Is Phoenix, AZ cheaper than Yuma, AZ?

Based on cost of living data, Phoenix, AZ is 2.9% cheaper than Yuma, AZ. This translates to saving $220 per month.

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

If you earn $150,000 in Yuma, AZ, you'd need approximately $147,358.448 in Phoenix, AZ to maintain the same standard of living.

How does housing cost compare between Yuma, AZ and Phoenix, AZ?

Housing in Phoenix, AZ is 19.7% cheaper than in Yuma, AZ. For a two-bedroom apartment, rent is $1,750/month in Phoenix, AZ compared to $948/month in Yuma, AZ.

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

Moving from Yuma, AZ to Phoenix, AZ could save you approximately $220 per month, or $2642 per year, based on a $150,000 salary.

Yuma, AZ vs Phoenix, AZ: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Yuma, AZ — ZIP-level rent data · COL adjusted from Chula Vista, CA area

Current salary in Yuma, AZ

Numbers update automatically as you type

You'd save $220/month moving to Phoenix, AZ

$150.0K in your current city equals $147.4K in Phoenix, AZ

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

Overall Cost

↓ 2.9%

Less expensive

Monthly Impact

$220

Savings

Annual Impact

$2.6K

Per year

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

Yuma, AZ

Population:101K

Cost Index:100

Median Home:$290K

Phoenix, AZ

Population:1608K

Cost Index:97

Median Home:$414K

Yuma, AZ

The Grand Canyon State

101K

Population

State Tax

Yes

Located in Arizona, this city has a population of 101K 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: Yuma, AZ vs Phoenix, AZ

Category	Yuma, AZ	Phoenix, AZ	Difference	Change
🏠Housing	$3,471/mo	$2,788/mo	↓ $683less	19.7%
🚗Transportation	$1,160/mo	$1,489/mo	↑ $329more	28.4%
📦Other	$1,397/mo	$1,677/mo	↑ $281more	20.1%
🏥Healthcare	$548/mo	$589/mo	↑ $40.25more	7.3%
🛒Groceries	$927/mo	$963/mo	↑ $35.97more	3.9%
⚡All Utilities	$545/mo	$561/mo	↑ $16.53more	3.0%

🏠Housing

↓ 19.7%

Yuma, AZ

$3,471

Phoenix, AZ

$2,788

Difference

$683

less

🚗Transportation

↑ 28.4%

Yuma, AZ

$1,160

Phoenix, AZ

$1,489

Difference

$329

📦Other

↑ 20.1%

Yuma, AZ

$1,397

Phoenix, AZ

$1,677

Difference

$281

🏥Healthcare

↑ 7.3%

Yuma, AZ

$548

Phoenix, AZ

$589

Difference

$40.25

🛒Groceries

↑ 3.9%

Yuma, AZ

$927

Phoenix, AZ

$963

Difference

$35.97

⚡All Utilities

↑ 3.0%

Yuma, AZ

$545

Phoenix, AZ

$561

Difference

$16.53

🏠Rent Comparison

Studio

From$719

To$1,390

↑ $671

1 Bed

From$722

To$1,510

↑ $788

2 Bed

From$948

To$1,750

↑ $802

3 Bed

From$1,296

To$2,330

↑ $1,034

Yuma, AZZIP-level data

1BR range: $1,080–$1,220/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.

$8,048

Monthly in Yuma, AZ

$8,068

Monthly in Phoenix, AZ

$19.96

Difference

Home Values

Yuma

Phoenix

$290K

Median Value

$414K

↑ +0.9%

YoY Change

↓ -3.1%

↑ +46.2%

5-Year Change

↑ +30.2%

$261K - $319K

Price Range

$274K - $957K

Homes in Phoenix are 43% more expensive than Yuma

Calculate payment - Yuma Calculate payment - Phoenix

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

→ $0

Same taxes

Monthly Difference

Same take-home

Effective Rate Diff

0.0%

Rate difference

Yuma, 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

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

Yuma, AZ Tax Rates

Sales Tax:8.5%

Property Tax:0.6%

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.