Irving vs Phoenix
Cost of Living (2026)

Irving is 3% less expensive than Phoenix. Plus, Texas has no state income tax vs Arizona's 2.5%.

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At a glance

Irving, TX

COL index97 ✓
State income taxNone ✓
Avg 1BR rent$1,350/mo ✓
Median home price$360K ✓
VS

Phoenix, AZ

COL index100
State income tax2.5%
Avg 1BR rent$1,450/mo
Median home price$395K

Cost breakdown by category

CategoryIrving indexPhoenix indexDifference
Housing126 ✓130+4%
Groceries92 ✓95+3%
Transportation93 ✓96+3%
Healthcare94 ✓97+3%
Utilities94 ✓96+2%

Source: C2ER Cost of Living Index 2026. Index = 100 is US average. ✓ indicates lower cost.

Salary equivalency: Irving → Phoenix

What salary in Phoenix gives you the same purchasing power as your Irving salary?

Salary in IrvingEquivalent in PhoenixDifference
$60,000$64,000+$4,000
$80,000$86,000+$6,000
$100,000$107,000+$7,000
$130,000$139,000+$9,000
$150,000$160,000+$10,000
$200,000$214,000+$14,000

Irving vs Phoenix: Full Cost of Living Comparison (2026)

When comparing the cost of living between Irving, TX and Phoenix, AZ, Irving comes out significantly more affordable with a COL index of 97 versus 100 for Phoenix — a difference of approximately 3%.

State income tax impact

Texas has no state income tax, giving Irving workers an immediate 2.5% take-home pay advantage over Phoenix workers who pay Arizona's 2.5% state income tax.

Housing costs

The median home price in Irving is $360,000, compared to $395,000 in Phoenix. Average 1-bedroom rent is $1,350/month in Irving versus $1,450/month in Phoenix.

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