Moving from New York to Arizona
Moving to Arizona on the same salary raises your real buying power by 11.5%. Change the salary below to see your own numbers.
Equal salary in AZ: $74,800
To keep the same lifestyle, you need about $74,800 in Arizona to match $85,000 in New York ($10,200 less), after 2026 taxes and local prices.
Single filer, W-2 salary, standard deduction.
These changes cover taxes, housing and electricity. Food, transport, healthcare, other spending and one-time moving costs are excluded. They are not total savings. State medians may differ from your neighborhood and current quotes.
| Tax on $85,000 | New York | Arizona |
|---|---|---|
| Federal income tax | $9,870 | $9,870 |
| Social Security + Medicare | $6,503 | $6,503 |
| State income tax | $3,993 | $1,723 |
| State payroll programs (UI, disability, paid leave, transit) | $367 | $0 |
| Take-home pay | $64,267 | $66,905 |
Key facts: New York to Arizona
- Median rent
- $1,634 → $1,672/mo
- Median home value
- $449,800 → $426,000
- Price level (U.S. = 100)
- 107.9 → 100.7
- Road distance
- ≈ 2,460 miles
- Natural hazard risk (FEMA)
- Among the highest (91.5 → 97.7 of 100)
What changes when you move to Arizona
- Your state taxes fall by about $2,638 a year on the same $85,000 salary.
- Keeping a remote job with a New York employer? New York can still tax those wages under its convenience-of-the-employer rule unless your employer requires you to work elsewhere. See taxes the year you move.
- BEA's housing price index is 13% lower in Arizona. Median rent goes from $1,634 to $1,672 a month and the median home value from $449,800 to $426,000.
- Homeowners pay less property tax: the median bill is $1,828 in Arizona vs $6,542 in New York.
- The average home electric bill is $160 a month in Arizona vs $140 in New York (EIA 2024), about $249 a year more.
- Prices for everyday goods are 11% lower (BEA). The statewide sales tax rate is 5.6% in Arizona vs 4% in New York, before local sales taxes.
Who moves from New York to Arizona
In the latest IRS migration data (2022–2023), 2,879 households (4,349 people) filed their taxes in Arizona after filing in New York the year before. That makes Arizona the #18 destination for people leaving New York. These households reported an average adjusted gross income of $85,730. Going the other way, 2,528 households moved from Arizona to New York, a net gain of 351 households for Arizona.
Five-year trend
Moves from New York to Arizona peaked in 2019–20 at 3,555 households, then fell 19% by 2022–23. That is still down 6% from 2018–19.
Source: IRS SOI state-to-state migration files, tax years 2018–19 to 2022–23.
Cost to move from New York to Arizona
Moving cost: $1,520–$19,400
Moving about 2,460 miles from New York to Arizona costs roughly $1,520 – $19,400, depending on how much of the work you hire out.
Distance between the states' population centers by road (estimate).
| Moving method | Typical range |
|---|---|
| Rental truck (DIY) Truck rental, taxes and fees. Add fuel, damage coverage, lodging and your time. | $1,520 – $7,400 |
| Moving container You pack and load; the company drives the container. | $2,420 – $7,040 |
| Full-service movers Packing, loading, transport and unloading. | $3,830 – $19,400 |
These ranges are based on summer (peak-season) quotes. A move between October and April usually costs less: peak prices run 20–30% higher.
A rental truck also burns about 246 gallons of fuel over this distance. One-way truck rental prices depend on direction: a truck headed where many people are moving often costs more than the same trip in reverse.
Ranges combine 198 published quote ranges on 22 interstate routes (moveBuddha, retrieved 2026-09-24) with 47 independent published prices from U-Pack, HireAHelper and Move.org, which raised the top of several ranges. They are not quotes; get at least three written estimates.
Alaska and Hawaii ranges come from published carrier rates and moving quotes, dated in each row (Matson's household-goods rates, U-Pack, Royal Hawaiian Movers). See how we estimate.
Shipping a car from New York to Arizona
Car shipping: $1,430–$2,060
Shipping a sedan from New York to Arizona on an open carrier costs about $1,430–$2,060, typically 5–10 days in transit over about 2,460 miles.
Modeled from 32 published 2026 route prices (SGT Auto Transport 'Ship a Car to Another State' sample routes, SGT Auto Transport cost calculator sample routes) plus published Hawaii and Alaska rates. SUVs cost about 25% more and enclosed carriers about 35% more. Not a quote.
New York vs Arizona take-home pay at every salary
| Salary | Equal salary in AZ | Take-home change | Take-home in NY | Take-home in AZ |
|---|---|---|---|---|
| $50,000 | $44,700 | +$1,472 | $40,036 | $41,508 |
| $75,000 | $66,000 | +$2,305 | $57,816 | $60,120 |
| $100,000 | $88,100 | +$3,174 | $73,908 | $77,083 |
| $150,000 | $131,200 | +$5,355 | $105,088 | $110,444 |
| $250,000 | $216,200 | +$10,336 | $166,998 | $177,335 |
Single filer, 2026 tax rules, standard deduction. "Equal salary" keeps the same after-tax buying power.
At higher incomes, especially for homeowners, itemizing state and local taxes (deductible up to $40,400 in 2026) can lower your federal tax while you live in New York, which narrows the gap shown.
Cost of living: New York vs Arizona
| Measure | New York | Arizona |
|---|---|---|
| Overall price level (U.S. = 100) | 107.9 | 100.7 |
| Housing price index | 122.2 | 106.8 |
| Utilities price index | 134.4 | 92.3 |
| Goods price index | 107.3 | 95.4 |
| Median rent (monthly) | $1,634 | $1,672 |
| Median home value | $449,800 | $426,000 |
| Median property tax (yearly) | $6,542 | $1,828 |
| Electricity (residential) | 29.49¢/kWh | 15.18¢/kWh |
| State sales tax rate | 4% | 5.6% |
| Median household income | $85,820 | $81,486 |
Renting and buying: New York vs Arizona
| Measure | New York | Arizona |
|---|---|---|
| Income to rent the median home (30% rule) | $65,360 | $66,880 |
| Monthly cost to own the median home (20% down) | $3,037 | $2,507 |
| Income needed to buy the median home | $130,169 | $107,457 |
| Homeowners insurance (yearly median, homes with a mortgage) | $1,322 | $1,189 |
| Infant child care (center, yearly) | $20,439 | $15,964 |
Mortgage at the Freddie Mac 30-year average with 20% down, plus the median property tax and the median homeowners insurance that owners with a mortgage paid in 2024 (Census ACS). Premiums have risen in most states since then, so get quotes. See buying a home in Arizona for other down payments.
Your yearly budget: New York vs Arizona
On an $85,000 salary, taxes, housing, electricity, one car and health insurance for one adult come to $55,728 a year in New York and $50,087 in Arizona if you rent: $5,641 less after the move. If you buy the median home, they come to $72,567 and $60,111 ($12,456 less).
Your yearly budget, before vs after
| Yearly cost | NY | AZ | Change |
|---|---|---|---|
| Income and payroll taxes on $85,000, single filer | $20,733 | $18,095 | -$2,638 |
| Electricity state average bill | $1,674 | $1,923 | +$249 |
| Car insurance one car, state average | $1,753 | $1,344 | -$409 |
| Gas 12,000 miles at 25 mpg | $2,156 | $2,277 | +$121 |
| Health insurance one adult, age 40, own plan before subsidies | $9,804 | $6,384 | -$3,420 |
| If you rent | |||
| Rent median, 12 months | $19,608 | $20,064 | +$456 |
| Total if you rent | $55,728 | $50,087 | -$5,641 |
| If you buy the median home (20% down) | |||
| Mortgage payment median home, 20% down, 6.95% | $28,583 | $27,071 | -$1,512 |
| Property tax median home | $6,542 | $1,828 | -$4,714 |
| Homeowners insurance state median, with a mortgage | $1,322 | $1,189 | -$133 |
| Total if you buy | $72,567 | $60,111 | -$12,456 |
Taxes: 2026 federal and state rules, standard deduction. Rent, home value and property tax: Census ACS 2024 state medians. Mortgage: Freddie Mac 30-year average (6.95%, week of September 17, 2026).
State figures: EIA 2024 average residential power bill, NAIC 2023 auto insurance (average per car), Census ACS 2024 homeowners insurance (median for owners with a mortgage; premiums have risen since), AAA regular gas on September 23, 2026, and the KFF 2026 benchmark silver Marketplace premium. Job-based health coverage usually costs you less, and in 2026 incomes between 100% and 400% of the federal poverty level can get a premium tax credit.
Not included: sales tax (combined state and local rates are not in our data yet), food, car payments and other spending.
Child care is not in the totals. Full-time center care for one infant averages $20,439 a year in New York and $15,964 in Arizona (Child Care Aware of America, 2024 state averages).
Compare cities: New York to Arizona
Cost of living in Arizona cities: Phoenix, Tucson, Prescott.
After you arrive in Arizona
- Arizona new resident checklist: driver license and vehicle registration deadlines.
- Taxes the year you move: part-year returns in New York and Arizona.
- How Arizona taxes retirement income.
Frequently asked questions
How much salary do I need in Arizona to live like I do in New York?
An $85,000 salary in New York works out to about $74,800 in Arizona once 2026 federal and state taxes and BEA regional price levels are counted. At $100,000 it is about $88,100.
Will I pay less tax in Arizona than in New York?
Yes, about $2,638 less a year in income and payroll taxes on an $85,000 salary (24.4% of pay in New York vs 21.3% in Arizona). Property and sales taxes are shown separately.
How much does it cost to move from New York to Arizona?
For a 2–3 bedroom home over about 2,460 miles, expect roughly $1,520–$7,400 with a rental truck, $2,420–$7,040 with a moving container, or $3,830–$19,400 with full-service movers.
Are more people moving from New York to Arizona?
Moves from New York to Arizona peaked in 2019–20 at 3,555 households, then fell 19% by 2022–23. That is still down 6% from 2018–19.
How many people move from New York to Arizona?
IRS migration data for 2022–2023 show 2,879 households (4,349 people) moved from New York to Arizona, making Arizona the #18 destination for people leaving New York. 2,528 households moved the other way.
Is Arizona cheaper than New York?
Overall prices in Arizona are 6.7% lower than New York (BEA Regional Price Parities 2024). Median rent is $1,672 vs $1,634 a month.
Compare other moves
Where people from New York actually move
- NY to New Jersey 43,699 households
- NY to Florida 43,187 households
- NY to Pennsylvania 20,643 households
- NY to California 18,440 households
- NY to Connecticut 15,535 households
- NY to North Carolina 13,811 households
- NY to Texas 12,961 households
- NY to Massachusetts 10,479 households