Is Phoenix, AZ cheaper than Eugene, OR?

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

What salary do I need in Phoenix, AZ to live like I do in Eugene, OR?

If you earn $150,000 in Eugene, OR, you'd need approximately $148,994.455 in Phoenix, AZ to maintain the same standard of living.

How does housing cost compare between Eugene, OR and Phoenix, AZ?

Housing in Phoenix, AZ is 18.0% cheaper than in Eugene, OR. For a two-bedroom apartment, rent is $1,750/month in Phoenix, AZ compared to $1,208/month in Eugene, OR.

How much can I save per month by moving from Eugene, OR to Phoenix, AZ?

Moving from Eugene, OR to Phoenix, AZ could save you approximately $84 per month, or $1006 per year, based on a $150,000 salary.

Eugene, OR vs Phoenix, AZ: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Eugene, OR — ZIP-level rent data · COL adjusted from Portland, OR area

Current salary in Eugene, OR

Numbers update automatically as you type

You'd save $83.80/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 area

Overall Cost

↓ 1.1%

Less expensive

Monthly Impact

$83.80

Savings

Annual Impact

$1.0K

Per year

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

Eugene, OR

Population:178K

Cost Index:100

Median Home:$470K

Phoenix, AZ

Population:1608K

Cost Index:99

Median Home:$414K

Eugene, OR

The Beaver State

178K

Population

State Tax

Yes

Located in Oregon, this city has a population of 178K 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: Eugene, OR vs Phoenix, AZ

Category	Eugene, OR	Phoenix, AZ	Difference	Change
🏠Housing	$3,399/mo	$2,788/mo	↓ $610less	18.0%
⚡All Utilities	$426/mo	$561/mo	↑ $135more	31.7%
📦Other	$1,546/mo	$1,677/mo	↑ $132more	8.5%
🚗Transportation	$1,382/mo	$1,489/mo	↑ $107more	7.8%
🏥Healthcare	$594/mo	$589/mo	↓ $5.40less	0.9%
🛒Groceries	$958/mo	$963/mo	↑ $5.28more	0.6%

🏠Housing

↓ 18.0%

Eugene, OR

$3,399

Phoenix, AZ

$2,788

Difference

$610

less

⚡All Utilities

↑ 31.7%

Eugene, OR

$426

Phoenix, AZ

$561

Difference

$135

📦Other

↑ 8.5%

Eugene, OR

$1,546

Phoenix, AZ

$1,677

Difference

$132

🚗Transportation

↑ 7.8%

Eugene, OR

$1,382

Phoenix, AZ

$1,489

Difference

$107

🏥Healthcare

↓ 0.9%

Eugene, OR

$594

Phoenix, AZ

$589

Difference

$5.40

less

🛒Groceries

↑ 0.6%

Eugene, OR

$958

Phoenix, AZ

$963

Difference

$5.28

🏛️ Local Income Taxes

Eugene, OR: Lane Transit District Payroll Tax$315/yr (0.2%)

Phoenix, AZ has no local income tax.

Local taxes are in addition to state income tax. Not all cities levy local income taxes.

🏠Rent Comparison

Studio

From$873

To$1,390

↑ $517

1 Bed

From$921

To$1,510

↑ $589

2 Bed

From$1,208

To$1,750

↑ $542

3 Bed

From$1,682

To$2,330

↑ $648

Eugene, ORZIP-level data

1BR range: $1,300–$1,380/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.

$8,304

Monthly in Eugene, OR

$8,068

Monthly in Phoenix, AZ

$236

Difference

Home Values

Eugene

Phoenix

$470K

Median Value

$414K

↓ -0.3%

YoY Change

↓ -3.1%

↑ +27.2%

5-Year Change

↑ +30.2%

$391K - $592K

Price Range

$274K - $957K

Homes in Phoenix are 12% less expensive than Eugene

Calculate payment - Eugene Calculate payment - Phoenix

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $10.3K

Per year

Monthly Difference

$857

More take-home

Effective Rate Diff

6.9%

Rate difference

Eugene, OR

Federal Income Tax

Effective: 18.9%

$25.5K

Oregon State Tax

Effective: 10.3%

$15.5K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 35.0%

$52.5K

Take-Home Pay

$8,123/month

$97.5K

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

Eugene, OR Tax Rates

Sales Tax:0.0%

Property Tax:0.9%

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.