Santa Fe, NM vs Oro Valley, AZ: Cost of Living
Which city costs less?
Oro Valley, AZ has a modeled overall cost index 1.0% higher than Santa Fe, NM.
- Santa Fe, NM · modeled 2BR rent
- $1,750 / month
- Oro Valley, AZ · modeled 2BR rent
- $2,090 / month
These are saved estimates, not current rental listings. Some cities use adjusted regional data. Your household budget can differ from the overall index. Sources and assumptions
Adjust your income and compare the budget ↓Cost of Living Comparison 2026
Compare Santa Fe, NM and Oro Valley, AZ using saved regional data and explicit budgeting assumptions. Rent estimates are not live listings. Change the salary below, then check the source notes before applying a result to your household.
Saved regional estimates · Sources and assumptions
Estimated extra cost: $68.49/month in Oro Valley, AZ
$150,000 in your current city has a modeled equivalent of $150,822 in Oro Valley, AZ
Assumes 60% of current gross income goes to living costs. The headline uses the category budget below; taxes, moving costs and savings goals are excluded.
Santa Fe, NM
Oro Valley, AZ
Planning the move to Oro Valley?
Organize packing, address changes, and moving-day tasks with a free checklist. Your progress saves in this browser. No account needed.
Plan my move with the free checklistSanta Fe, NM
The Land of Enchantment
Located in New Mexico, this city has a population of 89K residents.
Oro Valley, AZ
The Grand Canyon State
Located in Arizona, this city has a population of 48K residents.
Cost Breakdown by Category
Estimated monthly spending: Santa Fe, NM vs Oro Valley, AZ
Assumes 60% of your current gross income is spent on these categories. The headline and totals use this same budget. Rent estimates below are separate reference data. Rounded amounts may differ by $1.
| Category | Santa Fe, NM | Oro Valley, AZ | Difference | Change |
|---|---|---|---|---|
Other | $1,806/mo | $1,905/mo | ↑ $98.76more | 5.5% |
Groceries | $1,021/mo | $1,084/mo | ↑ $62.72more | 6.1% |
Housing | $2,156/mo | $2,110/mo | ↓ $45.96less | 2.1% |
Transportation | $1,402/mo | $1,358/mo | ↓ $43.90less | 3.1% |
All Utilities | $535/mo | $512/mo | ↓ $23.00less | 4.3% |
Healthcare | $580/mo | $600/mo | ↑ $19.88more | 3.4% |
🏠Rent Comparison
1BR range: $1,440–$1,440/mo
1BR range: $1,610–$1,610/mo
💡 Note: HUD Fair Market Rents estimate 40th-percentile gross rents, including most tenant-paid utilities. City ZIP summaries are medians of those estimates, not market median rents. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.
Home Values
Homes in Oro Valley are 11% less expensive than Santa Fe
Source: Zillow Home Value Index (ZHVI), January 2026
Tax Comparison
Annual tax burden comparison at $150.0K salary
Santa Fe, NM
Oro Valley, AZ
Additional Tax Information
Santa Fe, NM Tax Rates
Oro Valley, AZ Tax Rates
💡 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
Before moving from Santa Fe, NM to Oro Valley, AZ
Use this comparison to shortlist a move, then check the costs that depend on your household.
- Compare actual homes. Get current quotes in Oro Valley, AZ for the same bedroom count and included utilities as your home in Santa Fe, NM. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
- Confirm your income. Check your expected pay with your employer, including any location adjustment. Use “Different salary at destination?” above to compare two incomes. The budget model excludes taxes and one-time moving costs; it is not a take-home-pay calculation.
- Price your daily routine. Check the commute from a specific address to work, school or childcare. Add household expenses missing from this model, such as childcare, debt payments and medical needs. Verify local services before signing a lease.
- Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Santa Fe to Oro Valley moving checklist to organize the tasks and timing.
Still choosing a destination? Explore cities similar to Oro Valley, AZ by cost, housing, population and region.
Frequently Asked Questions: Santa Fe, NM vs Oro Valley, AZ
How do the cost estimates for Santa Fe, NM and Oro Valley, AZ compare?
What does the equivalent salary mean?
What rent estimates are available for Santa Fe, NM and Oro Valley, AZ?
How should I use this comparison before moving?
💰 See how taxes change too — compare take-home pay between New Mexico and Arizona on TaxTakeHome.com
Where your money goes further
Cities cheaper than Santa Fe, NM on a $150.0K salary
Similar cost to Oro Valley, AZ
Other cities in a similar price range
Want to compare different cities?
New Comparison