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Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

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Numbers update automatically as you type

You'd spend $1.8K/month more in Phoenix, AZ

$150.0K in your current city equals $171.4K in Phoenix, AZ

Rent data from HUD ZIP-level estimates · COL index from area
Overall Cost
23.7%
More expensive
Monthly Impact
$1,779
Extra cost
Annual Impact
$21.4K
Per year

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

Grand Forks, ND

Population:59K
Cost Index:
100
100 = national average
Median Home:$266K

Phoenix, AZ

Population:1608K
Cost Index:
124
(24% above avg)
Median Home:$414K

Grand Forks, ND

The Peace Garden State

59K
Population
State Tax
Yes

Located in North Dakota, this city has a population of 59K 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: Grand Forks, ND vs Phoenix, AZ

Housing
42.9%
Grand Forks, ND
$1,951
Phoenix, AZ
$2,788
Difference
$838
more
Transportation
39.7%
Grand Forks, ND
$1,066
Phoenix, AZ
$1,489
Difference
$423
more
Other
22.4%
Grand Forks, ND
$1,370
Phoenix, AZ
$1,677
Difference
$307
more
All Utilities
25.7%
Grand Forks, ND
$447
Phoenix, AZ
$561
Difference
$115
more
Healthcare
11.4%
Grand Forks, ND
$664
Phoenix, AZ
$589
Difference
$75.69
less
Groceries
6.5%
Grand Forks, ND
$905
Phoenix, AZ
$963
Difference
$58.76
more

🏠Rent Comparison

Studio
From$611
To$1,390
$779
1 Bed
From$617
To$1,510
$893
2 Bed
From$775
To$1,750
$975
3 Bed
From$1,077
To$2,330
$1,253
Grand Forks, NDZIP-level data

1BR range: $820$1,170/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.

$6,402
Monthly in Grand Forks, ND
$8,068
Monthly in Phoenix, AZ
$1,665
Difference

Home Values

Grand Forks
Phoenix
$266K
Median Value
$414K
↑ +7.2%
YoY Change
↓ -3.1%
↑ +25.5%
5-Year Change
↑ +30.2%
$226K - $306K
Price Range
$274K - $957K

Homes in Phoenix are 56% more expensive than Grand Forks

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
$2.5K
More taxes
Monthly Difference
$204
Less take-home
Effective Rate Diff
1.6%
Rate difference

Grand Forks, ND

Federal Income Tax
Effective: 18.9%
$25.5K
North Dakota State Tax
Effective: 1.9%
$2.8K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 26.5%
$39.8K
Take-Home Pay
$9,184/month
$110.2K

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

Grand Forks, ND Tax Rates

Sales Tax:6.8%
Property Tax:1.0%

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

Grand Forks
Phoenix
42 Good
Air Quality
77 Moderate
66.4%
Good Air Days
9%
98 High
Climate Risk
100 Very High
🌊🌡🌪
Top Hazards
🔥🌊🌡
+3.6°F
2050 Outlook
+2.7°F
14 days
Heat Days >95°F
162 days
+3.6°F
2050 Outlook
+2.7°F
14 days
Heat Days >95°F
162 days

What to Consider When Moving from Grand Forks, ND to Phoenix, AZ

Relocating from Grand Forks, ND to Phoenix, AZ involves more than just comparing rent prices. While the overall cost of living is roughly 24% higher 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 43% more expensive than in Grand Forks, ND. Keep in mind that neighborhood choice within a city can swing rent by 30–50%, so research specific areas — not just city averages — 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 Grand Forks, ND.

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 “feel” 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 — experiencing the day-to-day rhythm matters more than any spreadsheet.

Frequently Asked Questions: Grand Forks, ND vs Phoenix, AZ

Is Phoenix, AZ cheaper than Grand Forks, ND?

Phoenix, AZ is approximately 23.7% more expensive than Grand Forks, ND overall. On a $150,000 salary, that translates to roughly $1,779/month in additional expenses. Housing is the biggest factor, costing 43% more in Phoenix, AZ.

What salary do I need in Phoenix, AZ to match my lifestyle in Grand Forks, ND?

If you currently earn $150,000 in Grand Forks, ND, you would need approximately $171,350 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 Grand Forks, ND and Phoenix, AZ?

A two-bedroom apartment averages $775/month in Grand Forks, ND compared to $1,750/month in Phoenix, AZ. One-bedroom apartments are $617/month in Grand Forks, ND vs $1,510/month in Phoenix, AZ. These are area-wide medians — specific neighborhoods can vary significantly. Check the ZIP-level rent breakdown above for more granular data.

Are groceries more expensive in Grand Forks, ND or Phoenix, AZ?

Groceries are about 6% more expensive in Phoenix, AZ than in Grand Forks, ND, which adds roughly $58.76/month to a typical household budget. This covers common items like produce, dairy, meat, and pantry staples based on BLS consumer expenditure data.

What is the best time to move from Grand Forks, ND 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.

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

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