Is Phoenix, AZ cheaper than Odessa, TX?

Based on cost of living data, Phoenix, AZ is 13.9% more expensive than Odessa, TX. This translates to spending an extra $1045 per month.

What salary do I need in Phoenix, AZ to live like I do in Odessa, TX?

If you earn $150,000 in Odessa, TX, you'd need approximately $162,544.296 in Phoenix, AZ to maintain the same standard of living.

How does housing cost compare between Odessa, TX and Phoenix, AZ?

Housing in Phoenix, AZ is 35.8% more expensive than in Odessa, TX. For a two-bedroom apartment, rent is $1,750/month in Phoenix, AZ compared to $1,706/month in Odessa, TX.

How much can I save per month by moving from Odessa, TX to Phoenix, AZ?

Living in Phoenix, AZ costs approximately $1045 more per month than Odessa, TX, or $12544 more per year, based on a $150,000 salary.

Odessa, TX vs Phoenix, AZ: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Odessa, TX — ZIP-level rent data · COL adjusted from Lubbock, TX area

Current salary in Odessa, TX

Numbers update automatically as you type

You'd spend $1.0K/month more in Phoenix, AZ

$150.0K in your current city equals $162.5K in Phoenix, AZ

Rent data from HUD ZIP-level estimates · COL index from area

Overall Cost

↑ 13.9%

More expensive

Monthly Impact

$1,045

Extra cost

Annual Impact

$12.5K

Per year

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

Odessa, TX

Population:116K

Cost Index:100

Median Home:$238K

Phoenix, AZ

Population:1608K

Cost Index:114

Median Home:$414K

Odessa, TX

The Lone Star State

116K

Population

State Tax

No Income Tax

Located in Texas, this city has a population of 116K residents.

💡 Advantage: Texas 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: Odessa, TX vs Phoenix, AZ

Category	Odessa, TX	Phoenix, AZ	Difference	Change
🏠Housing	$2,053/mo	$2,788/mo	↑ $736more	35.8%
🚗Transportation	$1,309/mo	$1,489/mo	↑ $180more	13.7%
⚡All Utilities	$499/mo	$561/mo	↑ $62.09more	12.4%
📦Other	$1,622/mo	$1,677/mo	↑ $55.33more	3.4%
🏥Healthcare	$540/mo	$589/mo	↑ $48.13more	8.9%
🛒Groceries	$943/mo	$963/mo	↑ $19.83more	2.1%

🏠Housing

↑ 35.8%

Odessa, TX

$2,053

Phoenix, AZ

$2,788

Difference

$736

🚗Transportation

↑ 13.7%

Odessa, TX

$1,309

Phoenix, AZ

$1,489

Difference

$180

⚡All Utilities

↑ 12.4%

Odessa, TX

$499

Phoenix, AZ

$561

Difference

$62.09

📦Other

↑ 3.4%

Odessa, TX

$1,622

Phoenix, AZ

$1,677

Difference

$55.33

🏥Healthcare

↑ 8.9%

Odessa, TX

$540

Phoenix, AZ

$589

Difference

$48.13

🛒Groceries

↑ 2.1%

Odessa, TX

$943

Phoenix, AZ

$963

Difference

$19.83

🏠Rent Comparison

Studio

From$1,332

To$1,390

↑ $58.00

1 Bed

From$1,359

To$1,510

↑ $151

2 Bed

From$1,706

To$1,750

↑ $44.00

3 Bed

From$2,043

To$2,330

↑ $287

Odessa, TXZIP-level data

1BR range: $1,170–$1,530/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.

$6,967

Monthly in Odessa, TX

$8,068

Monthly in Phoenix, AZ

$1,101

Difference

Home Values

Odessa

Phoenix

$238K

Median Value

$414K

↑ +4%

YoY Change

↓ -3.1%

↑ +8%

5-Year Change

↑ +30.2%

$204K - $331K

Price Range

$274K - $957K

Homes in Phoenix are 74% more expensive than Odessa

Calculate payment - Odessa 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

Odessa, TX

Federal Income Tax

Effective: 18.9%

$25.5K

Texas 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

Odessa, TX Tax Rates

Sales Tax:8.2%

Property Tax:1.8%

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.