Is Surprise Expensive?

Phoenix, United States

-28% vs Phoenix avg

Living in Surprise, Phoenix

Surprise is one of the most affordable neighborhoods in Phoenix, with a cost of living index of 42.4 — that is -28% compared to the Phoenix average. Ranked #28 of 30, it offers some of the lowest costs in the city. Estimated rent for a one-bedroom apartment here is around $1,044/month, compared to a range of $1,015 in Avondale to $2,030 in Paradise Valley.

Monthly Budget Breakdown

For a typical resident of Surprise, housing takes up roughly 32% of monthly expenses. Food and groceries account for about 16%, while transportation costs around 8%. To live comfortably here — meaning rent stays at or below 30% of gross income — you would need an annual salary of approximately $41,760 before tax.

Typical Salaries in Surprise

Salaries in Surprise reflect the local cost of living. Based on the neighborhood COLI of 42.4:

After tax and deductions of 21.4% in United States, take-home pay for someone earning $41,760 would be roughly $32,823/year. Use the salary converter to calculate an exact figure for your situation, including expat-specific tax adjustments.

Key Stats

42.4
COLI Index
0.72x
vs City Avg
$1,044
Est. 1BR Rent
#28
of 30 Areas
21.4%
Total Deductions

Tax & Deductions in Surprise

Estimated annual deductions on a $31,800 salary in Surprise, Phoenix (local employee).

Income Tax
11%
Social Security + Medicare (FICA)
7.6%
State Income Tax (AZ)
2.5%
Total Deductions: 21.4%
Est. Take-Home: $24,988/yr

Rates shown are for a local employee. Use the salary converter for expat calculations.

Salary Equivalents

What a $75,000 USD salary in Surprise would need to be elsewhere:

City Currency Equivalent
New York USD $31,800
London GBP £27,367
Dubai AED AED 159,120

Other Neighborhoods in Phoenix

Neighborhood COLI Multiplier vs Avg
Paradise Valley 82.5 1.40x +40%
Scottsdale (Old Town) 76.6 1.30x +30%
Biltmore 75.4 1.28x +28%
Arcadia 73.6 1.25x +25%
Scottsdale (North) 71.9 1.22x +22%

View all 30 neighborhoods in Phoenix →

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Compare Surprise

Surprise vs Sun City Surprise vs Avondale

Similar Neighborhoods Worldwide

Neighborhoods with a similar cost of living to Surprise:

Garner, Raleigh Wendell, Raleigh Caucade, Nice Meinohama, Fukuoka Takamiya, Fukuoka Antioch, Nashville

Frequently Asked Questions

Is Surprise expensive in Phoenix?

Surprise is one of the more affordable neighborhoods in Phoenix. It costs about -28% less than the city average, ranking #28 out of 30 neighborhoods.

How does Surprise compare to the Phoenix average?

The cost of living in Surprise is well below the Phoenix average. With a multiplier of 0.72x, everyday expenses including rent, food, and transportation are -28% compared to the city baseline.

Data Sources: Cost of living indices based on crowd-sourced price data and official statistics. Tax calculations follow 2026 rates. Sources include U.S. Bureau of Labor Statistics · U.S. Census Bureau · OECD Better Life Index. Figures are estimates and may vary based on individual circumstances.