Is Phoenix, AZ cheaper than Winona, MN?

Based on cost of living data, Phoenix, AZ is 14.5% more expensive than Winona, MN. This translates to spending an extra $1088 per month.

What salary do I need in Phoenix, AZ to live like I do in Winona, MN?

If you earn $150,000 in Winona, MN, you'd need approximately $163,061.333 in Phoenix, AZ to maintain the same standard of living.

How does housing cost compare between Winona, MN and Phoenix, AZ?

Housing in Phoenix, AZ is 33.6% more expensive than in Winona, MN. For a two-bedroom apartment, rent is $1,750/month in Phoenix, AZ compared to $1,021/month in Winona, MN.

How much can I save per month by moving from Winona, MN to Phoenix, AZ?

Living in Phoenix, AZ costs approximately $1088 more per month than Winona, MN, or $13061 more per year, based on a $150,000 salary.

Winona, MN vs Phoenix, AZ: Cost of Living Comparison 2026

MoveNumbers

Tap to swap

Cost of Living Comparison 2026

📍 Winona, MN — COL adjusted from Saint Paul, MN area + state data

Current salary in Winona, MN

Numbers update automatically as you type

You'd spend $1.1K/month more in Phoenix, AZ

$150.0K in your current city equals $163.1K in Phoenix, AZ

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

Overall Cost

↑ 14.5%

More expensive

Monthly Impact

$1,088

Extra cost

Annual Impact

$13.1K

Per year

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

Winona, MN

Population:26K

Cost Index:100

Median Home:$274K

Phoenix, AZ

Population:1608K

Cost Index:115

Median Home:$414K

Winona, MN

The North Star State

26K

Population

State Tax

Yes

Located in Minnesota, this city has a population of 26K 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: Winona, MN vs Phoenix, AZ

Category	Winona, MN	Phoenix, AZ	Difference	Change
🏠Housing	$2,088/mo	$2,788/mo	↑ $701more	33.6%
🚗Transportation	$1,184/mo	$1,489/mo	↑ $305more	25.7%
📦Other	$1,480/mo	$1,677/mo	↑ $197more	13.3%
🏥Healthcare	$700/mo	$589/mo	↓ $112less	15.9%
⚡All Utilities	$471/mo	$561/mo	↑ $90.38more	19.2%
🛒Groceries	$954/mo	$963/mo	↑ $9.76more	1.0%

🏠Housing

↑ 33.6%

Winona, MN

$2,088

Phoenix, AZ

$2,788

Difference

$701

🚗Transportation

↑ 25.7%

Winona, MN

$1,184

Phoenix, AZ

$1,489

Difference

$305

📦Other

↑ 13.3%

Winona, MN

$1,480

Phoenix, AZ

$1,677

Difference

$197

🏥Healthcare

↓ 15.9%

Winona, MN

$700

Phoenix, AZ

$589

Difference

$112

less

⚡All Utilities

↑ 19.2%

Winona, MN

$471

Phoenix, AZ

$561

Difference

$90.38

🛒Groceries

↑ 1.0%

Winona, MN

$954

Phoenix, AZ

$963

Difference

$9.76

🏠Rent Comparison

Studio

From$693

To$1,390

↑ $697

1 Bed

From$839

To$1,510

↑ $671

2 Bed

From$1,021

To$1,750

↑ $729

3 Bed

From$1,459

To$2,330

↑ $871

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.

$6,876

Monthly in Winona, MN

$8,068

Monthly in Phoenix, AZ

$1,191

Difference

Home Values

Winona

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

Per year

Monthly Difference

$433

More take-home

Effective Rate Diff

3.5%

Rate difference

Winona, MN

Federal Income Tax

Effective: 18.9%

$25.5K

Minnesota State Tax

Effective: 7.0%

$10.4K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 31.6%

$47.4K

Take-Home Pay

$8,546/month

$102.6K

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

Winona, MN Tax Rates

Sales Tax:8.0%

Property Tax:1.1%

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.