Is Garland, TX cheaper than Tempe, AZ?

Based on cost of living data, Garland, TX is 4.7% cheaper than Tempe, AZ. This translates to saving $354 per month.

What salary do I need in Garland, TX to live like I do in Tempe, AZ?

If you earn $150,000 in Tempe, AZ, you'd need approximately $145,754.717 in Garland, TX to maintain the same standard of living.

How does housing cost compare between Tempe, AZ and Garland, TX?

Housing in Garland, TX is 16.4% cheaper than in Tempe, AZ. For a two-bedroom apartment, rent is $1,880/month in Garland, TX compared to $2,045/month in Tempe, AZ.

How much can I save per month by moving from Tempe, AZ to Garland, TX?

Moving from Tempe, AZ to Garland, TX could save you approximately $354 per month, or $4245 per year, based on a $150,000 salary.

Tempe, AZ vs Garland, 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 Tempe, AZ

Numbers update automatically as you type

You'd save $354/month moving to Garland, TX

$150.0K in your current city equals $145.8K in Garland, TX

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

Overall Cost

↓ 4.7%

Less expensive

Monthly Impact

$354

Savings

Annual Impact

$4.2K

Per year

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

Tempe, AZ

Population:190K

Cost Index:

100

100 = national average

Median Home:$452K

Garland, TX

Population:246K

Cost Index:

(5% below avg)

Median Home:$273K

Tempe, AZ

The Grand Canyon State

190K

Population

State Tax

Yes

Located in Arizona, this city has a population of 190K residents.

Garland, TX

The Lone Star State

246K

Population

State Tax

No Income Tax

Located in Texas, this city has a population of 246K residents.

💡 Advantage: Texas has no state income tax!

Cost Breakdown by Category

Annual spending: Tempe, AZ vs Garland, TX

Category	Tempe, AZ	Garland, TX	Difference	Change
Housing	$2,859/mo	$2,391/mo	↓ $468less	16.4%
Transportation	$1,489/mo	$1,298/mo	↓ $191less	12.8%
Healthcare	$589/mo	$632/mo	↑ $43.37more	7.4%
Groceries	$959/mo	$979/mo	↑ $19.99more	2.1%
All Utilities	$546/mo	$563/mo	↑ $16.39more	3.0%
Other	$1,774/mo	$1,774/mo	→ $0	0.0%

Housing

↓ 16.4%

Tempe, AZ

$2,859

Garland, TX

$2,391

Difference

$468

less

Transportation

↓ 12.8%

Tempe, AZ

$1,489

Garland, TX

$1,298

Difference

$191

less

Healthcare

↑ 7.4%

Tempe, AZ

$589

Garland, TX

$632

Difference

$43.37

Groceries

↑ 2.1%

Tempe, AZ

$959

Garland, TX

$979

Difference

$19.99

All Utilities

↑ 3.0%

Tempe, AZ

$546

Garland, TX

$563

Difference

$16.39

Other

→ 0.0%

Tempe, AZ

$1,774

Garland, TX

$1,774

Difference

same

🏠Rent Comparison

Studio

From$1,620

To$1,540

↓ $80.00

1 Bed

From$1,760

To$1,600

↓ $160

2 Bed

From$2,045

To$1,880

↓ $165

3 Bed

From$2,725

To$2,370

↓ $355

Tempe, AZZIP-level data

1BR range: $1,730–$2,200/mo

Garland, TXZIP-level data

1BR range: $1,410–$1,820/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.

$8,216

Monthly in Tempe, AZ

$7,637

Monthly in Garland, TX

$579

Difference

Home Values

Tempe

Garland

$452K

Median Value

$273K

↓ -2.9%

YoY Change

↓ -5.7%

↑ +27.9%

5-Year Change

↑ +25.8%

$397K - $701K

Price Range

$240K - $330K

Homes in Garland are 40% less expensive than Tempe

Calculate payment - Tempe Calculate payment - Garland

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

Tempe, 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

Garland, 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

Tempe, AZ Tax Rates

Sales Tax:8.5%

Property Tax:0.6%

Garland, 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.