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Cost of Living Comparison 2026

📍 Elmira, NY — ZIP-level rent data · COL adjusted from Newark, NJ area

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Numbers update automatically as you type

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

$150.0K in your current city equals $164.9K in Phoenix, AZ

Rent data from HUD ZIP-level estimates · COL index from area
Overall Cost
↑ 16.6%
More expensive
Monthly Impact
$1,242
Extra cost
Annual Impact
$14.9K
Per year

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

Elmira, NY

Population:26K
Cost Index:100
Median Home:$99K

Phoenix, AZ

Population:1608K
Cost Index:117
Median Home:$414K

Elmira, NY

The Empire State

26K
Population
State Tax
Yes

Located in New York, this city has a population of 26K 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: Elmira, NY vs Phoenix, AZ

🏠Housing
↑ 67.2%
Elmira, NY
$1,668
Phoenix, AZ
$2,788
Difference
$1,120
more
🚗Transportation
↑ 13.6%
Elmira, NY
$1,310
Phoenix, AZ
$1,489
Difference
$179
more
🏥Healthcare
↓ 5.5%
Elmira, NY
$623
Phoenix, AZ
$589
Difference
$34.08
less
🛒Groceries
↓ 3.2%
Elmira, NY
$995
Phoenix, AZ
$963
Difference
$31.94
less
⚡All Utilities
↑ 4.1%
Elmira, NY
$539
Phoenix, AZ
$561
Difference
$21.91
more
📦Other
↑ 1.0%
Elmira, NY
$1,661
Phoenix, AZ
$1,677
Difference
$16.85
more

🏠Rent Comparison

Studio
From$648
To$1,390
↑ $742
1 Bed
From$669
To$1,510
↑ $841
2 Bed
From$878
To$1,750
↑ $872
3 Bed
From$1,101
To$2,330
↑ $1,229
Elmira, NYZIP-level data

1BR range: $890–$1,040/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.

$6,796
Monthly in Elmira, NY
$8,068
Monthly in Phoenix, AZ
$1,272
Difference

Home Values

Elmira
Phoenix
$99K
Median Value
$414K
↓ -3.9%
YoY Change
↓ -3.1%
↑ +31.8%
5-Year Change
↑ +30.2%
$95K - $165K
Price Range
$274K - $957K

Homes in Phoenix are 320% more expensive than Elmira

Calculate payment - ElmiraCalculate payment - Phoenix

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↑ $4.3K
Per year
Monthly Difference
$359
More take-home
Effective Rate Diff
2.9%
Rate difference

Elmira, NY

Federal Income Tax
Effective: 18.9%
$25.5K
New York State Tax
Effective: 6.4%
$9.5K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 31.0%
$46.6K
Take-Home Pay
$8,620/month
$103.4K

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

Elmira, NY Tax Rates

Sales Tax:8.8%
Property Tax:1.2%

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.

Environment

Elmira
Phoenix
N/A
Air Quality
77 Moderate
-
Good Air Days
9%
98 High
Climate Risk
100 Very High
🌊🌡🌪
Top Hazards
🔥🌊🌡
▲+2.9°F
2050 Outlook
▲+2.7°F
15 days
Heat Days >95°F
162 days
▲+2.9°F
2050 Outlook
▲+2.7°F
15 days
Heat Days >95°F
162 days

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

Where your money goes further

Cities cheaper than Elmira, NY on a $150.0K salary

1.Indianapolis, IN
Save $130/mo
2.St. Louis, MO
Save $130/mo

Similar cost to Phoenix, AZ

Other cities in a similar price range

Denver, CORaleigh, NCCharlotte, NC

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