Loading Legacy
Phoenix (Phoenix metro) has a cost of living 2% below the US average. Combined with AZ's state income tax, your real purchasing power can be very different from your gross salary.
98
Cost of Living Index
US avg = 100
$1,500
Avg 1BR Rent
per month
2.5%
State Income Tax
top rate
-2%
vs US Average
cost of living
| Salary | Monthly Take-Home | Rent % of Income | Equivalent US Salary |
|---|---|---|---|
| $40,000 | $2,760/mo | 54% | $40,816 |
| $50,000 | $3,409/mo | 44% | $51,020 |
| $60,000 | $4,058/mo | 37% | $61,224 |
| $70,000 | $4,638/mo | 32% | $71,429 |
| $80,000 | $5,203/mo | 29% | $81,633 |
| $90,000 | $5,769/mo | 26% | $91,837 |
| $100,000 | $6,334/mo | 24% | $102,041 |
| $120,000 | $7,457/mo | 20% | $122,449 |
| $150,000 | $9,103/mo | 16% | $153,061 |
| $200,000 | $12,009/mo | 12% | $204,082 |
* Take-home estimates federal + state taxes (single filer, standard deduction). "Equivalent US Salary" = what Phoenix salary buys nationally.
Is $80,000 a good salary in Phoenix?
In Phoenix (cost of living index: 98, US avg=100), $80,000/year has the purchasing power of $81,633 in an average US city. Your monthly take-home after federal + state taxes is approximately $5,203. The average 1-bedroom in Phoenix costs around $1,500/month — that's 29% of your take-home pay.
What is the cost of living in Phoenix?
Phoenix's cost of living index is 98 compared to the US average of 100. This means living in Phoenix is 2% cheaper than the US average. AZ also has a state income tax of up to 2.5%.
What salary do you need to live comfortably in Phoenix?
Using the 30% rent rule, your gross salary should be at least $78,000 to afford the average 1-bedroom in Phoenix ($1,500/month) with some comfort. A household income of $78,400 or more is generally considered comfortable in Phoenix.
Does Phoenix have a state income tax?
Yes — AZ has a state income tax. For most earners, the effective state rate is around 2.5%. This reduces your take-home pay compared to no-income-tax states like Texas, Florida, or Nevada.
Enter your salary and see purchasing power in 25 US cities, adjusted for cost of living and state taxes.
Open Salary Comparison Calculator