Fort Defiance cost of living index

In the event that the cost of living data was unavailable for this city, estimates based upon nearby cities were used. Each cost of living index is based on a national average of 100. If the amount is below 100, it is lower than the national average. If the amount is above 100, it is higher than the national average.
IndexFort DefianceArizonaNational
Cost of living index7797100
IndexFort DefianceArizonaNational
Goods & Services index9297100
Groceries index9398100
Health care index95100100
Housing index3794100
Transportation index10099100
Utilities index9599100
A general summary of the cost of living index in Fort Defiance, AZ is shown above. Compared to the state average of Arizona the cost of living index in Fort Defiance, AZ is 77, which is 20% lower than the average in Arizona and compared to the national average it is 23% lower than. The cost of living index is made up of several categories. These are transportation at 9%, utilities at 10%, goods and services at 33%, housing at 30%, groceries at 13%, and health care at 5%. The bulk of the cost of living index comes from the categories of goods and services and housing. If you look at everyday goods and services they can be a good indicator in a certain city of the general costs of goods there. In Fort Defiance, AZ goods and services come in at 5% lower than the average in Arizona and are 8% lower than compared to the nationwide average.

Did you know?

  • The cost of living in Fort Defiance is 20% lower than the Arizona average.
  • The cost of living in Fort Defiance is 23% lower than the national average.
  • The cost of housing in Fort Defiance is 63% lower than the national average.
  • Arizona general sales tax is 10% higher than the national average.
  • Arizona state income tax is 16% higher than the national average.

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Compare Fort Defiance, AZ Cost of living To Other Cities

Salary Calculator

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The salary calculator is meant to help you compare your salary in Fort Defiance, AZ to your potential earning power in another city. This can help you deduce what your salary would need to be in any given city in order for you to live the same lifestyle that you do in your current city. In other words, if you plan on moving to a city where the cost of living is higher than in Fort Defiance, AZ, you'll have to make more money in the new city in order to maintain the lifestyle you currently enjoy. To use the Fort Defiance, AZ salary calculator, simply input the new city, then move the adjustable slider to match your current income. Once you've selected your income, the calculator will determine if that income is sufficient to support your standard of living in the new city you entered. The calculator will also supply you with a rundown of living costs in the new city.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
Owners$35,625$2,969$831$1,069
Renters$44,688$3,724$1,043$1,341
The affordability of the housing market in Fort Defiance, AZ as well as the overall cost of living can be indicated accurately by what percent of the monthly income is spent on housing related costs. This is konwn as the debt-to-income ratio (DTI). The overall rule of thumb is that no more than 28% of your gross income should ever be used on the overall costs related to housing and no more than 36% of gross income on all expenses and debts. Among Fort Defiance, AZ homeowners, the median income is $35,625. This indicates that a monthly maximum of $831 should be spent by homeowners on all housing related costs. Renters have a median income of $44,688. This indicates that renters should have a maximum of $1,043 used for their rent related monthly costs.

Arizona Sales Tax

StateGeneral Sales TaxWith Max Surtax
Arizona5.6%10.725%

Arizona Income Tax

StateIncome Tax (Low)Income Tax (High)
Arizona2.59%4.54%
When considering the overall cost of living expenses in Fort Defiance, AZ, it's important to take into account the sales tax for Arizona, as well as the rate for income tax in Arizona. Goods and services sold to consumers in any state have some form of sales tax. Each state has its own tax code, which means that sales tax rates vary from state to state, ranging from over 7% in some states to as low as 0% in others. The maximum surtax for Arizona is 10.725%, and the sales tax in the state of Arizona is 5.6%. Alternatively, the tax imposed on your income by the state government is known as income tax. The rate for this tax also varies from state to state, and your rate is affected by your tax bracket, which is determined by your level of income. Income tax rates might be as high as 9%, down to as low as 0%. The range for income tax rates in Arizona starts from 2.59% and goes up to 4.54%.

Goods & Services

ItemFort DefianceNational avg.Difference
Haircut $13.17$14.599.8%
Beauty Salon $26.66$34.6823.1%
Toothpaste $2.03$2.4717.9%
Shampoo $0.96$1.026.1%
Movie $8.50$9.8713.9%
Bowling $3.25$4.3926.0%

Groceries

ItemFort DefianceNational avg.Difference
Ground Beef $4.10$4.488.4%
Fried Chicken $1.54$1.465.2%
Milk $1.67$2.3629.1%
Potatoes $3.49$3.0614.0%
Pizza $8.00$9.2413.4%
Beer $8.04$8.636.9%

Health Care

ItemFort DefianceNational avg.Difference
Optometrist $97.80$99.782.0%
Doctor $96.20$105.038.4%
Dentist $85.75$88.703.3%
Ibuprofen $8.61$9.418.5%
Lipitor $288.75$298.503.3%

Housing

ItemFort DefianceNational avg.Difference
Home Price $44,500.00$175,700.0074.7%
Avg. Mortgage Payment $1,112.00$1,081.032.9%
Apartment Rent $598.00$920.0035.0%

Transportation

ItemFort DefianceNational avg.Difference
Gasoline $2.18$2.094.3%
Tire Balancing $39.20$45.2913.4%

Utilities

ItemFort DefianceNational avg.Difference
All Electricity$169.27$170.800.9%
Phone $25.39$28.2610.1%
Although the cost of living data is updated regularly, this cost of living information is to be used as estimates only as prices can change on an ongoing basis.

Nearby cities with low cost of living

City, StatePopulationCost of Living IndexNational Avg.
Tse Bonito, NM22769-31%
Navajo, NM2,14273-27%
Rock Springs, NM27776-24%
Nakaibito, NM47283-17%
Sawmill, AZ70178-22%
Fort Defiance, AZ4,04477-23%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Larned, KS4,04482-18%
Ivanhoe, CA4,04494-6%
Fredericktown, MO4,04385-15%
Pocola, OK4,04383-17%
Rosemont, IL4,04311818%
Fort Defiance, AZ4,04477-23%
Source: The Fort Defiance, AZ cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2015.