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Cost of Living Comparison 2026

📍 Oak Ridge, TN — ZIP-level rent data · COL adjusted from Nashville, TN area

$

Numbers update automatically as you type

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

$150.0K in your current city equals $169.2K in Phoenix, AZ

Rent data from HUD ZIP-level estimates · COL index from Knoxville, TN area
Overall Cost
↑ 21.4%
More expensive
Monthly Impact
$1,602
Extra cost
Annual Impact
$19.2K
Per year

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

Oak Ridge, TN

Population:33K
Cost Index:100
Median Home:$315K

Phoenix, AZ

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

Oak Ridge, TN

The Volunteer State

33K
Population
State Tax
No Income Tax

Located in Tennessee, this city has a population of 33K residents.

💡 Advantage: Tennessee 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: Oak Ridge, TN vs Phoenix, AZ

🏠Housing
↑ 41.6%
Oak Ridge, TN
$1,969
Phoenix, AZ
$2,788
Difference
$819
more
🚗Transportation
↑ 40.5%
Oak Ridge, TN
$1,060
Phoenix, AZ
$1,489
Difference
$429
more
🛒Groceries
↑ 11.7%
Oak Ridge, TN
$863
Phoenix, AZ
$963
Difference
$101
more
⚡All Utilities
↑ 19.0%
Oak Ridge, TN
$472
Phoenix, AZ
$561
Difference
$89.52
more
📦Other
↑ 4.6%
Oak Ridge, TN
$1,603
Phoenix, AZ
$1,677
Difference
$74.23
more
🏥Healthcare
↑ 6.7%
Oak Ridge, TN
$552
Phoenix, AZ
$589
Difference
$36.90
more

🏠Rent Comparison

Studio
From$772
To$1,390
↑ $618
1 Bed
From$772
To$1,510
↑ $738
2 Bed
From$954
To$1,750
↑ $796
3 Bed
From$1,221
To$2,330
↑ $1,109
Oak Ridge, TNZIP-level data

1BR range: $1,100–$1,100/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.

$6,519
Monthly in Oak Ridge, TN
$8,068
Monthly in Phoenix, AZ
$1,549
Difference

Home Values

Oak Ridge
Phoenix
$315K
Median Value
$414K
↑ +2.2%
YoY Change
↓ -3.1%
↑ +64.6%
5-Year Change
↑ +30.2%
$315K
Price Range
$274K - $957K

Homes in Phoenix are 32% more expensive than Oak Ridge

Calculate payment - Oak RidgeCalculate 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

Oak Ridge, TN

Federal Income Tax
Effective: 18.9%
$25.5K
Tennessee State Tax
No state income tax
$0
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

Oak Ridge, TN Tax Rates

Sales Tax:9.5%
Property Tax:0.7%

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

Oak Ridge
Phoenix
50 Good
Air Quality
77 Moderate
51.6%
Good Air Days
9%
97 High
Climate Risk
100 Very High
🌊🫨🌪
Top Hazards
🔥🌊🌡
▲+2.8°F
2050 Outlook
▲+2.7°F
42 days
Heat Days >95°F
162 days
▲+2.8°F
2050 Outlook
▲+2.7°F
42 days
Heat Days >95°F
162 days

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

Similar cost to Phoenix, AZ

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