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Cost of Living Comparison 2026

📍 Moorhead, MN — ZIP-level rent data · COL adjusted from Minneapolis, MN 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 $166.8K in Phoenix, AZ

Rent data from HUD ZIP-level estimates · COL index from area
Overall Cost
↑ 18.7%
More expensive
Monthly Impact
$1,402
Extra cost
Annual Impact
$16.8K
Per year

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

Moorhead, MN

Population:45K
Cost Index:100
Median Home:$275K

Phoenix, AZ

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

Moorhead, MN

The North Star State

45K
Population
State Tax
Yes

Located in Minnesota, this city has a population of 45K 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: Moorhead, MN vs Phoenix, AZ

🏠Housing
↑ 37.1%
Moorhead, MN
$2,034
Phoenix, AZ
$2,788
Difference
$755
more
🚗Transportation
↑ 34.1%
Moorhead, MN
$1,111
Phoenix, AZ
$1,489
Difference
$378
more
📦Other
↑ 17.4%
Moorhead, MN
$1,429
Phoenix, AZ
$1,677
Difference
$249
more
⚡All Utilities
↑ 23.1%
Moorhead, MN
$456
Phoenix, AZ
$561
Difference
$105
more
🏥Healthcare
↓ 13.2%
Moorhead, MN
$678
Phoenix, AZ
$589
Difference
$89.62
less
🛒Groceries
↑ 4.3%
Moorhead, MN
$923
Phoenix, AZ
$963
Difference
$39.79
more

🏠Rent Comparison

Studio
From$554
To$1,390
↑ $836
1 Bed
From$664
To$1,510
↑ $846
2 Bed
From$801
To$1,750
↑ $949
3 Bed
From$1,115
To$2,330
↑ $1,215
Moorhead, MNZIP-level data

1BR range: $970–$970/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.

$6,631
Monthly in Moorhead, MN
$8,068
Monthly in Phoenix, AZ
$1,437
Difference

Home Values

Moorhead
Phoenix
$275K
Median Value
$414K
↑ +2.8%
YoY Change
↓ -3.1%
↑ +25.5%
5-Year Change
↑ +30.2%
$275K
Price Range
$274K - $957K

Homes in Phoenix are 51% more expensive than Moorhead

Calculate payment - MoorheadCalculate payment - Phoenix

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↑ $5.2K
Per year
Monthly Difference
$433
More take-home
Effective Rate Diff
3.5%
Rate difference

Moorhead, MN

Federal Income Tax
Effective: 18.9%
$25.5K
Minnesota State Tax
Effective: 7.0%
$10.4K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 31.6%
$47.4K
Take-Home Pay
$8,546/month
$102.6K

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

Moorhead, MN Tax Rates

Sales Tax:8.0%
Property Tax:1.1%

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

Moorhead
Phoenix
42 Good
Air Quality
77 Moderate
66.4%
Good Air Days
9%
98 High
Climate Risk
100 Very High
🌊🌡🌪
Top Hazards
🔥🌊🌡
▲+3.6°F
2050 Outlook
▲+2.7°F
14 days
Heat Days >95°F
162 days
▲+3.6°F
2050 Outlook
▲+2.7°F
14 days
Heat Days >95°F
162 days

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

Similar cost to Phoenix, AZ

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