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Cost of Living Comparison 2026

📍 Normal, IL — ZIP-level rent data · COL adjusted from Chicago, IL area

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Numbers update automatically as you type

You'd spend $1.3K/month more in Phoenix, AZ

$150.0K in your current city equals $165.9K in Phoenix, AZ

Rent data from HUD ZIP-level estimates · COL index from area
Overall Cost
↑ 17.7%
More expensive
Monthly Impact
$1,325
Extra cost
Annual Impact
$15.9K
Per year

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

Normal, IL

Population:53K
Cost Index:100
Median Home:$254K

Phoenix, AZ

Population:1608K
Cost Index:118
Median Home:$414K

Normal, IL

The Prairie State

53K
Population
State Tax
Yes

Located in Illinois, this city has a population of 53K 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: Normal, IL vs Phoenix, AZ

🏠Housing
↑ 24.5%
Normal, IL
$2,239
Phoenix, AZ
$2,788
Difference
$549
more
📦Other
↑ 17.6%
Normal, IL
$1,426
Phoenix, AZ
$1,677
Difference
$251
more
🚗Transportation
↑ 9.2%
Normal, IL
$1,363
Phoenix, AZ
$1,489
Difference
$126
more
⚡All Utilities
↑ 20.0%
Normal, IL
$468
Phoenix, AZ
$561
Difference
$93.61
more
🏥Healthcare
↑ 9.9%
Normal, IL
$536
Phoenix, AZ
$589
Difference
$52.85
more
🛒Groceries
↑ 3.9%
Normal, IL
$927
Phoenix, AZ
$963
Difference
$36.22
more

🏠Rent Comparison

Studio
From$607
To$1,390
↑ $783
1 Bed
From$648
To$1,510
↑ $862
2 Bed
From$848
To$1,750
↑ $902
3 Bed
From$1,117
To$2,330
↑ $1,213
Normal, ILZIP-level data

1BR range: $940–$940/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.

$6,959
Monthly in Normal, IL
$8,068
Monthly in Phoenix, AZ
$1,109
Difference

Home Values

Normal
Phoenix
$254K
Median Value
$414K
↑ +2.5%
YoY Change
↓ -3.1%
↑ +34%
5-Year Change
↑ +30.2%
$254K
Price Range
$274K - $957K

Homes in Phoenix are 63% more expensive than Normal

Calculate payment - NormalCalculate 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
$183
More take-home
Effective Rate Diff
1.5%
Rate difference

Normal, IL

Federal Income Tax
Effective: 18.9%
$25.5K
Illinois State Tax
Effective: 5.0%
$7.4K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 29.6%
$44.4K
Take-Home Pay
$8,797/month
$105.6K

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

Normal, IL Tax Rates

Sales Tax:8.8%
Property Tax:2.2%

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

Normal
Phoenix
54 Moderate
Air Quality
77 Moderate
35.8%
Good Air Days
9%
100 Very High
Climate Risk
100 Very High
🌊🌡🫨
Top Hazards
🔥🌊🌡
▲+3.2°F
2050 Outlook
▲+2.7°F
18 days
Heat Days >95°F
162 days
▲+3.2°F
2050 Outlook
▲+2.7°F
18 days
Heat Days >95°F
162 days

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

Where your money goes further

Cities cheaper than Normal, IL on a $150.0K salary

1.Indianapolis, IN
Save $60.12/mo
2.St. Louis, MO
Save $60.12/mo

Similar cost to Phoenix, AZ

Other cities in a similar price range

Denver, CORaleigh, NCCharlotte, NC

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