Is Phoenix, AZ cheaper than Temple Terrace, FL?

Based on cost of living data, Phoenix, AZ is 6.3% more expensive than Temple Terrace, FL. This translates to spending an extra $475 per month.

What salary do I need in Phoenix, AZ to live like I do in Temple Terrace, FL?

If you earn $150,000 in Temple Terrace, FL, you'd need approximately $155,698.988 in Phoenix, AZ to maintain the same standard of living.

How does housing cost compare between Temple Terrace, FL and Phoenix, AZ?

Housing in Phoenix, AZ is 21.7% more expensive than in Temple Terrace, FL. For a two-bedroom apartment, rent is $1,750/month in Phoenix, AZ compared to $1,281/month in Temple Terrace, FL.

How much can I save per month by moving from Temple Terrace, FL to Phoenix, AZ?

Living in Phoenix, AZ costs approximately $475 more per month than Temple Terrace, FL, or $5699 more per year, based on a $150,000 salary.

Temple Terrace, FL vs Phoenix, AZ: Cost of Living Comparison 2026

MoveNumbers

Tap to swap

Cost of Living Comparison 2026

📍 Temple Terrace, FL — COL adjusted from Tampa, FL area + state data

Current salary in Temple Terrace, FL

Numbers update automatically as you type

You'd spend $475/month more in Phoenix, AZ

$150.0K in your current city equals $155.7K in Phoenix, AZ

Rent data from HUD ZIP-level estimates · COL index from Tampa-St. Petersburg-Clearwater, FL area

Overall Cost

↑ 6.3%

More expensive

Monthly Impact

$475

Extra cost

Annual Impact

$5.7K

Per year

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

Temple Terrace, FL

Population:27K

Cost Index:100

Median Home:$367K

Phoenix, AZ

Population:1608K

Cost Index:106

Median Home:$414K

Temple Terrace, FL

The Sunshine State

27K

Population

State Tax

No Income Tax

Located in Florida, this city has a population of 27K residents.

💡 Advantage: Florida has no state income tax!

Phoenix, AZ

The Grand Canyon State

1.6M

Population

State Tax

Yes

Climate

Hot desert

Notable Facts

•Fastest growing major city
•Desert metropolis
•Spring training capital

Major Industries

TechnologyHealthcareTourismManufacturing

Cost Breakdown by Category

Annual spending: Temple Terrace, FL vs Phoenix, AZ

Category	Temple Terrace, FL	Phoenix, AZ	Difference	Change
🏠Housing	$2,292/mo	$2,788/mo	↑ $496more	21.7%
🚗Transportation	$1,210/mo	$1,489/mo	↑ $279more	23.1%
🏥Healthcare	$553/mo	$589/mo	↑ $35.28more	6.4%
📦Other	$1,704/mo	$1,677/mo	↓ $26.21less	1.5%
🛒Groceries	$989/mo	$963/mo	↓ $26.10less	2.6%
⚡All Utilities	$557/mo	$561/mo	↑ $4.24more	0.8%

🏠Housing

↑ 21.7%

Temple Terrace, FL

$2,292

Phoenix, AZ

$2,788

Difference

$496

🚗Transportation

↑ 23.1%

Temple Terrace, FL

$1,210

Phoenix, AZ

$1,489

Difference

$279

🏥Healthcare

↑ 6.4%

Temple Terrace, FL

$553

Phoenix, AZ

$589

Difference

$35.28

📦Other

↓ 1.5%

Temple Terrace, FL

$1,704

Phoenix, AZ

$1,677

Difference

$26.21

less

🛒Groceries

↓ 2.6%

Temple Terrace, FL

$989

Phoenix, AZ

$963

Difference

$26.10

less

⚡All Utilities

↑ 0.8%

Temple Terrace, FL

$557

Phoenix, AZ

$561

Difference

$4.24

🏠Rent Comparison

Studio

From$881

To$1,390

↑ $509

1 Bed

From$1,041

To$1,510

↑ $469

2 Bed

From$1,281

To$1,750

↑ $469

3 Bed

From$1,762

To$2,330

↑ $568

Phoenix, AZZIP-level data

1BR range: $1,300–$2,380/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.

$7,305

Monthly in Temple Terrace, FL

$8,068

Monthly in Phoenix, AZ

$763

Difference

Home Values

Temple Terrace

Phoenix

Median Value

$414K

YoY Change

↓ -3.1%

5-Year Change

↑ +30.2%

Price Range

$274K - $957K

Calculate payment - Phoenix

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

Temple Terrace, FL

Federal Income Tax

Effective: 18.9%

$25.5K

Florida 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

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

Temple Terrace, FL Tax Rates

Sales Tax:7.2%

Property Tax:0.8%

Phoenix, AZ Tax Rates

Sales Tax:8.5%

Property Tax:0.6%

💡 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.