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Cost of Living Comparison 2026

📍 Katy, TX — COL adjusted from Houston, TX area + state data

$

Numbers update automatically as you type

You'd spend $1.4K/month more in Phoenix, AZ

$150.0K in your current city equals $166.6K in Phoenix, AZ

Rent data from HUD ZIP-level estimates · COL index from Houston-The Woodlands-Sugar Land, TX area
Overall Cost
↑ 18.5%
More expensive
Monthly Impact
$1,385
Extra cost
Annual Impact
$16.6K
Per year

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

Katy, TX

Population:26K
Cost Index:100
Median Home:$245K

Phoenix, AZ

Population:1608K
Cost Index:118
Median Home:$414K

Katy, TX

The Lone Star State

26K
Population
State Tax
No Income Tax

Located in Texas, this city has a population of 26K residents.

💡 Advantage: Texas has no state income tax!

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: Katy, TX vs Phoenix, AZ

🏠Housing
↑ 56.7%
Katy, TX
$1,780
Phoenix, AZ
$2,788
Difference
$1,009
more
🚗Transportation
↑ 13.8%
Katy, TX
$1,308
Phoenix, AZ
$1,489
Difference
$181
more
🛒Groceries
↑ 11.3%
Katy, TX
$866
Phoenix, AZ
$963
Difference
$97.44
more
📦Other
↑ 5.1%
Katy, TX
$1,596
Phoenix, AZ
$1,677
Difference
$81.64
more
🏥Healthcare
↑ 10.2%
Katy, TX
$534
Phoenix, AZ
$589
Difference
$54.69
more
⚡All Utilities
↑ 6.9%
Katy, TX
$525
Phoenix, AZ
$561
Difference
$36.31
more

🏠Rent Comparison

Studio
From$729
To$1,390
↑ $661
1 Bed
From$844
To$1,510
↑ $666
2 Bed
From$1,036
To$1,750
↑ $714
3 Bed
From$1,419
To$2,330
↑ $911
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.

$6,608
Monthly in Katy, TX
$8,068
Monthly in Phoenix, AZ
$1,459
Difference

Home Values

Katy
Phoenix
-
Median Value
$414K
-
YoY Change
↓ -3.1%
-
5-Year Change
↑ +30.2%
-
Price Range
$274K - $957K
Calculate payment - Phoenix

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

Katy, TX

Federal Income Tax
Effective: 18.9%
$25.5K
Texas State Tax
No state income tax
$0
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 24.7%
$37.0K
Take-Home Pay
$9,416/month
$113.0K

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

Katy, TX Tax Rates

Sales Tax:8.2%
Property Tax:1.8%

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

Katy
Phoenix
61 Moderate
Air Quality
77 Moderate
13.7%
Good Air Days
9%
100 Very High
Climate Risk
100 Very High
🌊🌅🌀
Top Hazards
🔥🌊🌡
▲+2.2°F
2050 Outlook
▲+2.7°F
64 days
Heat Days >95°F
162 days
▲+2.2°F
2050 Outlook
▲+2.7°F
64 days
Heat Days >95°F
162 days

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

Where your money goes further

Cities cheaper than Katy, TX on a $150.0K salary

1.Indianapolis, IN
Save $9.36/mo
2.St. Louis, MO
Save $9.36/mo

Similar cost to Phoenix, AZ

Other cities in a similar price range

Denver, CORaleigh, NCCharlotte, NC

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