Is Phoenix, AZ cheaper than Tyler, TX?

Based on cost of living data, Phoenix, AZ is 9.7% more expensive than Tyler, TX. This translates to spending an extra $731 per month.

What salary do I need in Phoenix, AZ to live like I do in Tyler, TX?

If you earn $150,000 in Tyler, TX, you'd need approximately $158,774.076 in Phoenix, AZ to maintain the same standard of living.

How does housing cost compare between Tyler, TX and Phoenix, AZ?

Housing in Phoenix, AZ is 39.8% more expensive than in Tyler, TX. For a two-bedroom apartment, rent is $1,750/month in Phoenix, AZ compared to $1,162/month in Tyler, TX.

How much can I save per month by moving from Tyler, TX to Phoenix, AZ?

Living in Phoenix, AZ costs approximately $731 more per month than Tyler, TX, or $8774 more per year, based on a $150,000 salary.

Tyler, TX vs Phoenix, AZ: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Tyler, TX — ZIP-level rent data · COL adjusted from Garland, TX area

Current salary in Tyler, TX

Numbers update automatically as you type

You'd spend $731/month more in Phoenix, AZ

$150.0K in your current city equals $158.8K in Phoenix, AZ

Rent data from HUD ZIP-level estimates · COL index from area

Overall Cost

↑ 9.7%

More expensive

Monthly Impact

$731

Extra cost

Annual Impact

$8.8K

Per year

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

Tyler, TX

Population:110K

Cost Index:100

Median Home:$243K

Phoenix, AZ

Population:1608K

Cost Index:110

Median Home:$414K

Tyler, TX

The Lone Star State

110K

Population

State Tax

No Income Tax

Located in Texas, this city has a population of 110K residents.

💡 Advantage: Texas 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: Tyler, TX vs Phoenix, AZ

Category	Tyler, TX	Phoenix, AZ	Difference	Change
🏠Housing	$1,995/mo	$2,788/mo	↑ $793more	39.8%
🚗Transportation	$1,258/mo	$1,489/mo	↑ $231more	18.4%
📦Other	$1,607/mo	$1,677/mo	↑ $70.78more	4.4%
🏥Healthcare	$622/mo	$589/mo	↓ $33.63less	5.4%
⚡All Utilities	$554/mo	$561/mo	↑ $7.04more	1.3%
🛒Groceries	$964/mo	$963/mo	↓ $0.89less	0.1%

🏠Housing

↑ 39.8%

Tyler, TX

$1,995

Phoenix, AZ

$2,788

Difference

$793

🚗Transportation

↑ 18.4%

Tyler, TX

$1,258

Phoenix, AZ

$1,489

Difference

$231

📦Other

↑ 4.4%

Tyler, TX

$1,607

Phoenix, AZ

$1,677

Difference

$70.78

🏥Healthcare

↓ 5.4%

Tyler, TX

$622

Phoenix, AZ

$589

Difference

$33.63

less

⚡All Utilities

↑ 1.3%

Tyler, TX

$554

Phoenix, AZ

$561

Difference

$7.04

🛒Groceries

↓ 0.1%

Tyler, TX

$964

Phoenix, AZ

$963

Difference

$0.89

less

🏠Rent Comparison

Studio

From$857

To$1,390

↑ $533

1 Bed

From$948

To$1,510

↑ $562

2 Bed

From$1,162

To$1,750

↑ $588

3 Bed

From$1,557

To$2,330

↑ $773

Tyler, TXZIP-level data

1BR range: $980–$1,550/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.

$7,000

Monthly in Tyler, TX

$8,068

Monthly in Phoenix, AZ

$1,067

Difference

Home Values

Tyler

Phoenix

$243K

Median Value

$414K

↓ -1.2%

YoY Change

↓ -3.1%

↑ +33.8%

5-Year Change

↑ +30.2%

$125K - $344K

Price Range

$274K - $957K

Homes in Phoenix are 70% more expensive than Tyler

Calculate payment - Tyler 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

Tyler, 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

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

Tyler, TX Tax Rates

Sales Tax:8.2%

Property Tax:1.8%

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.