living. This accounts for differences in housing, groceries, transportation, utilities, healthcare, and other typical expenses. Use the salary input above to adjust this based on your actual income.

How does rent compare between Deerfield Beach, FL and Phoenix, AZ?

A two-bedroom apartment averages $1,910/month in Deerfield Beach, FL compared to $1,750/month in Phoenix, AZ. One-bedroom apartments are $1,547/month in Deerfield Beach, FL vs $1,510/month in Phoenix, AZ. These are area-wide medians β€” specific neighborhoods can vary significantly. Check the ZIP-level rent breakdown above for more granular data.

Are groceries more expensive in Deerfield Beach, FL or Phoenix, AZ?

Groceries are about 9% cheaper in Phoenix, AZ than in Deerfield Beach, FL, saving a typical household roughly $99.86/month on food.

What is the best time to move from Deerfield Beach, FL to Phoenix, AZ?

Most people find that moving during the off-season (October through March) results in lower moving costs, since demand for movers and rental trucks drops. If you're renting, you may also find more negotiable lease terms during winter months. However, if you have school-age children, summer moves allow for a smoother school transition. For the best combination of availability and price, consider moving in early fall or late spring.

πŸ’° See how taxes change too β€” compare take-home pay between Florida and Arizona on TaxTakeHome.com

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