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Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

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Numbers update automatically as you type

You'd spend $34.14/month more in Phoenix, AZ

$150.0K in your current city equals $150.4K in Phoenix, AZ

Rent data from HUD ZIP-level estimates · COL index from area
Overall Cost
0.5%
More expensive
Monthly Impact
$34.14
Extra cost
Annual Impact
$410
Per year

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

San Luis, AZ

Population:38K
Cost Index:
100
100 = national average
Median Home:$257K

Phoenix, AZ

Population:1608K
Cost Index:
100
(0% above avg)
Median Home:$414K

San Luis, AZ

The Grand Canyon State

38K
Population
State Tax
Yes

Located in Arizona, this city has a population of 38K 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: San Luis, AZ vs Phoenix, AZ

Housing
16.9%
San Luis, AZ
$3,354
Phoenix, AZ
$2,788
Difference
$565
less
Transportation
32.9%
San Luis, AZ
$1,121
Phoenix, AZ
$1,489
Difference
$368
more
Other
24.3%
San Luis, AZ
$1,350
Phoenix, AZ
$1,677
Difference
$328
more
Groceries
5.7%
San Luis, AZ
$912
Phoenix, AZ
$963
Difference
$51.75
more
Healthcare
9.2%
San Luis, AZ
$539
Phoenix, AZ
$589
Difference
$49.58
more
All Utilities
4.8%
San Luis, AZ
$535
Phoenix, AZ
$561
Difference
$25.80
more

🏠Rent Comparison

Studio
From$570
To$1,390
$820
1 Bed
From$576
To$1,510
$934
2 Bed
From$752
To$1,750
$998
3 Bed
From$1,025
To$2,330
$1,305
San Luis, AZZIP-level data

1BR range: $950$950/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.

$7,810
Monthly in San Luis, AZ
$8,068
Monthly in Phoenix, AZ
$258
Difference

Home Values

San Luis
Phoenix
$257K
Median Value
$414K
↑ +3.1%
YoY Change
↓ -3.1%
↑ +51.9%
5-Year Change
↑ +30.2%
$257K
Price Range
$274K - $957K

Homes in Phoenix are 61% more expensive than San Luis

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
$0
Same taxes
Monthly Difference
$0
Same take-home
Effective Rate Diff
0.0%
Rate difference

San Luis, 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

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

San Luis, AZ Tax Rates

Sales Tax:8.5%
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

San Luis
Phoenix
71 Moderate
Air Quality
77 Moderate
12.8%
Good Air Days
9%
100 Very High
Climate Risk
100 Very High
🔥🌊🌡
Top Hazards
🔥🌊🌡
+2.0°F
2050 Outlook
+2.7°F
1 days
Heat Days >95°F
162 days
+2.0°F
2050 Outlook
+2.7°F
1 days
Heat Days >95°F
162 days

What to Consider When Moving from San Luis, AZ to Phoenix, AZ

Relocating from San Luis, AZ to Phoenix, AZ involves more than just comparing rent prices. While the overall cost of living is roughly 0% higher in Phoenix, AZ, your actual experience will depend on your lifestyle, job situation, and priorities. Here are the key factors to weigh before making the move.

Housing & Rent

Housing is typically the largest line item in any budget, and it’s where the biggest differences show up between cities. In this comparison, housing in Phoenix, AZ is 17% cheaper than in San Luis, AZ. Keep in mind that neighborhood choice within a city can swing rent by 30–50%, so research specific areas — not just city averages — before signing a lease. If you’re buying, factor in property tax rates, which vary significantly by county and state.

Job Market & Salary Adjustments

A lower cost of living doesn’t help if your salary drops proportionally. Before committing to a move, research whether employers in Phoenix, AZ pay comparable wages for your role. Remote workers may keep their current salary, but some companies adjust pay based on location. Use the salary calculator above to see what you’d need to earn in Phoenix, AZ to match your current standard of living in San Luis, AZ.

Taxes & Take-Home Pay

State income tax, property tax, and sales tax all affect how far your paycheck stretches. Some states have no income tax but make up for it with higher property or sales taxes. The tax comparison section above breaks down how your take-home pay would change. Don’t forget about vehicle registration fees, tolls, and other state-specific costs that add up over a year.

Quality of Life & Lifestyle Fit

Numbers only tell part of the story. Consider climate preferences, commute times, proximity to family, school quality if you have children, healthcare access, and the general “feel” of a city. A place that’s 15% cheaper might not be worth it if it means a longer commute or fewer amenities you value. If possible, visit Phoenix, AZ for a week before making a final decision — experiencing the day-to-day rhythm matters more than any spreadsheet.

Frequently Asked Questions: San Luis, AZ vs Phoenix, AZ

Is Phoenix, AZ cheaper than San Luis, AZ?

Phoenix, AZ is approximately 0.5% more expensive than San Luis, AZ overall. On a $150,000 salary, that translates to roughly $34.14/month in additional expenses. Housing is the biggest factor, costing 17% less in Phoenix, AZ.

What salary do I need in Phoenix, AZ to match my lifestyle in San Luis, AZ?

If you currently earn $150,000 in San Luis, AZ, you would need approximately $150,410 in Phoenix, AZ to maintain the same standard of living. This accounts for differences in housing, groceries, transportation, utilities, healthcare, and other typical expenses. Use the salary input above to adjust this based on your actual income.

How does rent compare between San Luis, AZ and Phoenix, AZ?

A two-bedroom apartment averages $752/month in San Luis, AZ compared to $1,750/month in Phoenix, AZ. One-bedroom apartments are $576/month in San Luis, AZ vs $1,510/month in Phoenix, AZ. These are area-wide medians — specific neighborhoods can vary significantly. Check the ZIP-level rent breakdown above for more granular data.

Are groceries more expensive in San Luis, AZ or Phoenix, AZ?

Groceries are about 6% more expensive in Phoenix, AZ than in San Luis, AZ, which adds roughly $51.75/month to a typical household budget. This covers common items like produce, dairy, meat, and pantry staples based on BLS consumer expenditure data.

What is the best time to move from San Luis, AZ to Phoenix, AZ?

Most people find that moving during the off-season (October through March) results in lower moving costs, since demand for movers and rental trucks drops. If you're renting, you may also find more negotiable lease terms during winter months. However, if you have school-age children, summer moves allow for a smoother school transition. For the best combination of availability and price, consider moving in early fall or late spring.

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