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Cost of Living Comparison 2026

📍 Troy, MI — ZIP-level rent data · COL adjusted from Detroit, MI area

$

Numbers update automatically as you type

You'd spend $1.7K/month more in Phoenix, AZ

$150.0K in your current city equals $170.3K in Phoenix, AZ

Rent data from HUD ZIP-level estimates · COL index from Detroit-Warren-Dearborn, MI area
Overall Cost
↑ 22.6%
More expensive
Monthly Impact
$1,693
Extra cost
Annual Impact
$20.3K
Per year

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

Troy, MI

Population:87K
Cost Index:100
Median Home:$465K

Phoenix, AZ

Population:1608K
Cost Index:123
Median Home:$414K

Troy, MI

The Great Lakes State

87K
Population
State Tax
Yes

Located in Michigan, this city has a population of 87K residents.

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: Troy, MI vs Phoenix, AZ

🏠Housing
↑ 107.7%
Troy, MI
$1,343
Phoenix, AZ
$2,788
Difference
$1,446
more
📦Other
↑ 4.7%
Troy, MI
$1,602
Phoenix, AZ
$1,677
Difference
$75.70
more
🏥Healthcare
↑ 6.7%
Troy, MI
$551
Phoenix, AZ
$589
Difference
$37.10
more
🛒Groceries
↑ 3.7%
Troy, MI
$929
Phoenix, AZ
$963
Difference
$34.73
more
⚡All Utilities
↑ 2.9%
Troy, MI
$545
Phoenix, AZ
$561
Difference
$16.00
more
🚗Transportation
↓ 0.9%
Troy, MI
$1,503
Phoenix, AZ
$1,489
Difference
$14.07
less

🏠Rent Comparison

Studio
From$1,130
To$1,390
↑ $260
1 Bed
From$1,252
To$1,510
↑ $258
2 Bed
From$1,578
To$1,750
↑ $172
3 Bed
From$1,927
To$2,330
↑ $403
Troy, MIZIP-level data

1BR range: $1,390–$1,590/mo

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.

$6,473
Monthly in Troy, MI
$8,068
Monthly in Phoenix, AZ
$1,595
Difference

Home Values

Troy
Phoenix
$465K
Median Value
$414K
↑ +2.8%
YoY Change
↓ -3.1%
↑ +34%
5-Year Change
↑ +30.2%
$345K - $557K
Price Range
$274K - $957K

Homes in Phoenix are 11% less expensive than Troy

Calculate payment - TroyCalculate payment - Phoenix

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↑ $1.1K
Per year
Monthly Difference
$95.18
More take-home
Effective Rate Diff
0.8%
Rate difference

Troy, MI

Federal Income Tax
Effective: 18.9%
$25.5K
Michigan State Tax
Effective: 4.3%
$6.4K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 28.9%
$43.4K
Take-Home Pay
$8,884/month
$106.6K

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

Troy, MI Tax Rates

Sales Tax:6.0%
Property Tax:1.4%

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.

Environment

Troy
Phoenix
55 Moderate
Air Quality
77 Moderate
32.8%
Good Air Days
9%
99 High
Climate Risk
100 Very High
🌊🌡🌪
Top Hazards
🔥🌊🌡
▲+3.1°F
2050 Outlook
▲+2.7°F
10 days
Heat Days >95°F
162 days
▲+3.1°F
2050 Outlook
▲+2.7°F
10 days
Heat Days >95°F
162 days

💰 See how taxes change too — compare take-home pay between Michigan and Arizona on TaxTakeHome.com

Similar cost to Phoenix, AZ

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