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Cost of Living Comparison 2026

📍 Oxford, MS — COL adjusted from Memphis, TN area + state data

$

Numbers update automatically as you type

You'd spend $2.3K/month more in Phoenix, AZ

$150.0K in your current city equals $177.5K in Phoenix, AZ

Rent data from HUD ZIP-level estimates · COL index from area
Overall Cost
↑ 30.6%
More expensive
Monthly Impact
$2,292
Extra cost
Annual Impact
$27.5K
Per year

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

Oxford, MS

Population:27K
Cost Index:100
Median Home:$129K

Phoenix, AZ

Population:1608K
Cost Index:131
Median Home:$414K

Oxford, MS

The Magnolia State

27K
Population
State Tax
Yes

Located in Mississippi, this city has a population of 27K 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: Oxford, MS vs Phoenix, AZ

🏠Housing
↑ 82.7%
Oxford, MS
$1,526
Phoenix, AZ
$2,788
Difference
$1,262
more
🚗Transportation
↑ 30.3%
Oxford, MS
$1,142
Phoenix, AZ
$1,489
Difference
$346
more
📦Other
↑ 9.0%
Oxford, MS
$1,539
Phoenix, AZ
$1,677
Difference
$139
more
🏥Healthcare
↑ 16.6%
Oxford, MS
$505
Phoenix, AZ
$589
Difference
$83.71
more
🛒Groceries
↑ 7.0%
Oxford, MS
$901
Phoenix, AZ
$963
Difference
$62.78
more
⚡All Utilities
↑ 10.4%
Oxford, MS
$508
Phoenix, AZ
$561
Difference
$53.04
more

🏠Rent Comparison

Studio
From$508
To$1,390
↑ $882
1 Bed
From$586
To$1,510
↑ $924
2 Bed
From$703
To$1,750
↑ $1,047
3 Bed
From$937
To$2,330
↑ $1,393
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.

$6,121
Monthly in Oxford, MS
$8,068
Monthly in Phoenix, AZ
$1,947
Difference

Home Values

Oxford
Phoenix
-
Median Value
$414K
-
YoY Change
↓ -3.1%
-
5-Year Change
↑ +30.2%
-
Price Range
$274K - $957K
Calculate payment - Phoenix

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↑ $2.1K
Per year
Monthly Difference
$176
More take-home
Effective Rate Diff
1.4%
Rate difference

Oxford, MS

Federal Income Tax
Effective: 18.9%
$25.5K
Mississippi State Tax
Effective: 4.9%
$7.3K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 29.6%
$44.4K
Take-Home Pay
$8,803/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

Oxford, MS Tax Rates

Sales Tax:7.1%
Property Tax:0.6%

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

Oxford
Phoenix
55 Moderate
Air Quality
77 Moderate
34.4%
Good Air Days
9%
99 High
Climate Risk
100 Very High
🌊🌡🫨
Top Hazards
🔥🌊🌡
▲+2.8°F
2050 Outlook
▲+2.7°F
54 days
Heat Days >95°F
162 days
▲+2.8°F
2050 Outlook
▲+2.7°F
54 days
Heat Days >95°F
162 days

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

Similar cost to Phoenix, AZ

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