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Cost of Living Comparison 2026

📍 Richmond, IN — ZIP-level rent data · COL adjusted from Cincinnati, OH area

$

Numbers update automatically as you type

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

$150.0K in your current city equals $169.0K in Phoenix, AZ

Rent data from HUD ZIP-level estimates · COL index from area
Overall Cost
↑ 21.1%
More expensive
Monthly Impact
$1,580
Extra cost
Annual Impact
$19.0K
Per year

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

Richmond, IN

Population:35K
Cost Index:100
Median Home:$149K

Phoenix, AZ

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

Richmond, IN

The Hoosier State

35K
Population
State Tax
Yes

Located in Indiana, this city has a population of 35K 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: Richmond, IN vs Phoenix, AZ

🏠Housing
↑ 55.6%
Richmond, IN
$1,792
Phoenix, AZ
$2,788
Difference
$996
more
🚗Transportation
↑ 27.9%
Richmond, IN
$1,164
Phoenix, AZ
$1,489
Difference
$325
more
📦Other
↑ 9.0%
Richmond, IN
$1,539
Phoenix, AZ
$1,677
Difference
$138
more
⚡All Utilities
↑ 23.5%
Richmond, IN
$455
Phoenix, AZ
$561
Difference
$107
more
🛒Groceries
↑ 7.1%
Richmond, IN
$900
Phoenix, AZ
$963
Difference
$63.59
more
🏥Healthcare
↑ 6.7%
Richmond, IN
$552
Phoenix, AZ
$589
Difference
$36.82
more

🏠Rent Comparison

Studio
From$594
To$1,390
↑ $796
1 Bed
From$602
To$1,510
↑ $908
2 Bed
From$790
To$1,750
↑ $960
3 Bed
From$985
To$2,330
↑ $1,345
Richmond, INZIP-level data

1BR range: $740–$740/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.

$6,402
Monthly in Richmond, IN
$8,068
Monthly in Phoenix, AZ
$1,666
Difference

Home Values

Richmond
Phoenix
$149K
Median Value
$414K
↑ +6%
YoY Change
↓ -3.1%
↑ +46.9%
5-Year Change
↑ +30.2%
$149K
Price Range
$274K - $957K

Homes in Phoenix are 177% more expensive than Richmond

Calculate payment - RichmondCalculate payment - Phoenix

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↓ $388
More taxes
Monthly Difference
$32.32
Less take-home
Effective Rate Diff
0.3%
Rate difference

Richmond, IN

Federal Income Tax
Effective: 18.9%
$25.5K
Indiana State Tax
Effective: 3.2%
$4.8K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 27.9%
$41.9K
Take-Home Pay
$9,012/month
$108.1K

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

Richmond, IN Tax Rates

Sales Tax:7.0%
Property Tax:0.9%

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

Richmond
Phoenix
52 Moderate
Air Quality
77 Moderate
44.8%
Good Air Days
9%
96 High
Climate Risk
100 Very High
🌊🌡🌪
Top Hazards
🔥🌊🌡
▲+3.1°F
2050 Outlook
▲+2.7°F
29 days
Heat Days >95°F
162 days
▲+3.1°F
2050 Outlook
▲+2.7°F
29 days
Heat Days >95°F
162 days

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

Similar cost to Phoenix, AZ

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