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Cost of Living Comparison 2026

📍 Henderson, KY — ZIP-level rent data · COL adjusted from Louisville, KY area

$

Numbers update automatically as you type

You'd spend $1.6K/month more in Phoenix, AZ

$150.0K in your current city equals $169.3K in Phoenix, AZ

Rent data from HUD ZIP-level estimates · COL index from area
Overall Cost
↑ 21.4%
More expensive
Monthly Impact
$1,606
Extra cost
Annual Impact
$19.3K
Per year

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

Henderson, KY

Population:28K
Cost Index:100
Median Home:$190K

Phoenix, AZ

Population:1608K
Cost Index:121
Median Home:$414K

Henderson, KY

The Bluegrass State

28K
Population
State Tax
Yes

Located in Kentucky, this city has a population of 28K 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: Henderson, KY vs Phoenix, AZ

🏠Housing
↑ 53.9%
Henderson, KY
$1,811
Phoenix, AZ
$2,788
Difference
$977
more
🚗Transportation
↑ 20.2%
Henderson, KY
$1,239
Phoenix, AZ
$1,489
Difference
$250
more
📦Other
↑ 11.7%
Henderson, KY
$1,502
Phoenix, AZ
$1,677
Difference
$175
more
⚡All Utilities
↑ 24.3%
Henderson, KY
$451
Phoenix, AZ
$561
Difference
$110
more
🏥Healthcare
↑ 7.4%
Henderson, KY
$548
Phoenix, AZ
$589
Difference
$40.66
more
🛒Groceries
↑ 3.3%
Henderson, KY
$932
Phoenix, AZ
$963
Difference
$31.02
more

🏠Rent Comparison

Studio
From$578
To$1,390
↑ $812
1 Bed
From$626
To$1,510
↑ $884
2 Bed
From$763
To$1,750
↑ $987
3 Bed
From$995
To$2,330
↑ $1,335
Henderson, KYZIP-level data

1BR range: $780–$780/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.

$6,483
Monthly in Henderson, KY
$8,068
Monthly in Phoenix, AZ
$1,584
Difference

Home Values

Henderson
Phoenix
$190K
Median Value
$414K
↑ +0.4%
YoY Change
↓ -3.1%
↑ +35.1%
5-Year Change
↑ +30.2%
$190K
Price Range
$274K - $957K

Homes in Phoenix are 118% more expensive than Henderson

Calculate payment - HendersonCalculate payment - Phoenix

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↑ $2.3K
Per year
Monthly Difference
$189
More take-home
Effective Rate Diff
1.5%
Rate difference

Henderson, KY

Federal Income Tax
Effective: 18.9%
$25.5K
Kentucky State Tax
Effective: 5.0%
$7.5K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 29.7%
$44.5K
Take-Home Pay
$8,791/month
$105.5K

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

Henderson, KY Tax Rates

Sales Tax:6.0%
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.

Environment

Henderson
Phoenix
50 Good
Air Quality
77 Moderate
50.8%
Good Air Days
9%
98 High
Climate Risk
100 Very High
🌊🌡🌪
Top Hazards
🔥🌊🌡
▲+2.9°F
2050 Outlook
▲+2.7°F
37 days
Heat Days >95°F
162 days
▲+2.9°F
2050 Outlook
▲+2.7°F
37 days
Heat Days >95°F
162 days

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

Similar cost to Phoenix, AZ

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