Is Pearland, TX cheaper than Surprise, AZ?

Based on cost of living data, Pearland, TX is 10.5% cheaper than Surprise, AZ. This translates to saving $784 per month.

What salary do I need in Pearland, TX to live like I do in Surprise, AZ?

If you earn $150,000 in Surprise, AZ, you'd need approximately $140,588.723 in Pearland, TX to maintain the same standard of living.

How does housing cost compare between Surprise, AZ and Pearland, TX?

Housing in Pearland, TX is 28.9% cheaper than in Surprise, AZ. For a two-bedroom apartment, rent is $1,287/month in Pearland, TX compared to $2,190/month in Surprise, AZ.

How much can I save per month by moving from Surprise, AZ to Pearland, TX?

Moving from Surprise, AZ to Pearland, TX could save you approximately $784 per month, or $9411 per year, based on a $150,000 salary.

Surprise, AZ vs Pearland, TX: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

Current salary in Surprise, AZ

Numbers update automatically as you type

You'd save $784/month moving to Pearland, TX

$150.0K in your current city equals $140.6K in Pearland, TX

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

Overall Cost

↓ 10.5%

Less expensive

Monthly Impact

$784

Savings

Annual Impact

$9.4K

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

100 = national average

Median Home:$385K

Pearland, TX

Population:128K

Cost Index:

(10% below avg)

Median Home:$369K

Surprise, AZ

The Grand Canyon State

158K

Population

State Tax

Yes

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

Pearland, TX

The Lone Star State

128K

Population

State Tax

No Income Tax

Located in Texas, this city has a population of 128K residents.

💡 Advantage: Texas has no state income tax!

Cost Breakdown by Category

Annual spending: Surprise, AZ vs Pearland, TX

Category	Surprise, AZ	Pearland, TX	Difference	Change
Housing	$2,599/mo	$1,848/mo	↓ $751less	28.9%
Transportation	$1,489/mo	$1,358/mo	↓ $131less	8.8%
Groceries	$959/mo	$882/mo	↓ $77.05less	8.0%
Healthcare	$589/mo	$544/mo	↓ $44.58less	7.6%
Other	$1,674/mo	$1,657/mo	↓ $17.30less	1.0%
All Utilities	$546/mo	$535/mo	↓ $11.62less	2.1%

Housing

↓ 28.9%

Surprise, AZ

$2,599

Pearland, TX

$1,848

Difference

$751

less

Transportation

↓ 8.8%

Surprise, AZ

$1,489

Pearland, TX

$1,358

Difference

$131

less

Groceries

↓ 8.0%

Surprise, AZ

$959

Pearland, TX

$882

Difference

$77.05

less

Healthcare

↓ 7.6%

Surprise, AZ

$589

Pearland, TX

$544

Difference

$44.58

less

Other

↓ 1.0%

Surprise, AZ

$1,674

Pearland, TX

$1,657

Difference

$17.30

less

All Utilities

↓ 2.1%

Surprise, AZ

$546

Pearland, TX

$535

Difference

$11.62

less

🏠Rent Comparison

Studio

From$1,730

To$1,024

↓ $706

1 Bed

From$1,890

To$1,167

↓ $723

2 Bed

From$2,190

To$1,287

↓ $903

3 Bed

From$2,920

To$1,745

↓ $1,175

Surprise, AZZIP-level data

1BR range: $1,890–$1,890/mo

Pearland, TXZIP-level data

1BR range: $1,370–$1,560/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

$6,824

Monthly in Pearland, TX

$1,032

Difference

Home Values

Surprise

Pearland

$385K

Median Value

$369K

↓ -3.9%

YoY Change

↓ -0.8%

↑ +24.6%

5-Year Change

↑ +30.1%

$385K

Price Range

$362K - $377K

Homes in Pearland are 4% less expensive than Surprise

Calculate payment - Surprise Calculate payment - Pearland

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

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

Pearland, TX

Federal Income Tax

Effective: 18.9%

$25.5K

Texas 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

Surprise, AZ Tax Rates

Sales Tax:8.5%

Property Tax:0.6%

Pearland, TX Tax Rates

Sales Tax:8.2%

Property Tax:1.8%

💡 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.