Is Round Rock, TX cheaper than Surprise, AZ?

Based on cost of living data, Round Rock, TX is 2.5% cheaper than Surprise, AZ. This translates to saving $186 per month.

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

If you earn $150,000 in Surprise, AZ, you'd need approximately $147,764.669 in Round Rock, TX to maintain the same standard of living.

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

Housing in Round Rock, TX is 4.5% cheaper than in Surprise, AZ. For a two-bedroom apartment, rent is $1,577/month in Round Rock, TX compared to $2,190/month in Surprise, AZ.

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

Moving from Surprise, AZ to Round Rock, TX could save you approximately $186 per month, or $2235 per year, based on a $150,000 salary.

Surprise, AZ vs Round Rock, 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 $186/month moving to Round Rock, TX

$150.0K in your current city equals $147.8K in Round Rock, TX

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

Overall Cost

↓ 2.5%

Less expensive

Monthly Impact

$186

Savings

Annual Impact

$2.2K

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

Round Rock, TX

Population:130K

Cost Index:

(2% below avg)

Median Home:$404K

Surprise, AZ

The Grand Canyon State

158K

Population

State Tax

Yes

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

Round Rock, TX

The Lone Star State

130K

Population

State Tax

No Income Tax

Located in Texas, this city has a population of 130K residents.

💡 Advantage: Texas has no state income tax!

Cost Breakdown by Category

Annual spending: Surprise, AZ vs Round Rock, TX

Category	Surprise, AZ	Round Rock, TX	Difference	Change
Transportation	$1,489/mo	$1,228/mo	↓ $261less	17.5%
Housing	$2,599/mo	$2,482/mo	↓ $116less	4.5%
Groceries	$959/mo	$938/mo	↓ $21.23less	2.2%
All Utilities	$546/mo	$529/mo	↓ $17.44less	3.2%
Healthcare	$589/mo	$576/mo	↓ $13.03less	2.2%
Other	$1,674/mo	$1,665/mo	↓ $9.25less	0.6%

Transportation

↓ 17.5%

Surprise, AZ

$1,489

Round Rock, TX

$1,228

Difference

$261

less

Housing

↓ 4.5%

Surprise, AZ

$2,599

Round Rock, TX

$2,482

Difference

$116

less

Groceries

↓ 2.2%

Surprise, AZ

$959

Round Rock, TX

$938

Difference

$21.23

less

All Utilities

↓ 3.2%

Surprise, AZ

$546

Round Rock, TX

$529

Difference

$17.44

less

Healthcare

↓ 2.2%

Surprise, AZ

$589

Round Rock, TX

$576

Difference

$13.03

less

Other

↓ 0.6%

Surprise, AZ

$1,674

Round Rock, TX

$1,665

Difference

$9.25

less

🏠Rent Comparison

Studio

From$1,730

To$1,252

↓ $478

1 Bed

From$1,890

To$1,329

↓ $561

2 Bed

From$2,190

To$1,577

↓ $613

3 Bed

From$2,920

To$1,999

↓ $921

Surprise, AZZIP-level data

1BR range: $1,890–$1,890/mo

Round Rock, TXZIP-level data

1BR range: $1,510–$1,760/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

$7,418

Monthly in Round Rock, TX

$438

Difference

Home Values

Surprise

Round Rock

$385K

Median Value

$404K

↓ -3.9%

YoY Change

↓ -5.4%

↑ +24.6%

5-Year Change

↑ +21.6%

$385K

Price Range

$335K - $474K

Homes in Round Rock are 5% more expensive than Surprise

Calculate payment - Surprise Calculate payment - Round Rock

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

Round Rock, 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%

Round Rock, 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.