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Cost of Living Comparison 2026

📍 Lima, OH — ZIP-level rent data · COL adjusted from Fort Wayne, IN area

$

Numbers update automatically as you type

You'd spend $1.5K/month more in Phoenix, AZ

$150.0K in your current city equals $168.2K in Phoenix, AZ

Rent data from HUD ZIP-level estimates · COL index from area
Overall Cost
↑ 20.2%
More expensive
Monthly Impact
$1,518
Extra cost
Annual Impact
$18.2K
Per year

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

Lima, OH

Population:35K
Cost Index:100
Median Home:$133K

Phoenix, AZ

Population:1608K
Cost Index:120
Median Home:$414K

Lima, OH

The Buckeye State

35K
Population
State Tax
Yes

Located in Ohio, this city has a population of 35K 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: Lima, OH vs Phoenix, AZ

🏠Housing
↑ 48.2%
Lima, OH
$1,881
Phoenix, AZ
$2,788
Difference
$907
more
🚗Transportation
↑ 21.2%
Lima, OH
$1,229
Phoenix, AZ
$1,489
Difference
$260
more
📦Other
↑ 8.9%
Lima, OH
$1,541
Phoenix, AZ
$1,677
Difference
$137
more
⚡All Utilities
↑ 9.8%
Lima, OH
$511
Phoenix, AZ
$561
Difference
$49.96
more
🛒Groceries
↑ 3.0%
Lima, OH
$935
Phoenix, AZ
$963
Difference
$28.42
more
🏥Healthcare
↓ 0.6%
Lima, OH
$592
Phoenix, AZ
$589
Difference
$3.65
less

🏛️ Local Income Taxes

Lima, OH: Lima Municipal Income Tax$2,250/yr (1.5%)

Phoenix, AZ has no local income tax.

Local taxes are in addition to state income tax. Not all cities levy local income taxes.

🏠Rent Comparison

Studio
From$858
To$1,390
↑ $532
1 Bed
From$858
To$1,510
↑ $652
2 Bed
From$1,127
To$1,750
↑ $623
3 Bed
From$1,365
To$2,330
↑ $965
Lima, OHZIP-level data

1BR range: $820–$880/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.

$6,689
Monthly in Lima, OH
$8,068
Monthly in Phoenix, AZ
$1,379
Difference

Home Values

Lima
Phoenix
$133K
Median Value
$414K
↑ +0.9%
YoY Change
↓ -3.1%
↑ +36.6%
5-Year Change
↑ +30.2%
$76K - $183K
Price Range
$274K - $957K

Homes in Phoenix are 211% more expensive than Lima

Calculate payment - LimaCalculate payment - Phoenix

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↓ $806
More taxes
Monthly Difference
$67.13
Less take-home
Effective Rate Diff
0.5%
Rate difference

Lima, OH

Federal Income Tax
Effective: 18.9%
$25.5K
Ohio State Tax
Effective: 3.0%
$4.4K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 27.6%
$41.4K
Take-Home Pay
$9,047/month
$108.6K

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

Lima, OH Tax Rates

Sales Tax:7.2%
Property Tax:1.6%

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

Lima
Phoenix
45 Good
Air Quality
77 Moderate
62.6%
Good Air Days
9%
91 Moderate
Climate Risk
100 Very High
🌊🌪💨
Top Hazards
🔥🌊🌡
▲+3.1°F
2050 Outlook
▲+2.7°F
17 days
Heat Days >95°F
162 days
▲+3.1°F
2050 Outlook
▲+2.7°F
17 days
Heat Days >95°F
162 days

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

Similar cost to Phoenix, AZ

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