Is Phoenix, AZ cheaper than North Miami, FL?

Based on cost of living data, Phoenix, AZ is 5.1% cheaper than North Miami, FL. This translates to saving $384 per month.

What salary do I need in Phoenix, AZ to live like I do in North Miami, FL?

If you earn $150,000 in North Miami, FL, you'd need approximately $145,394.8 in Phoenix, AZ to maintain the same standard of living.

How does housing cost compare between North Miami, FL and Phoenix, AZ?

Housing in Phoenix, AZ is 1.8% cheaper than in North Miami, FL. For a two-bedroom apartment, rent is $1,750/month in Phoenix, AZ compared to $1,998/month in North Miami, FL.

How much can I save per month by moving from North Miami, FL to Phoenix, AZ?

Moving from North Miami, FL to Phoenix, AZ could save you approximately $384 per month, or $4605 per year, based on a $150,000 salary.

North Miami, FL vs Phoenix, AZ: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 North Miami, FL — ZIP-level rent data · COL adjusted from Hialeah, FL area

Current salary in North Miami, FL

Numbers update automatically as you type

You'd save $384/month moving to Phoenix, AZ

$150.0K in your current city equals $145.4K in Phoenix, AZ

Rent data from HUD ZIP-level estimates · COL index from Miami-Fort Lauderdale-Pompano Beach, FL area

Overall Cost

↓ 5.1%

Less expensive

Monthly Impact

$384

Savings

Annual Impact

$4.6K

Per year

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

North Miami, FL

Population:59K

Cost Index:100

Median Home:$479K

Phoenix, AZ

Population:1608K

Cost Index:95

Median Home:$414K

North Miami, FL

The Sunshine State

59K

Population

State Tax

No Income Tax

Located in Florida, this city has a population of 59K residents.

💡 Advantage: Florida has no state income tax!

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: North Miami, FL vs Phoenix, AZ

Category	North Miami, FL	Phoenix, AZ	Difference	Change
📦Other	$1,870/mo	$1,677/mo	↓ $192less	10.3%
🛒Groceries	$1,063/mo	$963/mo	↓ $100less	9.4%
🚗Transportation	$1,419/mo	$1,489/mo	↑ $69.53more	4.9%
🏠Housing	$2,839/mo	$2,788/mo	↓ $50.70less	1.8%
⚡All Utilities	$512/mo	$561/mo	↑ $49.62more	9.7%
🏥Healthcare	$580/mo	$589/mo	↑ $8.56more	1.5%

📦Other

↓ 10.3%

North Miami, FL

$1,870

Phoenix, AZ

$1,677

Difference

$192

less

🛒Groceries

↓ 9.4%

North Miami, FL

$1,063

Phoenix, AZ

$963

Difference

$100

less

🚗Transportation

↑ 4.9%

North Miami, FL

$1,419

Phoenix, AZ

$1,489

Difference

$69.53

🏠Housing

↓ 1.8%

North Miami, FL

$2,839

Phoenix, AZ

$2,788

Difference

$50.70

less

⚡All Utilities

↑ 9.7%

North Miami, FL

$512

Phoenix, AZ

$561

Difference

$49.62

🏥Healthcare

↑ 1.5%

North Miami, FL

$580

Phoenix, AZ

$589

Difference

$8.56

🏠Rent Comparison

Studio

From$1,502

To$1,390

↓ $112

1 Bed

From$1,634

To$1,510

↓ $124

2 Bed

From$1,998

To$1,750

↓ $248

3 Bed

From$2,567

To$2,330

↓ $237

North Miami, FLZIP-level data

1BR range: $1,980–$1,980/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.

$8,283

Monthly in North Miami, FL

$8,068

Monthly in Phoenix, AZ

$215

Difference

Home Values

North Miami

Phoenix

$479K

Median Value

$414K

↓ -2.3%

YoY Change

↓ -3.1%

↑ +61.4%

5-Year Change

↑ +30.2%

$479K

Price Range

$274K - $957K

Homes in Phoenix are 14% less expensive than North Miami

Calculate payment - North Miami Calculate payment - Phoenix

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↓ $5.2K

More taxes

Monthly Difference

$436

Less take-home

Effective Rate Diff

3.5%

Rate difference

North Miami, FL

Federal Income Tax

Effective: 18.9%

$25.5K

Florida State Tax

No state income tax

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 24.7%

$37.0K

Take-Home Pay

$9,416/month

$113.0K

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

North Miami, FL Tax Rates

Sales Tax:7.2%

Property Tax:0.8%

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.