City Comparison · 2026
Miami vs Phoenix
Salary, rent, taxes, and purchasing power compared
Purchasing Power
$100k in Miami = $75k in Phoenix
Metric
Miami
Phoenix
COL Index
1.50
✓1.12
1BR Monthly Rent
$2,200/mo
✓$1,450/mo
2BR Monthly Rent
$2,900/mo
✓$1,820/mo
State Income Tax
FL
AZ
$100k Take-Home
✓$78,736
$76,236
$100k Effective Rate
✓21.26%
23.76%
$100k Savings Potential
$52,336
✓$58,836
After-Tax Income by Salary
| Gross Salary | Miami FL | Phoenix AZ |
|---|---|---|
| $60,000 | $50,248 $4,187/mo · 16.25% eff. | $48,748 $4,062/mo · 18.75% eff. |
| $100,000 | $78,736 $6,561/mo · 21.26% eff. | $76,236 $6,353/mo · 23.76% eff. |
| $150,000 | $113,278 $9,440/mo · 24.48% eff. | $109,528 $9,127/mo · 26.98% eff. |
Frequently Asked Questions
Is Miami or Phoenix cheaper to live in?
Miami has a cost-of-living index of 1.50 while Phoenix is 1.12 (1.00 = US average). Phoenix is cheaper overall. 1BR rent in Miami is $2,200/month vs $1,450/month in Phoenix.
How much more do you need to earn in Miami vs Phoenix?
$100k in Miami = $75k in Phoenix. Cost of living in Phoenix is lower by 25.3%.
Which city has better after-tax income — Miami or Phoenix?
On a $100,000 salary, you take home $78,736 in FL (Miami) and $76,236 in AZ (Phoenix). After accounting for rent, your annual savings potential is $52,336 in Miami vs $58,836 in Phoenix.
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