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

Phoenix

Arizona
109
VS

Irving

Texas
102

Phoenix is 7% more expensive than Irving.

$1,458/mo ↓ 4%
Median Rent
$1,517/mo ↑ 4%
$77,041/yr ↓ 3%
Median Income
$79,641/yr ↑ 3%
$381,900 ↑ 33%
Home Value
$287,300 ↓ 25%
$1,430/mo ↓ 6%
Owner Costs
$1,521/mo ↑ 6%
1,624,832
Population
255,036

Tax Comparison

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

Affordability

22.7%
rent-to-income
Affordability
22.9%
rent-to-income

Detailed Comparison

When comparing Phoenix, AZ and Irving, TX, the overall cost of living indices are 109 and 102 respectively (national median = 100). Rent is $59/month cheaper in Phoenix, saving renters about $708/year.

Median household income is $2,600/year higher in Irving. Home values also differ significantly — the median in Phoenix is $381,900 compared to $287,300 in Irving.

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

Frequently Asked Questions

Phoenix vs Irving — common questions

Is Phoenix or Irving cheaper to live in?
Based on our cost index, Irving is cheaper to live in with an index of 102 compared to 109 (US average = 100).
What is the rent difference between Phoenix and Irving?
Median rent in Phoenix is $1,458/month and in Irving it's $1,517/month — a difference of $59/month.
Which city has higher income, Phoenix or Irving?
Median household income is $77,041 in Phoenix and $79,641 in Irving. Median household income is $2,600/year higher in Irving.
How do taxes compare between Arizona and Texas?
Arizona has 2.5% income tax, 5.6% sales tax, and 0.62% property tax. Texas has 0% income tax, 6.25% sales tax, and 1.6% property tax.
Should I move to Phoenix or Irving?
It depends on your priorities. Phoenix has a cost index of 109 with median rent of $1,458/mo, while Irving has a cost index of 102 with rent of $1,517/mo. Consider income potential, tax burden, and lifestyle preferences alongside raw cost data.
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