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Cost of Living Comparison 2026

📍 Las Cruces, NM — ZIP-level rent data · COL adjusted from El Paso, TX area

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Numbers update automatically as you type

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

$150.0K in your current city equals $167.4K in Phoenix, AZ

Rent data from HUD ZIP-level estimates · COL index from El Paso, TX area
Overall Cost
↑ 19.3%
More expensive
Monthly Impact
$1,447
Extra cost
Annual Impact
$17.4K
Per year

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

Las Cruces, NM

Population:115K
Cost Index:100
Median Home:$279K

Phoenix, AZ

Population:1608K
Cost Index:119
Median Home:$414K

Las Cruces, NM

The Land of Enchantment

115K
Population
State Tax
Yes

Located in New Mexico, this city has a population of 115K 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: Las Cruces, NM vs Phoenix, AZ

🏠Housing
↑ 55.5%
Las Cruces, NM
$1,793
Phoenix, AZ
$2,788
Difference
$995
more
🚗Transportation
↑ 21.8%
Las Cruces, NM
$1,222
Phoenix, AZ
$1,489
Difference
$267
more
🏥Healthcare
↑ 18.3%
Las Cruces, NM
$498
Phoenix, AZ
$589
Difference
$91.01
more
⚡All Utilities
↑ 16.4%
Las Cruces, NM
$482
Phoenix, AZ
$561
Difference
$78.99
more
📦Other
↑ 4.0%
Las Cruces, NM
$1,613
Phoenix, AZ
$1,677
Difference
$64.61
more
🛒Groceries
↑ 3.4%
Las Cruces, NM
$931
Phoenix, AZ
$963
Difference
$31.97
more

🏠Rent Comparison

Studio
From$652
To$1,390
↑ $738
1 Bed
From$827
To$1,510
↑ $683
2 Bed
From$911
To$1,750
↑ $839
3 Bed
From$1,270
To$2,330
↑ $1,060
Las Cruces, NMZIP-level data

1BR range: $950–$1,260/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.

$6,539
Monthly in Las Cruces, NM
$8,068
Monthly in Phoenix, AZ
$1,529
Difference

Home Values

Las Cruces
Phoenix
$279K
Median Value
$414K
↓ -0.9%
YoY Change
↓ -3.1%
↑ +42%
5-Year Change
↑ +30.2%
$203K - $351K
Price Range
$274K - $957K

Homes in Phoenix are 48% more expensive than Las Cruces

Calculate payment - Las CrucesCalculate payment - Phoenix

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↑ $1.8K
Per year
Monthly Difference
$153
More take-home
Effective Rate Diff
1.2%
Rate difference

Las Cruces, NM

Federal Income Tax
Effective: 18.9%
$25.5K
New Mexico State Tax
Effective: 4.7%
$7.1K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 29.4%
$44.1K
Take-Home Pay
$8,826/month
$105.9K

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

Las Cruces, NM Tax Rates

Sales Tax:7.6%
Property Tax:0.8%

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

Las Cruces
Phoenix
67 Moderate
Air Quality
77 Moderate
22.1%
Good Air Days
9%
95 High
Climate Risk
100 Very High
🌊🌡☀
Top Hazards
🔥🌊🌡
▲+2.7°F
2050 Outlook
▲+2.7°F
97 days
Heat Days >95°F
162 days
▲+2.7°F
2050 Outlook
▲+2.7°F
97 days
Heat Days >95°F
162 days

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

Similar cost to Phoenix, AZ

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