MN
MoveNumbers
MoveNumbers
Tap to swap

Cost of Living Comparison 2026

📍 Troy, OH — ZIP-level rent data · COL adjusted from Cincinnati, OH area

$

Numbers update automatically as you type

You'd spend $1.2K/month more in Phoenix, AZ

$150.0K in your current city equals $165.0K in Phoenix, AZ

Rent data from HUD ZIP-level estimates · COL index from Dayton-Kettering, OH area
Overall Cost
↑ 16.6%
More expensive
Monthly Impact
$1,248
Extra cost
Annual Impact
$15.0K
Per year

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

Troy, OH

Population:27K
Cost Index:100
Median Home:$274K

Phoenix, AZ

Population:1608K
Cost Index:117
Median Home:$414K

Troy, OH

The Buckeye State

27K
Population
State Tax
Yes

Located in Ohio, this city has a population of 27K 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, OH vs Phoenix, AZ

🏠Housing
↑ 49.9%
Troy, OH
$1,860
Phoenix, AZ
$2,788
Difference
$928
more
🚗Transportation
↑ 23.2%
Troy, OH
$1,209
Phoenix, AZ
$1,489
Difference
$280
more
⚡All Utilities
↑ 21.2%
Troy, OH
$463
Phoenix, AZ
$561
Difference
$98.09
more
📦Other
↑ 5.0%
Troy, OH
$1,598
Phoenix, AZ
$1,677
Difference
$79.82
more
🛒Groceries
↑ 5.1%
Troy, OH
$917
Phoenix, AZ
$963
Difference
$46.69
more
🏥Healthcare
↑ 4.7%
Troy, OH
$562
Phoenix, AZ
$589
Difference
$26.45
more

🏠Rent Comparison

Studio
From$735
To$1,390
↑ $655
1 Bed
From$794
To$1,510
↑ $716
2 Bed
From$1,006
To$1,750
↑ $744
3 Bed
From$1,301
To$2,330
↑ $1,029
Troy, OHZIP-level data

1BR range: $940–$940/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.

$6,608
Monthly in Troy, OH
$8,068
Monthly in Phoenix, AZ
$1,460
Difference

Home Values

Troy
Phoenix
$274K
Median Value
$414K
↑ +4.4%
YoY Change
↓ -3.1%
↑ +40.9%
5-Year Change
↑ +30.2%
$274K
Price Range
$274K - $957K

Homes in Phoenix are 51% more 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
↓ $806
More taxes
Monthly Difference
$67.13
Less take-home
Effective Rate Diff
0.5%
Rate difference

Troy, OH

Federal Income Tax
Effective: 18.9%
$25.5K
Ohio State Tax
Effective: 3.0%
$4.4K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 27.6%
$41.4K
Take-Home Pay
$9,047/month
$108.6K

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, OH Tax Rates

Sales Tax:7.2%
Property Tax:1.6%

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
52 Moderate
Air Quality
77 Moderate
44.8%
Good Air Days
9%
96 High
Climate Risk
100 Very High
🌊🌡🌪
Top Hazards
🔥🌊🌡
▲+3.1°F
2050 Outlook
▲+2.7°F
29 days
Heat Days >95°F
162 days
▲+3.1°F
2050 Outlook
▲+2.7°F
29 days
Heat Days >95°F
162 days

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

Where your money goes further

Cities cheaper than Troy, OH on a $150.0K salary

1.Indianapolis, IN
Save $125/mo
2.St. Louis, MO
Save $125/mo

Similar cost to Phoenix, AZ

Other cities in a similar price range

Denver, CORaleigh, NCCharlotte, NC

Want to compare different cities?

New Comparison