Is Phoenix, AZ cheaper than Holyoke, MA?

Based on cost of living data, Phoenix, AZ is 0.9% more expensive than Holyoke, MA. The two cities have very similar living costs.

What salary do I need in Phoenix, AZ to live like I do in Holyoke, MA?

If you earn $150,000 in Holyoke, MA, you'd need approximately $150,770.139 in Phoenix, AZ to maintain the same standard of living.

How does housing cost compare between Holyoke, MA and Phoenix, AZ?

Housing in Phoenix, AZ is 14.5% cheaper than in Holyoke, MA. For a two-bedroom apartment, rent is $1,750/month in Phoenix, AZ compared to $1,004/month in Holyoke, MA.

How much can I save per month by moving from Holyoke, MA to Phoenix, AZ?

Holyoke, MA and Phoenix, AZ have very similar costs of living, based on a $150,000 salary.

Holyoke, MA vs Phoenix, AZ: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Holyoke, MA — ZIP-level rent data · COL adjusted from Boston, MA area

Current salary in Holyoke, MA

Numbers update automatically as you type

You'd spend $64.18/month more in Phoenix, AZ

$150.0K in your current city equals $150.8K in Phoenix, AZ

Rent data from HUD ZIP-level estimates · COL index from area

Overall Cost

↑ 0.9%

More expensive

Monthly Impact

$64.18

Extra cost

Annual Impact

$770

Per year

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

Holyoke, MA

Population:38K

Cost Index:100

Median Home:$316K

Phoenix, AZ

Population:1608K

Cost Index:101

Median Home:$414K

Holyoke, MA

The Bay State

38K

Population

State Tax

Yes

Located in Massachusetts, this city has a population of 38K 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: Holyoke, MA vs Phoenix, AZ

Category	Holyoke, MA	Phoenix, AZ	Difference	Change
🏠Housing	$3,261/mo	$2,788/mo	↓ $472less	14.5%
📦Other	$1,253/mo	$1,677/mo	↑ $424more	33.9%
🚗Transportation	$1,257/mo	$1,489/mo	↑ $232more	18.4%
🛒Groceries	$894/mo	$963/mo	↑ $68.95more	7.7%
⚡All Utilities	$593/mo	$561/mo	↓ $32.02less	5.4%
🏥Healthcare	$616/mo	$589/mo	↓ $27.53less	4.5%

🏠Housing

↓ 14.5%

Holyoke, MA

$3,261

Phoenix, AZ

$2,788

Difference

$472

less

📦Other

↑ 33.9%

Holyoke, MA

$1,253

Phoenix, AZ

$1,677

Difference

$424

🚗Transportation

↑ 18.4%

Holyoke, MA

$1,257

Phoenix, AZ

$1,489

Difference

$232

🛒Groceries

↑ 7.7%

Holyoke, MA

$894

Phoenix, AZ

$963

Difference

$68.95

⚡All Utilities

↓ 5.4%

Holyoke, MA

$593

Phoenix, AZ

$561

Difference

$32.02

less

🏥Healthcare

↓ 4.5%

Holyoke, MA

$616

Phoenix, AZ

$589

Difference

$27.53

less

🏠Rent Comparison

Studio

From$706

To$1,390

↑ $684

1 Bed

From$800

To$1,510

↑ $710

2 Bed

From$1,004

To$1,750

↑ $746

3 Bed

From$1,232

To$2,330

↑ $1,098

Holyoke, MAZIP-level data

1BR range: $1,370–$1,370/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.

$7,874

Monthly in Holyoke, MA

$8,068

Monthly in Phoenix, AZ

$193

Difference

Home Values

Holyoke

Phoenix

$316K

Median Value

$414K

↑ +1.7%

YoY Change

↓ -3.1%

↑ +35.3%

5-Year Change

↑ +30.2%

$316K

Price Range

$274K - $957K

Homes in Phoenix are 31% more expensive than Holyoke

Calculate payment - Holyoke Calculate 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

Holyoke, MA

Federal Income Tax

Effective: 18.9%

$25.5K

Massachusetts 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

Holyoke, MA Tax Rates

Sales Tax:6.3%

Property Tax:1.2%

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.