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Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

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You'd spend $483/month more in Phoenix, AZ

$150.0K in your current city equals $155.8K in Phoenix, AZ

Rent data from HUD ZIP-level estimates Β· COL index from Tampa-St. Petersburg-Clearwater, FL area
Overall Cost
↑ 6.4%
More expensive
Monthly Impact
$483
Extra cost
Annual Impact
$5.8K
Per year

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

Tarpon Springs, FL

Population:26K
Cost Index:
100
100 = national average
Median Home:$359K

Phoenix, AZ

Population:1608K
Cost Index:
106
(6% above avg)
Median Home:$414K

Tarpon Springs, FL

The Sunshine State

26K
Population
State Tax
No Income Tax

Located in Florida, this city has a population of 26K residents.

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

Phoenix, AZ

The Grand Canyon State

1.6M
Population
State Tax
Yes
Climate
Hot desert

Notable Facts

  • β€’Fastest growing major city
  • β€’Desert metropolis
  • β€’Spring training capital

Major Industries

TechnologyHealthcareTourismManufacturing

Cost Breakdown by Category

Annual spending: Tarpon Springs, FL vs Phoenix, AZ

Housing
↑ 21.8%
Tarpon Springs, FL
$2,290
Phoenix, AZ
$2,788
Difference
$499
more
Transportation
↑ 23.2%
Tarpon Springs, FL
$1,209
Phoenix, AZ
$1,489
Difference
$280
more
Healthcare
↑ 6.4%
Tarpon Springs, FL
$553
Phoenix, AZ
$589
Difference
$35.55
more
Groceries
↓ 2.6%
Tarpon Springs, FL
$989
Phoenix, AZ
$963
Difference
$25.63
less
Other
↓ 1.4%
Tarpon Springs, FL
$1,702
Phoenix, AZ
$1,677
Difference
$24.58
less
All Utilities
↑ 0.8%
Tarpon Springs, FL
$557
Phoenix, AZ
$561
Difference
$4.51
more

🏠Rent Comparison

Studio
From$1,072
To$1,390
↑ $318
1 Bed
From$1,136
To$1,510
↑ $374
2 Bed
From$1,328
To$1,750
↑ $422
3 Bed
From$1,696
To$2,330
↑ $634
Tarpon Springs, FLZIP-level data

1BR range: $1,420–$1,420/mo

Phoenix, AZZIP-level data

1BR range: $1,300–$2,380/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.

$7,299
Monthly in Tarpon Springs, FL
$8,068
Monthly in Phoenix, AZ
$769
Difference

Home Values

Tarpon Springs
Phoenix
$359K
Median Value
$414K
↓ -8.1%
YoY Change
↓ -3.1%
↑ +25.7%
5-Year Change
↑ +30.2%
$359K
Price Range
$274K - $957K

Homes in Phoenix are 15% more expensive than Tarpon Springs

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↓ $5.2K
More taxes
Monthly Difference
$436
Less take-home
Effective Rate Diff
3.5%
Rate difference

Tarpon Springs, FL

Federal Income Tax
Effective: 18.9%
$25.5K
Florida 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

Phoenix, 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

Additional Tax Information

Tarpon Springs, FL Tax Rates

Sales Tax:7.2%
Property Tax:0.8%

Phoenix, AZ Tax Rates

Sales Tax:8.5%
Property Tax:0.6%

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

Tarpon Springs
Phoenix
50 Good
Air Quality
77 Moderate
52.5%
Good Air Days
9%
99 High
Climate Risk
100 Very High
πŸŒŠπŸŒ…πŸŒ€
Top Hazards
πŸ”₯🌊🌑
β–²+2.2Β°F
2050 Outlook
β–²+2.7Β°F
38 days
Heat Days >95Β°F
162 days
β–²+2.2Β°F
2050 Outlook
β–²+2.7Β°F
38 days
Heat Days >95Β°F
162 days

What to Consider When Moving from Tarpon Springs, FL to Phoenix, AZ

Relocating from Tarpon Springs, FL to Phoenix, AZ involves more than just comparing rent prices. While the overall cost of living is roughly 6% higher in Phoenix, AZ, 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 Phoenix, AZ is 22% more expensive than in Tarpon Springs, FL. 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 Phoenix, AZ 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 Phoenix, AZ to match your current standard of living in Tarpon Springs, FL.

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 Phoenix, AZ for a week before making a final decision β€” experiencing the day-to-day rhythm matters more than any spreadsheet.

Frequently Asked Questions: Tarpon Springs, FL vs Phoenix, AZ

Is Phoenix, AZ cheaper than Tarpon Springs, FL?

Phoenix, AZ is approximately 6.4% more expensive than Tarpon Springs, FL overall. On a $150,000 salary, that translates to roughly $483/month in additional expenses. Housing is the biggest factor, costing 22% more in Phoenix, AZ.

What salary do I need in Phoenix, AZ to match my lifestyle in Tarpon Springs, FL?

If you currently earn $150,000 in Tarpon Springs, FL, you would need approximately $155,791 in Phoenix, AZ 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 Tarpon Springs, FL and Phoenix, AZ?

A two-bedroom apartment averages $1,328/month in Tarpon Springs, FL compared to $1,750/month in Phoenix, AZ. One-bedroom apartments are $1,136/month in Tarpon Springs, FL vs $1,510/month in Phoenix, AZ. 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 Tarpon Springs, FL or Phoenix, AZ?

Groceries are about 3% cheaper in Phoenix, AZ than in Tarpon Springs, FL, saving a typical household roughly $25.63/month on food.

What is the best time to move from Tarpon Springs, FL to Phoenix, AZ?

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 Florida and Arizona on TaxTakeHome.com

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