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Cost of Living Comparison 2026

📍 Lawrence, IN — ZIP-level rent data · COL adjusted from Indianapolis, IN area

$

Numbers update automatically as you type

You'd spend $2.0K/month more in Phoenix, AZ

$150.0K in your current city equals $173.9K in Phoenix, AZ

Rent data from HUD ZIP-level estimates · COL index from Indianapolis-Carmel-Anderson, IN area
Overall Cost
↑ 26.6%
More expensive
Monthly Impact
$1,993
Extra cost
Annual Impact
$23.9K
Per year

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

Lawrence, IN

Population:49K
Cost Index:100
Median Home:$156K

Phoenix, AZ

Population:1608K
Cost Index:127
Median Home:$414K

Lawrence, IN

The Hoosier State

49K
Population
State Tax
Yes

Located in Indiana, this city has a population of 49K 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: Lawrence, IN vs Phoenix, AZ

🏠Housing
↑ 69.6%
Lawrence, IN
$1,644
Phoenix, AZ
$2,788
Difference
$1,144
more
🚗Transportation
↑ 33.7%
Lawrence, IN
$1,114
Phoenix, AZ
$1,489
Difference
$375
more
📦Other
↑ 12.5%
Lawrence, IN
$1,490
Phoenix, AZ
$1,677
Difference
$187
more
⚡All Utilities
↑ 15.3%
Lawrence, IN
$487
Phoenix, AZ
$561
Difference
$74.51
more
🛒Groceries
↑ 8.2%
Lawrence, IN
$890
Phoenix, AZ
$963
Difference
$73.30
more
🏥Healthcare
↑ 4.4%
Lawrence, IN
$564
Phoenix, AZ
$589
Difference
$24.78
more

🏠Rent Comparison

Studio
From$813
To$1,390
↑ $577
1 Bed
From$916
To$1,510
↑ $594
2 Bed
From$1,067
To$1,750
↑ $683
3 Bed
From$1,386
To$2,330
↑ $944
Lawrence, INZIP-level data

1BR range: $1,150–$1,150/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.

$6,189
Monthly in Lawrence, IN
$8,068
Monthly in Phoenix, AZ
$1,879
Difference

Home Values

Lawrence
Phoenix
$156K
Median Value
$414K
↑ +0.1%
YoY Change
↓ -3.1%
↑ +40%
5-Year Change
↑ +30.2%
$156K
Price Range
$274K - $957K

Homes in Phoenix are 166% more expensive than Lawrence

Calculate payment - LawrenceCalculate payment - Phoenix

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↓ $388
More taxes
Monthly Difference
$32.32
Less take-home
Effective Rate Diff
0.3%
Rate difference

Lawrence, IN

Federal Income Tax
Effective: 18.9%
$25.5K
Indiana State Tax
Effective: 3.2%
$4.8K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 27.9%
$41.9K
Take-Home Pay
$9,012/month
$108.1K

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

Lawrence, IN Tax Rates

Sales Tax:7.0%
Property Tax:0.9%

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

Lawrence
Phoenix
54 Moderate
Air Quality
77 Moderate
36.6%
Good Air Days
9%
97 High
Climate Risk
100 Very High
🌊🌡🌪
Top Hazards
🔥🌊🌡
▲+3.1°F
2050 Outlook
▲+2.7°F
18 days
Heat Days >95°F
162 days
▲+3.1°F
2050 Outlook
▲+2.7°F
18 days
Heat Days >95°F
162 days

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

Similar cost to Phoenix, AZ

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