Phoenix vs Yuma leftover
Moving to Yuma costs you $450 a month
$2,126/mo leftover in Yuma vs $2,576 in Phoenix after tax and rent ($450 less). −$5,400 a year for the same registered nurse, the same household size, and the same number of bedrooms. Not a cost-of-living index.
Phoenix leftover
$2,576
a month after tax and rent
Yuma leftover
$2,126
−$450 vs Phoenix
Compare Phoenix to another metro
Same paycheck. Try a different city next to Phoenix.
Monthly gap
Phoenix → Yuma
$450
less / month in Phoenix
$2,126 in Yuma · $2,576 in Phoenix · One adult, renting a 1-bedroom
Home
Only when you tap. We match the nearest metro and don't keep the coordinates.
Destination
In 2022-2023, 624 households moved Phoenix → Yuma (avg AGI $47,197). 1,025 went the other way. The whole move →
−$450 / mo
| Per month | Phoenix | Yuma | Difference |
|---|---|---|---|
| Gross pay | $7,583 | $6,434 | −$1,149 |
| Income and payroll tax | $1,709 | $1,339 | −$369 |
| Take-home pay | $5,875 | $5,095 | −$780 |
| Rent | $1,277 | $951 | −$326 |
| Getting around | $586 | $603 | +$17 |
| Groceries | $396 | $390 | −$6 |
| Healthcare | $446 | $439 | −$7 |
| Utilities | $248 | $244 | −$4 |
| Everything else | $347 | $342 | −$5 |
| Left over | $2,576 | $2,126 | −$450 |
To break even in Yuma, you'd need to earn
$85,000
Household gross, versus $91,000 today. That's the salary that leaves you exactly as much at the end of the month as Phoenix does now.
The tax difference alone
+$345
A year, in state and local income tax. Effective rates: 22.5% in Phoenix, 20.8% in Yuma.
More about Yuma
Phoenix, AZ in full
A 2.5% flat income tax, cheap housing for a big metro, and a genuinely dangerous July.
Yuma, AZ in full
A flat 2.5% state income tax, a median 2-bedroom asking rent of $1,132 and 278 sunny days; commutes average 21 minutes.
The reverse move
Same two cities, but starting from Yuma on Yuma wages.
Yuma → Phoenix →Questions
Is the cost of living lower in Yuma than Phoenix?
A one-bedroom is about $1,277 in Phoenix versus $951 in Yuma. On a one-adult, one-bedroom household, leftover is about $450 a month lower in Yuma. Change the job or household on the comparison to see your number.
Does Yuma have state income tax?
Yuma is in Arizona, which taxes wage income.
What changes if you move from Phoenix to Yuma?
Take-home pay is recalculated under Arizona tax, rent is priced at the same bedroom count, and leftover is the gap. The from-to page also lists IRS households that already made the move, when that data exists.
Leftover is take-home after federal, state and city wage tax, minus asking rent at the bedroom count you set, minus a modelled month of groceries, utilities, healthcare, transport and childcare. It is not a cost-of-living index and not a moving quote. The dollar gap between Phoenix and Yuma moves when you change the job, remote versus local pay, or bedrooms. How the math works · Leftover vs a COL index · Why a cheaper COL% can still lose leftover.
Rent is Zillow's asking rent for each metro; taxes and living costs are modelled. An estimate, not a quote or tax advice. How this is calculated.