Cost of Living: Irving, TX vs Surprise, AZ (2026)

Irving

Texas
102
VS

Surprise

Arizona
126

Irving is 19% cheaper than Surprise.

$1,517/mo ↓ 21%
Median Rent
$1,917/mo ↑ 26%
$79,641/yr ↓ 15%
Median Income
$93,371/yr ↑ 17%
$287,300 ↓ 27%
Home Value
$396,000 ↑ 38%
$1,521/mo ↓ 4%
Owner Costs
$1,587/mo ↑ 4%
255,036
Population
149,519

Tax Comparison

0%
Income Tax
2.5%
6.25%
State Sales Tax
5.6%
1.6%
Property Tax
0.62%

Affordability

22.9%
rent-to-income
Affordability
24.6%
rent-to-income

Detailed Comparison

When comparing Irving, TX and Surprise, AZ, the overall cost of living indices are 102 and 126 respectively (national median = 100). Rent is $400/month cheaper in Irving, saving renters about $4,800/year.

Median household income is $13,730/year higher in Surprise. Home values also differ significantly — the median in Irving is $287,300 compared to $396,000 in Surprise.

Texas has no state income tax, giving Irving residents a significant tax advantage over Arizona's 2.5% rate.

Frequently Asked Questions

Irving vs Surprise — common questions

Is Irving or Surprise cheaper to live in?
Based on our cost index, Irving is cheaper to live in with an index of 102 compared to 126 (US average = 100).
What is the rent difference between Irving and Surprise?
Median rent in Irving is $1,517/month and in Surprise it's $1,917/month — a difference of $400/month.
Which city has higher income, Irving or Surprise?
Median household income is $79,641 in Irving and $93,371 in Surprise. Median household income is $13,730/year higher in Surprise.
How do taxes compare between Texas and Arizona?
Texas has 0% income tax, 6.25% sales tax, and 1.6% property tax. Arizona has 2.5% income tax, 5.6% sales tax, and 0.62% property tax.
Should I move to Irving or Surprise?
It depends on your priorities. Irving has a cost index of 102 with median rent of $1,517/mo, while Surprise has a cost index of 126 with rent of $1,917/mo. Consider income potential, tax burden, and lifestyle preferences alongside raw cost data.
View Irving details → View Surprise details →

More Comparisons

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