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Cost of Living Comparison 2026

📍 Kirkwood, MO — ZIP-level rent data · COL adjusted from St. Louis, MO area

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Numbers update automatically as you type

You'd spend $1.9K/month more in Phoenix, AZ

$150.0K in your current city equals $172.5K in Phoenix, AZ

Rent data from HUD ZIP-level estimates · COL index from St. Louis, MO-IL area
Overall Cost
↑ 25.0%
More expensive
Monthly Impact
$1,872
Extra cost
Annual Impact
$22.5K
Per year

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

Kirkwood, MO

Population:29K
Cost Index:100
Median Home:$479K

Phoenix, AZ

Population:1608K
Cost Index:125
Median Home:$414K

Kirkwood, MO

The Show-Me State

29K
Population
State Tax
Yes

Located in Missouri, this city has a population of 29K 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: Kirkwood, MO vs Phoenix, AZ

🏠Housing
↑ 74.4%
Kirkwood, MO
$1,599
Phoenix, AZ
$2,788
Difference
$1,190
more
🚗Transportation
↑ 29.0%
Kirkwood, MO
$1,154
Phoenix, AZ
$1,489
Difference
$335
more
📦Other
↑ 10.0%
Kirkwood, MO
$1,526
Phoenix, AZ
$1,677
Difference
$152
more
🏥Healthcare
↑ 14.7%
Kirkwood, MO
$513
Phoenix, AZ
$589
Difference
$75.49
more
⚡All Utilities
↑ 7.6%
Kirkwood, MO
$522
Phoenix, AZ
$561
Difference
$39.44
more
🛒Groceries
↑ 4.1%
Kirkwood, MO
$925
Phoenix, AZ
$963
Difference
$38.38
more

🏠Rent Comparison

Studio
From$896
To$1,390
↑ $494
1 Bed
From$936
To$1,510
↑ $574
2 Bed
From$1,146
To$1,750
↑ $604
3 Bed
From$1,477
To$2,330
↑ $853
Kirkwood, MOZIP-level data

1BR range: $1,160–$1,160/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.

$6,238
Monthly in Kirkwood, MO
$8,068
Monthly in Phoenix, AZ
$1,830
Difference

Home Values

Kirkwood
Phoenix
$479K
Median Value
$414K
↑ +4.1%
YoY Change
↓ -3.1%
↑ +33.2%
5-Year Change
↑ +30.2%
$479K
Price Range
$274K - $957K

Homes in Phoenix are 14% less expensive than Kirkwood

Calculate payment - KirkwoodCalculate payment - Phoenix

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↑ $2.7K
Per year
Monthly Difference
$225
More take-home
Effective Rate Diff
1.8%
Rate difference

Kirkwood, MO

Federal Income Tax
Effective: 18.9%
$25.5K
Missouri State Tax
Effective: 5.3%
$7.9K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 30.0%
$44.9K
Take-Home Pay
$8,755/month
$105.1K

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

Kirkwood, MO Tax Rates

Sales Tax:8.2%
Property Tax:1.0%

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

Kirkwood
Phoenix
54 Moderate
Air Quality
77 Moderate
38%
Good Air Days
9%
99 High
Climate Risk
100 Very High
🌊🌡🫨
Top Hazards
🔥🌊🌡
▲+3.0°F
2050 Outlook
▲+2.7°F
39 days
Heat Days >95°F
162 days
▲+3.0°F
2050 Outlook
▲+2.7°F
39 days
Heat Days >95°F
162 days

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

Similar cost to Phoenix, AZ

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