Flagstaff, AZ vs The Colony, TX: Cost of Living

Which city costs less?

The Colony, TX has a modeled overall cost index 1.3% lower than Flagstaff, AZ.

Flagstaff, AZ · modeled 2BR rent: $2,110 / month
The Colony, TX · modeled 2BR rent: $2,220 / month

These are saved estimates, not current rental listings. Some cities use adjusted regional data. Your household budget can differ from the overall index. Sources and assumptions

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Cost of Living Comparison 2026

Compare Flagstaff, AZ and The Colony, TX using saved regional data and explicit budgeting assumptions. Rent estimates are not live listings. Change the salary below, then check the source notes before applying a result to your household.

Saved regional estimates · Sources and assumptions

Current salary in Flagstaff, AZ

Numbers update automatically as you type

Estimated savings: $31.10/month in The Colony, TX

$150,000 in your current city has a modeled equivalent of $149,627 in The Colony, TX

Regional cost estimates: Flagstaff, AZ uses Scottsdale, AZ. The Colony, TX uses Plano, TX. Available city ZIP rent estimates are shown separately.

Overall Cost

↓ 1.3%

Less expensive

Monthly Impact

$31.10

Savings

Annual Impact

$373

Per year

Assumes 60% of current gross income goes to living costs. The headline uses the category budget below; taxes, moving costs and savings goals are excluded.

Flagstaff, AZ

Population:77K

Cost Index:

103.1

100 = national average

Typical Home:$631K

The Colony, TX

Population:45K

Cost Index:

101.8

100 = national average

Typical Home:$481K

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Flagstaff, AZ

The Grand Canyon State

77K

Population

State Tax

Yes

Located in Arizona, this city has a population of 77K residents.

The Colony, TX

The Lone Star State

45K

Population

State Tax

No Income Tax

Located in Texas, this city has a population of 45K residents.

💡 Advantage: Texas has no state income tax!

Cost Breakdown by Category

Estimated monthly spending: Flagstaff, AZ vs The Colony, TX

Assumes 60% of your current gross income is spent on these categories. The headline and totals use this same budget. Rent estimates below are separate reference data. Rounded amounts may differ by $1.

Category	Flagstaff, AZ	The Colony, TX	Difference	Change
Housing	$2,742/mo	$2,276/mo	↓ $466less	17.0%
Other	$1,647/mo	$1,837/mo	↑ $190more	11.5%
Groceries	$866/mo	$954/mo	↑ $87.74more	10.1%
Healthcare	$531/mo	$615/mo	↑ $84.13more	15.8%
All Utilities	$493/mo	$548/mo	↑ $54.86more	11.1%
Transportation	$1,221/mo	$1,238/mo	↑ $17.62more	1.4%

Housing

↓ 17.0%

Flagstaff, AZ

$2,742

The Colony, TX

$2,276

Difference

$466

less

Other

↑ 11.5%

Flagstaff, AZ

$1,647

The Colony, TX

$1,837

Difference

$190

Groceries

↑ 10.1%

Flagstaff, AZ

$866

The Colony, TX

$954

Difference

$87.74

Healthcare

↑ 15.8%

Flagstaff, AZ

$531

The Colony, TX

$615

Difference

$84.13

All Utilities

↑ 11.1%

Flagstaff, AZ

$493

The Colony, TX

$548

Difference

$54.86

Transportation

↑ 1.4%

Flagstaff, AZ

$1,221

The Colony, TX

$1,238

Difference

$17.62

🏠Rent Comparison

Studio

From$1,755

To$1,820

↑ $65.00

1 Bed

From$1,895

To$1,890

↓ $5.00

2 Bed

From$2,110

To$2,220

↑ $110

3 Bed

From$2,570

To$2,800

↑ $230

Flagstaff, AZZIP-level data

1BR range: $1,850–$1,940/mo

The Colony, TXZIP-level data

1BR range: $1,890–$1,890/mo

💡 Note: HUD Fair Market Rents estimate 40th-percentile gross rents, including most tenant-paid utilities. City ZIP summaries are medians of those estimates, not market median rents. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$7,500

Monthly in Flagstaff, AZ

$7,469

Monthly in The Colony, TX

$31.10

Difference

Home Values

Flagstaff

The Colony

$631K

Median Value

$481K

↑ +0.7%

YoY Change

↓ -4.8%

↑ +46.8%

5-Year Change

↑ +37.1%

$611K - $651K

Price Range

$481K

Homes in The Colony are 24% less expensive than Flagstaff

Calculate payment - Flagstaff Calculate payment - The Colony

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $5.2K

Per year

Monthly Difference

$436

More take-home

Effective Rate Diff

3.5%

Rate difference

Flagstaff, 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

The Colony, TX

Federal Income Tax

Effective: 18.9%

$25.5K

Texas State Tax

No state income tax

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 24.7%

$37.0K

Take-Home Pay

$9,416/month

$113.0K

Additional Tax Information

Flagstaff, AZ Tax Rates

Sales Tax:8.5%

Property Tax:0.6%

The Colony, TX Tax Rates

Sales Tax:8.2%

Property Tax:1.8%

💡 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

Flagstaff

The Colony

77 Moderate

Air Quality

40 Good

Good Air Days

77.5%

100 Very High

Climate Risk

99 High

🔥🌊🌡

Top Hazards

🌊🌡🌪

▲+2.7°F

2050 Outlook

▲+2.7°F

161 days

Heat Days >95°F

81 days

▲+2.7°F

2050 Outlook

▲+2.7°F

161 days

Heat Days >95°F

81 days

Before moving from Flagstaff, AZ to The Colony, TX

Use this comparison to shortlist a move, then check the costs that depend on your household.

Compare actual homes. Get current quotes in The Colony, TX for the same bedroom count and included utilities as your home in Flagstaff, AZ. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
Confirm your income. Check your expected pay with your employer, including any location adjustment. Use “Different salary at destination?” above to compare two incomes. The budget model excludes taxes and one-time moving costs; it is not a take-home-pay calculation.
Price your daily routine. Check the commute from a specific address to work, school or childcare. Add household expenses missing from this model, such as childcare, debt payments and medical needs. Verify local services before signing a lease.
Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Flagstaff to The Colony moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to The Colony, TX by cost, housing, population and region.

Frequently Asked Questions: Flagstaff, AZ vs The Colony, TX

How do the cost estimates for Flagstaff, AZ and The Colony, TX compare?

The Colony, TX has a modeled overall cost index 1.3% lower than Flagstaff, AZ. This is a broad model comparison, not a survey of today's prices or a forecast of your household spending. Some cities use adjusted regional fallback data.

What does the equivalent salary mean?

At a $150,000 salary in Flagstaff, AZ, the model estimates $149,627 in The Colony, TX. It allocates 60% of gross income to the origin city’s category budget and applies each destination category’s relative cost. The equivalent salary adds the total category difference to your income. The monthly difference is the same category difference divided by 12; it is not take-home pay or guaranteed savings. Household size, childcare and your actual lease are not inputs to this calculation.

What rent estimates are available for Flagstaff, AZ and The Colony, TX?

The modeled two-bedroom rents are $2,110/month in Flagstaff, AZ and $2,220/month in The Colony, TX. Where available, the source is a city median of HUD FY2026 ZIP-level estimates; otherwise a saved metro table is used. City adjustments may also apply. These are not asking rents or available listings. Compare actual properties with the same bedroom count and included utilities.

How should I use this comparison before moving?

Use it to shortlist locations, then replace modeled costs with a current housing quote, employer-confirmed income, commute costs, insurance and your household's other expenses. Add one-time moving costs separately. Source years differ and the saved datasets are not a live price feed. Read the methodology for the formulas and fallback rules.

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