Is Kansas City, MO cheaper than Surprise, AZ?

Based on cost of living data, Kansas City, MO is 10.9% cheaper than Surprise, AZ. This translates to saving $817 per month.

What salary do I need in Kansas City, MO to live like I do in Surprise, AZ?

If you earn $150,000 in Surprise, AZ, you'd need approximately $140,198.02 in Kansas City, MO to maintain the same standard of living.

How does housing cost compare between Surprise, AZ and Kansas City, MO?

Housing in Kansas City, MO is 19.0% cheaper than in Surprise, AZ. For a two-bedroom apartment, rent is $1,460/month in Kansas City, MO compared to $2,190/month in Surprise, AZ.

How much can I save per month by moving from Surprise, AZ to Kansas City, MO?

Moving from Surprise, AZ to Kansas City, MO could save you approximately $817 per month, or $9802 per year, based on a $150,000 salary.

Surprise, AZ vs Kansas City, MO: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Surprise, AZ — ZIP-level rent data · COL adjusted from Glendale, AZ area

Current salary in Surprise, AZ

Numbers update automatically as you type

You'd save $817/month moving to Kansas City, MO

$150.0K in your current city equals $140.2K in Kansas City, MO

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

Overall Cost

↓ 10.9%

Less expensive

Monthly Impact

$817

Savings

Annual Impact

$9.8K

Per year

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

Surprise, AZ

Population:158K

Cost Index:100

Median Home:$385K

Kansas City, MO

Population:508K

Cost Index:89

Median Home:$257K

Surprise, AZ

The Grand Canyon State

158K

Population

State Tax

Yes

Located in Arizona, this city has a population of 158K residents.

Kansas City, MO

The Show-Me State

508K

Population

State Tax

Yes

Located in Missouri, this city has a population of 508K residents.

Cost Breakdown by Category

Annual spending: Surprise, AZ vs Kansas City, MO

Category	Surprise, AZ	Kansas City, MO	Difference	Change
🏠Housing	$2,599/mo	$2,105/mo	↓ $494less	19.0%
🚗Transportation	$1,489/mo	$1,216/mo	↓ $273less	18.3%
📦Other	$1,674/mo	$1,607/mo	↓ $66.96less	4.0%
🏥Healthcare	$589/mo	$607/mo	↑ $18.59more	3.2%
⚡All Utilities	$546/mo	$535/mo	↓ $10.93less	2.0%
🛒Groceries	$959/mo	$949/mo	↓ $9.99less	1.0%

🏠Housing

↓ 19.0%

Surprise, AZ

$2,599

Kansas City, MO

$2,105

Difference

$494

less

🚗Transportation

↓ 18.3%

Surprise, AZ

$1,489

Kansas City, MO

$1,216

Difference

$273

less

📦Other

↓ 4.0%

Surprise, AZ

$1,674

Kansas City, MO

$1,607

Difference

$66.96

less

🏥Healthcare

↑ 3.2%

Surprise, AZ

$589

Kansas City, MO

$607

Difference

$18.59

⚡All Utilities

↓ 2.0%

Surprise, AZ

$546

Kansas City, MO

$535

Difference

$10.93

less

🛒Groceries

↓ 1.0%

Surprise, AZ

$959

Kansas City, MO

$949

Difference

$9.99

less

🏛️ Local Income Taxes

Kansas City, MO: Kansas City Earnings Tax$1,500/yr (1.0%)

Surprise, AZ has no local income tax.

Local taxes are in addition to state income tax. Not all cities levy local income taxes.

🏠Rent Comparison

Studio

From$1,730

To$1,180

↓ $550

1 Bed

From$1,890

To$1,280

↓ $610

2 Bed

From$2,190

To$1,460

↓ $730

3 Bed

From$2,920

To$1,900

↓ $1,020

Surprise, AZZIP-level data

1BR range: $1,890–$1,890/mo

Kansas City, MOZIP-level data

1BR range: $900–$1,800/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.

$7,856

Monthly in Surprise, AZ

$7,020

Monthly in Kansas City, MO

$836

Difference

Home Values

Surprise

Kansas City

$385K

Median Value

$257K

↓ -3.9%

YoY Change

↑ +0.6%

↑ +24.6%

5-Year Change

↑ +32.2%

$385K

Price Range

$80K - $587K

Homes in Kansas City are 33% less expensive than Surprise

Calculate payment - Surprise Calculate payment - Kansas City

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↓ $2.7K

More taxes

Monthly Difference

$225

Less take-home

Effective Rate Diff

1.8%

Rate difference

Surprise, 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

Kansas City, MO

Federal Income Tax

Effective: 18.9%

$25.5K

Missouri State Tax

Effective: 5.3%

$7.9K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 30.0%

$44.9K

Take-Home Pay

$8,755/month

$105.1K

Additional Tax Information

Surprise, AZ Tax Rates

Sales Tax:8.5%

Property Tax:0.6%

Kansas City, MO Tax Rates

Sales Tax:8.2%

Property Tax:1.0%

💡 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.