Is Phoenix, AZ cheaper than Loveland, CO?

Based on cost of living data, Phoenix, AZ is 1.2% more expensive than Loveland, CO. The two cities have very similar living costs.

What salary do I need in Phoenix, AZ to live like I do in Loveland, CO?

If you earn $150,000 in Loveland, CO, you'd need approximately $151,065.488 in Phoenix, AZ to maintain the same standard of living.

How does housing cost compare between Loveland, CO and Phoenix, AZ?

Housing in Phoenix, AZ is 2.9% more expensive than in Loveland, CO. For a two-bedroom apartment, rent is $1,750/month in Phoenix, AZ compared to $1,352/month in Loveland, CO.

How much can I save per month by moving from Loveland, CO to Phoenix, AZ?

Loveland, CO and Phoenix, AZ have very similar costs of living, based on a $150,000 salary.

Loveland, CO vs Phoenix, AZ: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Loveland, CO — ZIP-level rent data · COL adjusted from Denver, CO area

Current salary in Loveland, CO

Numbers update automatically as you type

You'd spend $88.79/month more in Phoenix, AZ

$150.0K in your current city equals $151.1K in Phoenix, AZ

Rent data from HUD ZIP-level estimates · COL index from area

Overall Cost

↑ 1.2%

More expensive

Monthly Impact

$88.79

Extra cost

Annual Impact

$1.1K

Per year

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

Loveland, CO

Population:79K

Cost Index:100

Median Home:$489K

Phoenix, AZ

Population:1608K

Cost Index:101

Median Home:$414K

Loveland, CO

The Centennial State

79K

Population

State Tax

Yes

Located in Colorado, this city has a population of 79K 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: Loveland, CO vs Phoenix, AZ

Category	Loveland, CO	Phoenix, AZ	Difference	Change
🚗Transportation	$1,355/mo	$1,489/mo	↑ $134more	9.9%
🏠Housing	$2,711/mo	$2,788/mo	↑ $77.69more	2.9%
⚡All Utilities	$500/mo	$561/mo	↑ $61.33more	12.3%
📦Other	$1,645/mo	$1,677/mo	↑ $32.08more	1.9%
🛒Groceries	$991/mo	$963/mo	↓ $27.78less	2.8%
🏥Healthcare	$609/mo	$589/mo	↓ $19.93less	3.3%

🚗Transportation

↑ 9.9%

Loveland, CO

$1,355

Phoenix, AZ

$1,489

Difference

$134

🏠Housing

↑ 2.9%

Loveland, CO

$2,711

Phoenix, AZ

$2,788

Difference

$77.69

⚡All Utilities

↑ 12.3%

Loveland, CO

$500

Phoenix, AZ

$561

Difference

$61.33

📦Other

↑ 1.9%

Loveland, CO

$1,645

Phoenix, AZ

$1,677

Difference

$32.08

🛒Groceries

↓ 2.8%

Loveland, CO

$991

Phoenix, AZ

$963

Difference

$27.78

less

🏥Healthcare

↓ 3.3%

Loveland, CO

$609

Phoenix, AZ

$589

Difference

$19.93

less

🏠Rent Comparison

Studio

From$1,178

To$1,390

↑ $212

1 Bed

From$1,202

To$1,510

↑ $308

2 Bed

From$1,352

To$1,750

↑ $398

3 Bed

From$1,860

To$2,330

↑ $470

Loveland, COZIP-level data

1BR range: $1,440–$1,610/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.

$7,811

Monthly in Loveland, CO

$8,068

Monthly in Phoenix, AZ

$257

Difference

Home Values

Loveland

Phoenix

$489K

Median Value

$414K

↓ -1.8%

YoY Change

↓ -3.1%

↑ +21.9%

5-Year Change

↑ +30.2%

$486K - $492K

Price Range

$274K - $957K

Homes in Phoenix are 15% less expensive than Loveland

Calculate payment - Loveland Calculate payment - Phoenix

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $1.4K

Per year

Monthly Difference

$114

More take-home

Effective Rate Diff

0.9%

Rate difference

Loveland, CO

Federal Income Tax

Effective: 18.9%

$25.5K

Colorado State Tax

Effective: 4.4%

$6.6K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 29.1%

$43.6K

Take-Home Pay

$8,866/month

$106.4K

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

Loveland, CO Tax Rates

Sales Tax:7.8%

Property Tax:0.5%

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.