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Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

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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 Β· 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:
90
(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.

πŸ’‘ Advantage: Texas has no state income tax!

Cost Breakdown by Category

Annual spending: Surprise, AZ vs Pearland, TX

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

πŸ’‘ 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

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
$0
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%

πŸ’‘ 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

Surprise
Pearland
77 Moderate
Air Quality
61 Moderate
9%
Good Air Days
13.7%
100 Very High
Climate Risk
100 Very High
πŸ”₯🌊🌑
Top Hazards
πŸŒŠπŸŒ…πŸŒ€
β–²+2.7Β°F
2050 Outlook
β–²+2.2Β°F
165 days
Heat Days >95Β°F
64 days
β–²+2.7Β°F
2050 Outlook
β–²+2.2Β°F
165 days
Heat Days >95Β°F
64 days

What to Consider When Moving from Surprise, AZ to Pearland, TX

Relocating from Surprise, AZ to Pearland, TX involves more than just comparing rent prices. While the overall cost of living is about 10% lower in Pearland, TX, 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 Pearland, TX is 29% cheaper than in Surprise, AZ. Keep in mind that neighborhood choice within a city can swing rent by 30–50%, so research specific areas β€” not just city averages β€” 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 Pearland, TX 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 Pearland, TX to match your current standard of living in Surprise, 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 β€œfeel” 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 Pearland, TX for a week before making a final decision β€” experiencing the day-to-day rhythm matters more than any spreadsheet.

Frequently Asked Questions: Surprise, AZ vs Pearland, TX

Is Pearland, TX cheaper than Surprise, AZ?

Yes, Pearland, TX is about 10.5% cheaper than Surprise, AZ. You could save approximately $784/month on a $150,000 salary. Housing costs are 29% lower in Pearland, TX.

What salary do I need in Pearland, TX to match my lifestyle in Surprise, AZ?

If you currently earn $150,000 in Surprise, AZ, you would need approximately $140,589 in Pearland, TX 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 Surprise, AZ and Pearland, TX?

A two-bedroom apartment averages $2,190/month in Surprise, AZ compared to $1,287/month in Pearland, TX. One-bedroom apartments are $1,890/month in Surprise, AZ vs $1,167/month in Pearland, TX. These are area-wide medians β€” specific neighborhoods can vary significantly. Check the ZIP-level rent breakdown above for more granular data.

Are groceries more expensive in Surprise, AZ or Pearland, TX?

Groceries are about 8% cheaper in Pearland, TX than in Surprise, AZ, saving a typical household roughly $77.05/month on food.

What is the best time to move from Surprise, AZ to Pearland, TX?

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.

πŸ’° See how taxes change too β€” compare take-home pay between Arizona and Texas on TaxTakeHome.com

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