Is Surprise, AZ cheaper than Frisco, TX?

Based on cost of living data, Surprise, AZ is 4.7% cheaper than Frisco, TX. This translates to saving $354 per month.

What salary do I need in Surprise, AZ to live like I do in Frisco, TX?

If you earn $150,000 in Frisco, TX, you'd need approximately $145,754.717 in Surprise, AZ to maintain the same standard of living.

How does housing cost compare between Frisco, TX and Surprise, AZ?

Housing in Surprise, AZ is 2.0% cheaper than in Frisco, TX. For a two-bedroom apartment, rent is $2,190/month in Surprise, AZ compared to $2,540/month in Frisco, TX.

How much can I save per month by moving from Frisco, TX to Surprise, AZ?

Moving from Frisco, TX to Surprise, AZ could save you approximately $354 per month, or $4245 per year, based on a $150,000 salary.

Frisco, TX vs Surprise, AZ: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

Current salary in Frisco, TX

Numbers update automatically as you type

You'd save $354/month moving to Surprise, AZ

$150.0K in your current city equals $145.8K in Surprise, AZ

Rent data from HUD ZIP-level estimates · COL index from Dallas-Fort Worth-Arlington, TX area

Overall Cost

↓ 4.7%

Less expensive

Monthly Impact

$354

Savings

Annual Impact

$4.2K

Per year

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

Frisco, TX

Population:225K

Cost Index:

100

100 = national average

Median Home:$661K

Surprise, AZ

Population:158K

Cost Index:

(5% below avg)

Median Home:$385K

Frisco, TX

The Lone Star State

225K

Population

State Tax

No Income Tax

Located in Texas, this city has a population of 225K residents.

💡 Advantage: Texas has no state income tax!

Surprise, AZ

The Grand Canyon State

158K

Population

State Tax

Yes

Located in Arizona, this city has a population of 158K residents.

Cost Breakdown by Category

Annual spending: Frisco, TX vs Surprise, AZ

Category	Frisco, TX	Surprise, AZ	Difference	Change
Other	$1,925/mo	$1,674/mo	↓ $251less	13.0%
Transportation	$1,298/mo	$1,489/mo	↑ $191more	14.7%
Housing	$2,651/mo	$2,599/mo	↓ $51.97less	2.0%
Healthcare	$632/mo	$589/mo	↓ $43.37less	6.9%
Groceries	$979/mo	$959/mo	↓ $19.99less	2.0%
All Utilities	$563/mo	$546/mo	↓ $16.39less	2.9%

Other

↓ 13.0%

Frisco, TX

$1,925

Surprise, AZ

$1,674

Difference

$251

less

Transportation

↑ 14.7%

Frisco, TX

$1,298

Surprise, AZ

$1,489

Difference

$191

Housing

↓ 2.0%

Frisco, TX

$2,651

Surprise, AZ

$2,599

Difference

$51.97

less

Healthcare

↓ 6.9%

Frisco, TX

$632

Surprise, AZ

$589

Difference

$43.37

less

Groceries

↓ 2.0%

Frisco, TX

$979

Surprise, AZ

$959

Difference

$19.99

less

All Utilities

↓ 2.9%

Frisco, TX

$563

Surprise, AZ

$546

Difference

$16.39

less

🏠Rent Comparison

Studio

From$2,080

To$1,730

↓ $350

1 Bed

From$2,170

To$1,890

↓ $280

2 Bed

From$2,540

To$2,190

↓ $350

3 Bed

From$3,200

To$2,920

↓ $280

Frisco, TXZIP-level data

1BR range: $2,170–$2,170/mo

Surprise, AZZIP-level data

1BR range: $1,890–$1,890/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.

$8,048

Monthly in Frisco, TX

$7,856

Monthly in Surprise, AZ

$192

Difference

Home Values

Frisco

Surprise

$661K

Median Value

$385K

↓ -3.9%

YoY Change

↓ -3.9%

↑ +42.3%

5-Year Change

↑ +24.6%

Homes in Surprise are 42% less expensive than Frisco

Calculate payment - Frisco Calculate payment - Surprise

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

Frisco, 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

Surprise, 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

Frisco, TX Tax Rates

Sales Tax:8.2%

Property Tax:1.8%

Surprise, 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.