Is Phoenix, AZ cheaper than Windsor, CO?

Based on cost of living data, Phoenix, AZ is 3.2% more expensive than Windsor, CO. This translates to spending an extra $239 per month.

What salary do I need in Phoenix, AZ to live like I do in Windsor, CO?

If you earn $150,000 in Windsor, CO, you'd need approximately $152,873.614 in Phoenix, AZ to maintain the same standard of living.

How does housing cost compare between Windsor, CO and Phoenix, AZ?

Housing in Phoenix, AZ is 4.9% more expensive than in Windsor, CO. For a two-bedroom apartment, rent is $1,750/month in Phoenix, AZ compared to $1,437/month in Windsor, CO.

How much can I save per month by moving from Windsor, CO to Phoenix, AZ?

Living in Phoenix, AZ costs approximately $239 more per month than Windsor, CO, or $2874 more per year, based on a $150,000 salary.

Windsor, CO vs Phoenix, AZ: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Windsor, CO — ZIP-level rent data · COL adjusted from Denver, CO area

Current salary in Windsor, CO

Numbers update automatically as you type

You'd spend $239/month more in Phoenix, AZ

$150.0K in your current city equals $152.9K in Phoenix, AZ

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

Overall Cost

↑ 3.2%

More expensive

Monthly Impact

$239

Extra cost

Annual Impact

$2.9K

Per year

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

Windsor, CO

Population:40K

Cost Index:100

Median Home:$542K

Phoenix, AZ

Population:1608K

Cost Index:103

Median Home:$414K

Windsor, CO

The Centennial State

40K

Population

State Tax

Yes

Located in Colorado, this city has a population of 40K 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: Windsor, CO vs Phoenix, AZ

Category	Windsor, CO	Phoenix, AZ	Difference	Change
🚗Transportation	$1,329/mo	$1,489/mo	↑ $160more	12.0%
🏠Housing	$2,658/mo	$2,788/mo	↑ $130more	4.9%
⚡All Utilities	$495/mo	$561/mo	↑ $66.21more	13.4%
📦Other	$1,613/mo	$1,677/mo	↑ $64.11more	4.0%
🛒Groceries	$981/mo	$963/mo	↓ $18.09less	1.8%
🏥Healthcare	$603/mo	$589/mo	↓ $13.98less	2.3%

🚗Transportation

↑ 12.0%

Windsor, CO

$1,329

Phoenix, AZ

$1,489

Difference

$160

🏠Housing

↑ 4.9%

Windsor, CO

$2,658

Phoenix, AZ

$2,788

Difference

$130

⚡All Utilities

↑ 13.4%

Windsor, CO

$495

Phoenix, AZ

$561

Difference

$66.21

📦Other

↑ 4.0%

Windsor, CO

$1,613

Phoenix, AZ

$1,677

Difference

$64.11

🛒Groceries

↓ 1.8%

Windsor, CO

$981

Phoenix, AZ

$963

Difference

$18.09

less

🏥Healthcare

↓ 2.3%

Windsor, CO

$603

Phoenix, AZ

$589

Difference

$13.98

less

🏠Rent Comparison

Studio

From$1,105

To$1,390

↑ $285

1 Bed

From$1,159

To$1,510

↑ $351

2 Bed

From$1,437

To$1,750

↑ $313

3 Bed

From$1,994

To$2,330

↑ $336

Windsor, COZIP-level data

1BR range: $1,500–$1,500/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.

$7,679

Monthly in Windsor, CO

$8,068

Monthly in Phoenix, AZ

$389

Difference

Home Values

Windsor

Phoenix

$542K

Median Value

$414K

↓ -2.4%

YoY Change

↓ -3.1%

↑ +21.3%

5-Year Change

↑ +30.2%

$542K

Price Range

$274K - $957K

Homes in Phoenix are 24% less expensive than Windsor

Calculate payment - Windsor Calculate payment - Phoenix

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $1.4K

Per year

Monthly Difference

$114

More take-home

Effective Rate Diff

0.9%

Rate difference

Windsor, CO

Federal Income Tax

Effective: 18.9%

$25.5K

Colorado State Tax

Effective: 4.4%

$6.6K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 29.1%

$43.6K

Take-Home Pay

$8,866/month

$106.4K

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

Windsor, CO Tax Rates

Sales Tax:7.8%

Property Tax:0.5%

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.