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Cost of Living Comparison 2026

📍 Kearney, NE — ZIP-level rent data · COL adjusted from Lincoln, NE area

$

Numbers update automatically as you type

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

$150.0K in your current city equals $171.7K in Phoenix, AZ

Rent data from HUD ZIP-level estimates · COL index from area
Overall Cost
↑ 24.1%
More expensive
Monthly Impact
$1,805
Extra cost
Annual Impact
$21.7K
Per year

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

Kearney, NE

Population:34K
Cost Index:100
Median Home:$281K

Phoenix, AZ

Population:1608K
Cost Index:124
Median Home:$414K

Kearney, NE

The Cornhusker State

34K
Population
State Tax
Yes

Located in Nebraska, this city has a population of 34K 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: Kearney, NE vs Phoenix, AZ

🏠Housing
↑ 61.0%
Kearney, NE
$1,732
Phoenix, AZ
$2,788
Difference
$1,057
more
🚗Transportation
↑ 31.0%
Kearney, NE
$1,136
Phoenix, AZ
$1,489
Difference
$353
more
📦Other
↑ 16.6%
Kearney, NE
$1,438
Phoenix, AZ
$1,677
Difference
$239
more
⚡All Utilities
↑ 24.9%
Kearney, NE
$449
Phoenix, AZ
$561
Difference
$112
more
🏥Healthcare
↓ 9.7%
Kearney, NE
$652
Phoenix, AZ
$589
Difference
$63.02
less
🛒Groceries
↑ 6.1%
Kearney, NE
$908
Phoenix, AZ
$963
Difference
$55.66
more

🏠Rent Comparison

Studio
From$645
To$1,390
↑ $745
1 Bed
From$707
To$1,510
↑ $803
2 Bed
From$839
To$1,750
↑ $911
3 Bed
From$1,111
To$2,330
↑ $1,219
Kearney, NEZIP-level data

1BR range: $910–$910/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.

$6,315
Monthly in Kearney, NE
$8,068
Monthly in Phoenix, AZ
$1,753
Difference

Home Values

Kearney
Phoenix
$281K
Median Value
$414K
↑ +5%
YoY Change
↓ -3.1%
↑ +35.6%
5-Year Change
↑ +30.2%
$281K
Price Range
$274K - $957K

Homes in Phoenix are 47% more expensive than Kearney

Calculate payment - KearneyCalculate payment - Phoenix

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↑ $4.1K
Per year
Monthly Difference
$342
More take-home
Effective Rate Diff
2.7%
Rate difference

Kearney, NE

Federal Income Tax
Effective: 18.9%
$25.5K
Nebraska State Tax
Effective: 6.2%
$9.3K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 30.9%
$46.3K
Take-Home Pay
$8,638/month
$103.7K

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

Kearney, NE Tax Rates

Sales Tax:7.0%
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

Kearney
Phoenix
41 Good
Air Quality
77 Moderate
83.7%
Good Air Days
9%
91 Moderate
Climate Risk
100 Very High
🌪💨
Top Hazards
🔥🌊🌡
▲+3.3°F
2050 Outlook
▲+2.7°F
38 days
Heat Days >95°F
162 days
▲+3.3°F
2050 Outlook
▲+2.7°F
38 days
Heat Days >95°F
162 days

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

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