Cost Of Living in Chinle, AZ

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23%

Overall NAT. AVG.

1%

Groceries NAT. AVG.

72%

Housing NAT. AVG.

Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.

The cost of living index is based on a national average of 100. For example, if the cost of living score is 90, then the estimated cost of living is 10% lower than the national average. If the score is 110, then the estimated cost of living is 10% higher than average. The overall index is calculated using weighted estimates across major everyday expense categories, including housing (30%), groceries (16%), transportation (12%), healthcare (10%), utilities (8%), lifestyle and entertainment (8%), household expenses (8%), and education and childcare (8%). All values are AI-assisted city-level estimates designed for directional comparisons.
Index	Chinle	Arizona	National
Cost of living	77	101	100
Groceries	101	101	100
Health care	99	101	100
Housing	28	96	100
Transportation	98	102	100
Utilities	96	111	100
Lifestyle & Entertainment	95	103	100
Household Items	99	101	100
Education & Childcare	95	103	100

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Cost Of Living Quick Facts

The cost of living in Chinle is 24% lower than the Arizona average
The cost of living in Chinle is 23% lower than the national average
Chinle housing is 72% lower than the national average
Arizona general sales tax is 10% higher than the national average
Arizona state income tax is 4% lower than the national average

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Price difference in compared to

Cost of living index
Groceries index
Health care index
Housing index
Transportation index
Utilities index
Lifestyle index
Household index
Educare index

Median Income & Debt-To-Income Ratio

Median Income	Per Year	Per Month	Max Budget (28% DTI)	Max Budget (36% DTI)
Owners	$0	$0	$0	$0
Renters	$45,690	$3,808	$1,066	$1,371

The affordability of the housing market in Chinle, AZ as well as the overall cost of living can be predicted 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 be spent on the overall costs related to housing and no more than 36% of gross income on all expenses and debts. Among Chinle homeowners, the median income is $0. This indicates that a monthly maximum of $0 should be spent by homeowners on all housing related costs. Renters have a median income of $45,690. This indicates that renters would have a maximum of $1,066 for their rent related monthly costs.

Arizona Sales Tax

State	General Sales Tax	With Max Surtax
Arizona	5.6%	10.725%

Arizona Income Tax

State	Income Tax (Low)	Income Tax (High)
Arizona	2.5%	2.5%

Nearby cities with low cost of living

City	Population	Cost of Living Index	National Avg.
Del Muerto, AZ	253	71	29.0%
Many Farms, AZ	897	76	24.0%
Chinle, AZ	4,400	77	23.3%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Magnolia, NJ	4,400	106	6.1%
Atlantic Highlands, NJ	4,401	145	44.7%
Cross Plains, WI	4,401	112	11.9%
Mountain Lakes, NJ	4,398	191	91.1%
Spring Valley Village, TX	4,398	197	96.9%
Chinle, AZ	4,400	77	23.3%