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Cost of Living Comparison 2026

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You'd spend $1.6K/month more in Phoenix, AZ

$150.0K in your current city equals $169.3K in Phoenix, AZ

Rent data from HUD ZIP-level estimates · COL index from area
Overall Cost
↑ 21.4%
More expensive
Monthly Impact
$1,606
Extra cost
Annual Impact
$19.3K
Per year

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

Montgomery, AL

Population:201K
Cost Index:100
Median Home:$104K

Phoenix, AZ

Population:1608K
Cost Index:121
Median Home:$414K

Montgomery, AL

The Heart of Dixie

201K
Population
State Tax
Yes

Located in Alabama, this city has a population of 201K 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: Montgomery, AL vs Phoenix, AZ

🏠Housing
↑ 51.1%
Montgomery, AL
$1,845
Phoenix, AZ
$2,788
Difference
$943
more
🚗Transportation
↑ 23.9%
Montgomery, AL
$1,202
Phoenix, AZ
$1,489
Difference
$287
more
📦Other
↑ 10.1%
Montgomery, AL
$1,523
Phoenix, AZ
$1,677
Difference
$154
more
🏥Healthcare
↑ 14.5%
Montgomery, AL
$514
Phoenix, AZ
$589
Difference
$74.35
more
⚡All Utilities
↑ 3.7%
Montgomery, AL
$541
Phoenix, AZ
$561
Difference
$20.22
more
🛒Groceries
↑ 0.4%
Montgomery, AL
$959
Phoenix, AZ
$963
Difference
$4.00
more

🏠Rent Comparison

Studio
From$830
To$1,390
↑ $560
1 Bed
From$840
To$1,510
↑ $670
2 Bed
From$980
To$1,750
↑ $770
3 Bed
From$1,255
To$2,330
↑ $1,075
Montgomery, ALZIP-level data

1BR range: $750–$1,110/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.

$6,585
Monthly in Montgomery, AL
$8,068
Monthly in Phoenix, AZ
$1,483
Difference

Home Values

Montgomery
Phoenix
$104K
Median Value
$414K
↓ -0.1%
YoY Change
↓ -3.1%
↑ +27.6%
5-Year Change
↑ +30.2%
$45K - $250K
Price Range
$274K - $957K

Homes in Phoenix are 298% more expensive than Montgomery

Calculate payment - MontgomeryCalculate payment - Phoenix

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↑ $2.2K
Per year
Monthly Difference
$186
More take-home
Effective Rate Diff
1.5%
Rate difference

Montgomery, AL

Federal Income Tax
Effective: 18.9%
$25.5K
Alabama State Tax
Effective: 5.0%
$7.5K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 29.6%
$44.5K
Take-Home Pay
$8,794/month
$105.5K

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

Montgomery, AL Tax Rates

Sales Tax:9.1%
Property Tax:0.4%

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

Montgomery
Phoenix
42 Good
Air Quality
77 Moderate
69%
Good Air Days
9%
92 Moderate
Climate Risk
100 Very High
🌊🌡🌪
Top Hazards
🔥🌊🌡
▲+2.6°F
2050 Outlook
▲+2.7°F
62 days
Heat Days >95°F
162 days
▲+2.6°F
2050 Outlook
▲+2.7°F
62 days
Heat Days >95°F
162 days

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

Similar cost to Phoenix, AZ

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