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Cost of Living Comparison 2026

📍 Horn Lake, MS — ZIP-level rent data · COL adjusted from Memphis, TN area

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Numbers update automatically as you type

You'd spend $2.2K/month more in Phoenix, AZ

$150.0K in your current city equals $176.0K in Phoenix, AZ

Rent data from HUD ZIP-level estimates · COL index from Memphis, TN-MS-AR area
Overall Cost
↑ 28.9%
More expensive
Monthly Impact
$2,166
Extra cost
Annual Impact
$26.0K
Per year

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

Horn Lake, MS

Population:26K
Cost Index:100
Median Home:$198K

Phoenix, AZ

Population:1608K
Cost Index:129
Median Home:$414K

Horn Lake, MS

The Magnolia State

26K
Population
State Tax
Yes

Located in Mississippi, this city has a population of 26K 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: Horn Lake, MS vs Phoenix, AZ

🏠Housing
↑ 80.4%
Horn Lake, MS
$1,546
Phoenix, AZ
$2,788
Difference
$1,242
more
🚗Transportation
↑ 28.6%
Horn Lake, MS
$1,157
Phoenix, AZ
$1,489
Difference
$332
more
📦Other
↑ 7.6%
Horn Lake, MS
$1,559
Phoenix, AZ
$1,677
Difference
$119
more
🏥Healthcare
↑ 15.8%
Horn Lake, MS
$508
Phoenix, AZ
$589
Difference
$80.43
more
🛒Groceries
↑ 6.3%
Horn Lake, MS
$906
Phoenix, AZ
$963
Difference
$56.94
more
⚡All Utilities
↑ 9.7%
Horn Lake, MS
$511
Phoenix, AZ
$561
Difference
$49.74
more

🏠Rent Comparison

Studio
From$926
To$1,390
↑ $464
1 Bed
From$1,005
To$1,510
↑ $505
2 Bed
From$1,108
To$1,750
↑ $642
3 Bed
From$1,464
To$2,330
↑ $866
Horn Lake, MSZIP-level data

1BR range: $1,270–$1,270/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.

$6,188
Monthly in Horn Lake, MS
$8,068
Monthly in Phoenix, AZ
$1,880
Difference

Home Values

Horn Lake
Phoenix
$198K
Median Value
$414K
↓ -0.4%
YoY Change
↓ -3.1%
↑ +33.2%
5-Year Change
↑ +30.2%
$198K
Price Range
$274K - $957K

Homes in Phoenix are 110% more expensive than Horn Lake

Calculate payment - Horn LakeCalculate payment - Phoenix

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↑ $2.1K
Per year
Monthly Difference
$176
More take-home
Effective Rate Diff
1.4%
Rate difference

Horn Lake, MS

Federal Income Tax
Effective: 18.9%
$25.5K
Mississippi State Tax
Effective: 4.9%
$7.3K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 29.6%
$44.4K
Take-Home Pay
$8,803/month
$105.6K

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

Horn Lake, MS Tax Rates

Sales Tax:7.1%
Property Tax:0.6%

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

Horn Lake
Phoenix
55 Moderate
Air Quality
77 Moderate
34.4%
Good Air Days
9%
99 High
Climate Risk
100 Very High
🌊🌡🫨
Top Hazards
🔥🌊🌡
▲+2.8°F
2050 Outlook
▲+2.7°F
54 days
Heat Days >95°F
162 days
▲+2.8°F
2050 Outlook
▲+2.7°F
54 days
Heat Days >95°F
162 days

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

Similar cost to Phoenix, AZ

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