Is it cheaper to live in Cleveland or Phoenix?

Cleveland, OH is cheaper. Its monthly baseline of $940 (1BR rent + utilities) runs about 34% below Phoenix, AZ's $1,430, mainly because of rent.

How much more do you need to earn to live in Cleveland than in Phoenix?

To keep rent near the recommended 30% of gross income, you'd want to earn roughly $29,000 a year in Cleveland versus $50,000 in Phoenix.

Which has lower taxes, Cleveland or Phoenix?

Cleveland is taxed under Ohio's rules (a top state income tax rate of 2.75% and a 5.75% state sales tax); Phoenix under Arizona's (a top state income tax rate of 2.50% and a 5.6% state sales tax).

Cleveland vs Phoenix Cost of Living 2026

Cleveland

Ohio

$940/mo est.

Phoenix

Arizona

$1,430/mo est.

Monthly estimate = 1BR rent + electricity + gas

A one-person monthly baseline (1BR rent plus typical utilities) runs $940 in Cleveland, OH versus $1,430 in Phoenix, AZ. Overall, Cleveland, OH is roughly 34% cheaper to live in day-to-day than Phoenix, AZ, driven mainly by rent.

Median household income is $39,187 in Cleveland, OH and $77,041 in Phoenix, AZ — about 49% higher in Phoenix, AZ. Ohio has a top state income tax rate of 2.75% and a 5.75% state sales tax; Arizona has a top state income tax rate of 2.50% and a 5.6% state sales tax.

Cleveland, OH

Phoenix, AZ

Rent

Studio

$678

$1,127

+66% in Phoenix, AZ

1 Bedroom

$732

$1,253

+71% in Phoenix, AZ

2 Bedroom

$903

$1,493

+65% in Phoenix, AZ

3 Bedroom

$1,081

$1,771

+64% in Phoenix, AZ

Buying a Home

Median Home Value

$94,100

$381,900

+306% in Phoenix, AZ

Income

Median Household Income

$39,187

$77,041

+97% in Phoenix, AZ

Metro Median Wage (annual)

$50,140

$51,380

+2% in Phoenix, AZ

People & Lifestyle

Median Age

36.3 yr

34.8 yr

+1.5 yr in Cleveland, OH

Homeownership

41.2%

57.1%

+15.9 pp in Phoenix, AZ

Bachelor's+ (25+)

21.3%

32.3%

+11.0 pp in Phoenix, AZ

Avg Commute

22.9 min

25.7 min

+2.8 min in Phoenix, AZ

Crime (per 100k/yr)

Violent Crime

1,582

799.6

+49% in Cleveland, OH

Property Crime

4,531.3

2,338.9

+48% in Cleveland, OH

FBI Crime Data Explorer. Offenses per 100,000 residents per year; agency reporting practices vary, so this is approximate.

Climate

Avg Annual Temperature

52.7°F

75.1°F

+22.4°F in Phoenix, AZ

Annual Precipitation

36.4 in

8.2 in

+28.2 in in Cleveland, OH

Gas

Regular Gasoline

$4.18/gal

$5.09/gal

+22% in Phoenix, AZ

Area: Ohio vs West Coast (PADD 5).

Public Transit

Base Fare (one-way)

—

$2.00

Adult base one-way fare — — vs Valley Metro (2026).

Utilities

Electricity (¢/kWh)

19.5

15.2

+22% in Cleveland, OH

Natural Gas ($/MCF)

$22.83

$22.44

+2% in Cleveland, OH

Residential, state-level averages (EIA). MCF = 1,000 cubic feet.

Groceries

Milk (gal)

$4.31

$4.82

+12% in Phoenix, AZ

Bread (lb)

$1.66

$2.04

+23% in Phoenix, AZ

Eggs (doz)

$3.63

$2.19

+40% in Cleveland, OH

Ground Beef (lb)

$6.77

$7.36

+9% in Phoenix, AZ

Chicken (lb)

$2.10

$2.01

+4% in Cleveland, OH

Bananas (lb)

$0.62

$0.70

+14% in Phoenix, AZ

Average prices — Midwest vs West (BLS). Regional where available, otherwise U.S. average.

State Taxes

Sales Tax (OH / AZ)

5.75%

5.6%

+0.2 pp in OH

Income Tax (top rate)

2.75%

2.50%

+0.3 pp in OH

Cleveland vs Phoenix — FAQ

Is it cheaper to live in Cleveland or Phoenix?: Cleveland, OH is cheaper. Its monthly baseline of $940 (1BR rent + utilities) runs about 34% below Phoenix, AZ's $1,430, mainly because of rent.
How much more do you need to earn to live in Cleveland than in Phoenix?: To keep rent near the recommended 30% of gross income, you'd want to earn roughly $29,000 a year in Cleveland versus $50,000 in Phoenix.
Which has lower taxes, Cleveland or Phoenix?: Cleveland is taxed under Ohio's rules (a top state income tax rate of 2.75% and a 5.75% state sales tax); Phoenix under Arizona's (a top state income tax rate of 2.50% and a 5.6% state sales tax).

Sources: US Census Bureau, ACS 5-Year (rent, income, home value, demographics); NOAA Climate Normals 1981–2010 (climate); EIA weekly retail (gas); Tax Foundation 2026 (state taxes).