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Cost of Living Comparison 2026

๐Ÿ“ O'Fallon, IL โ€” COL adjusted from St. Louis, MO area + state data

$

Numbers update automatically as you type

You'd spend $1.9K/month more in Phoenix, AZ

$150.0K in your current city equals $172.2K in Phoenix, AZ

Rent data from HUD ZIP-level estimates ยท COL index from St. Louis, MO-IL area
Overall Cost
โ†‘ 24.7%
More expensive
Monthly Impact
$1,852
Extra cost
Annual Impact
$22.2K
Per year

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

O'Fallon, IL

Population:32K
Cost Index:100
Median Home:$145K

Phoenix, AZ

Population:1608K
Cost Index:125
Median Home:$414K

O'Fallon, IL

The Prairie State

32K
Population
State Tax
Yes

Located in Illinois, this city has a population of 32K residents.

Phoenix, AZ

The Grand Canyon State

1.6M
Population
State Tax
Yes
Climate
Hot desert

Notable Facts

  • โ€ขFastest growing major city
  • โ€ขDesert metropolis
  • โ€ขSpring training capital

Major Industries

TechnologyHealthcareTourismManufacturing

Cost Breakdown by Category

Annual spending: O'Fallon, IL vs Phoenix, AZ

๐Ÿ Housing
โ†‘ 74.1%
O'Fallon, IL
$1,602
Phoenix, AZ
$2,788
Difference
$1,187
more
๐Ÿš—Transportation
โ†‘ 28.7%
O'Fallon, IL
$1,156
Phoenix, AZ
$1,489
Difference
$332
more
๐Ÿ“ฆOther
โ†‘ 9.7%
O'Fallon, IL
$1,529
Phoenix, AZ
$1,677
Difference
$149
more
๐ŸฅHealthcare
โ†‘ 14.6%
O'Fallon, IL
$514
Phoenix, AZ
$589
Difference
$74.95
more
โšกAll Utilities
โ†‘ 7.4%
O'Fallon, IL
$522
Phoenix, AZ
$561
Difference
$38.89
more
๐Ÿ›’Groceries
โ†‘ 4.0%
O'Fallon, IL
$926
Phoenix, AZ
$963
Difference
$37.41
more

๐Ÿ Rent Comparison

Studio
From$526
To$1,390
โ†‘ $864
1 Bed
From$606
To$1,510
โ†‘ $904
2 Bed
From$728
To$1,750
โ†‘ $1,022
3 Bed
From$1,011
To$2,330
โ†‘ $1,319
Phoenix, AZZIP-level data

1BR range: $1,300โ€“$2,380/mo

๐Ÿ’ก 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.

$6,249
Monthly in O'Fallon, IL
$8,068
Monthly in Phoenix, AZ
$1,819
Difference

Home Values

O'Fallon
Phoenix
-
Median Value
$414K
-
YoY Change
โ†“ -3.1%
-
5-Year Change
โ†‘ +30.2%
-
Price Range
$274K - $957K

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
โ†‘ $2.2K
Per year
Monthly Difference
$183
More take-home
Effective Rate Diff
1.5%
Rate difference

O'Fallon, 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

O'Fallon, IL Tax Rates

Sales Tax:8.8%
Property Tax:2.2%

Phoenix, AZ Tax Rates

Sales Tax:8.5%
Property Tax:0.6%

๐Ÿ’ก 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

O'Fallon
Phoenix
54 Moderate
Air Quality
77 Moderate
38%
Good Air Days
9%
99 High
Climate Risk
100 Very High
๐ŸŒŠ๐ŸŒก๐Ÿซจ
Top Hazards
๐Ÿ”ฅ๐ŸŒŠ๐ŸŒก
โ–ฒ+3.0ยฐF
2050 Outlook
โ–ฒ+2.7ยฐF
39 days
Heat Days >95ยฐF
162 days
โ–ฒ+3.0ยฐF
2050 Outlook
โ–ฒ+2.7ยฐF
39 days
Heat Days >95ยฐF
162 days

๐Ÿ’ฐ See how taxes change too โ€” compare take-home pay between Illinois and Arizona on TaxTakeHome.com

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