Is Tampa, FL cheaper than Phoenix, AZ?

Based on cost of living data, Tampa, FL is 0.2% cheaper than Phoenix, AZ. The two cities have very similar living costs.

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

If you earn $150,000 in Phoenix, AZ, you'd need approximately $149,825.581 in Tampa, FL to maintain the same standard of living.

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

Housing in Tampa, FL is 3.1% cheaper than in Phoenix, AZ. For a two-bedroom apartment, rent is $2,290/month in Tampa, FL compared to $1,750/month in Phoenix, AZ.

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

Moving from Phoenix, AZ to Tampa, FL could save you approximately $15 per month, or $174 per year, based on a $150,000 salary.

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Phoenix, AZ

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Tampa, FL

Cost of Living Comparison 2026

Current salary in Phoenix, AZ

Numbers update automatically as you type

You'd save $14.53/month moving to Tampa, FL

$150.0K in your current city equals $149.8K in Tampa, FL

Rent data from HUD ZIP-level estimates · COL index from Phoenix-Mesa-Chandler, AZ area

Overall Cost

↓ 0.2%

Less expensive

Monthly Impact

$14.53

Savings

Annual Impact

$174

Per year

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

Phoenix, AZ

Population:1608K

Cost Index:100

Median Home:$414K

Tampa, FL

Population:385K

Cost Index:100

Median Home:$367K

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

Tampa, FL

The Sunshine State

385K

Population

State Tax

No Income Tax

Climate

Humid subtropical

Notable Facts

•Major Tampa Bay area
•No state income tax
•Growing tech scene

Major Industries

FinanceTechnologyHealthcareTourism

Cost Breakdown by Category

Annual spending: Phoenix, AZ vs Tampa, FL

Category	Phoenix, AZ	Tampa, FL	Difference	Change
🚗Transportation	$1,489/mo	$1,284/mo	↓ $205less	13.8%
📦Other	$1,677/mo	$1,808/mo	↑ $131more	7.8%
🏠Housing	$2,788/mo	$2,703/mo	↓ $85.76less	3.1%
🛒Groceries	$963/mo	$1,019/mo	↑ $55.96more	5.8%
🏥Healthcare	$589/mo	$570/mo	↓ $18.59less	3.2%
⚡All Utilities	$561/mo	$574/mo	↑ $12.57more	2.2%

🚗Transportation

↓ 13.8%

Phoenix, AZ

$1,489

Tampa, FL

$1,284

Difference

$205

less

📦Other

↑ 7.8%

Phoenix, AZ

$1,677

Tampa, FL

$1,808

Difference

$131

🏠Housing

↓ 3.1%

Phoenix, AZ

$2,788

Tampa, FL

$2,703

Difference

$85.76

less

🛒Groceries

↑ 5.8%

Phoenix, AZ

$963

Tampa, FL

$1,019

Difference

$55.96

🏥Healthcare

↓ 3.2%

Phoenix, AZ

$589

Tampa, FL

$570

Difference

$18.59

less

⚡All Utilities

↑ 2.2%

Phoenix, AZ

$561

Tampa, FL

$574

Difference

$12.57

🏠Rent Comparison

Studio

From$1,390

To$1,850

↑ $460

1 Bed

From$1,510

To$1,960

↑ $450

2 Bed

From$1,750

To$2,290

↑ $540

3 Bed

From$2,330

To$2,930

↑ $600

Phoenix, AZZIP-level data

1BR range: $1,300–$2,380/mo

Tampa, FLZIP-level data

1BR range: $1,410–$2,550/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.

$8,068

Monthly in Phoenix, AZ

$7,958

Monthly in Tampa, FL

$110

Difference

Home Values

Phoenix

Tampa

$414K

Median Value

$367K

↓ -3.1%

YoY Change

↓ -4%

↑ +30.2%

5-Year Change

↑ +42.1%

$274K - $957K

Price Range

$251K - $989K

Homes in Tampa are 11% less expensive than Phoenix

Calculate payment - Phoenix Calculate payment - Tampa

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $5.2K

Per year

Monthly Difference

$436

More take-home

Effective Rate Diff

3.5%

Rate difference

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

Tampa, 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

Additional Tax Information

Phoenix, AZ Tax Rates

Sales Tax:8.5%

Property Tax:0.6%

Tampa, FL Tax Rates

Sales Tax:7.2%

Property Tax:0.8%

💡 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.