F
29%
Overall NAT. AVG.
15%
Goods & Services NAT. AVG.
78%
Housing NAT. AVG.
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Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.
The cost of living index is based on a national average of 100. For example, if the cost of living is 90, then it is 10% lower than average. If the cost of living is 110, then it is 10% higher than average. The breakdown for each index is as follows: goods & services (33%), groceries (13%), health care (5%), housing (30%), transportation (9%) and utilities (10%). If the cost of living data was unavailable for this city, estimates based upon nearby cities were used.
Index Flagstaff Arizona National
Cost of living129101100
Goods & Services115104100
Groceries102102100
Health care10894100
Housing17897100
Transportation116106100
Utilities8495100

An Overview of Cost of Living in Flagstaff, AZ

Getting a feel for the cost of living in Flagstaff is essential for anyone planning to relocate, as it empowers them to make informed financial decisions, secure a comfortable lifestyle and maintain financial stability in their new environment. The cost of living in Flagstaff is 129, which is 29% higher than the national average. Relocating individuals may need to adjust their savings and investment strategies based on the cost of living in the new location. It influences decisions about retirement planning, investments and financial goals.

If you're in pursuit of an economical living environment, Flagstaff may not fit the bill, as it ranks among the most expensive places to reside in the United States. Just a minority of regions exhibit a cost of living that is more than 20% higher than the national average, and, unfortunately, Flagstaff falls within this bracket.

When it comes to the cost of living in Flagstaff, housing costs are a real heavyweight, often hogging a significant chunk of your earnings. Sadly, in this area, housing expenses for both buying and renting were 78.1% more expensive compared to your average city. That means you'll be shelling out more for homes, rents, mortgage rates and insurance.

Recurring goods and services expenses like haircuts, toothpaste, gym memberships and movie nights are a big part of your spending and make up 33% of the cost of living index. In Flagstaff, these items will cost you 14.6% more than what most folks pay, making it a bit more expensive to live here.

Is Flagstaff Affordable?

Wondering if Flagstaff is affordable? It's a question that often comes up when you're thinking about a new city since affordability can really shape your decisions. The cost of living index (covered earlier), housing expenses and income levels all play a part in the affordability equation. In Flagstaff, for example, the median home price is 96.4% higher than what folks pay nationally, and monthly rent is 35.5% higher than the usual rates. Plus, income levels matter too, with Flagstaff boasting a median household income of $58,685, which is 6.1% higher than the national average.

What Factors can Influence the Cost of Living in Flagstaff?

Housing: High demand for housing in desirable locations can drive up property prices and rental rates. This can be a primary contributor to a higher cost of living. While low demand for housing, especially in undesirable locations, can have the reverse effect and drive prices down, resulting in a lower cost of living. The housing index in Flagstaff, is 78.1% higher than the national average.

Taxes: Regions that impose higher taxes, including sales and income taxes, can contribute to an increased cost of living. Higher taxes for everyday necessities such as clothing, utilities and food inevitably leads to higher expenditures. Additionally, a higher income tax rate can also play a role in elevating the overall cost of living. In Flagstaff, the prevailing sales tax rate starts at 5.6%, and income tax rates kick off at 2.55%.

Groceries: Over the past 2-3 years, grocery expenses have experienced substantial upward trends. In certain markets, food prices have surged by over 20% during this period, while others have witnessed more modest increases. These fluctuations in food costs can wield significant influence over the overall cost of living in a given region. In Flagstaff, the groceries index is 1.9% higher than the national average.

Where is the Data From?

The Flagstaff cost of living data you see above is sourced from the C2ER cost of living index, providing a practical and accurate means of comparing living expenses in urban areas. Updated quarterly, this index gathers data from over 300 independent researchers, covering more than 60 goods and services, in 6 different categories. These selections are made meticulously to represent a wide range of consumer expenditure categories. The weightings applied to cost differences are based on government survey data that tracks spending patterns among professional and executive households. It's important to note that while the C2ER index excludes data on sales or income tax rates, AreaVibes factors tax rates into the overall cost of living score for each region.

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Cost Of Living Quick Facts

  • The cost of living in Flagstaff is 28% higher than the Arizona average
  • The cost of living in Flagstaff is 29% higher than the national average
  • Flagstaff housing is 78% higher 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

Most Affordable Places to Live in and Around Flagstaff

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Compare Flagstaff, AZ Cost of Living

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      Salary Calculator

      This is how much you would need to earn in
      Price difference in compared to
      Cost of living index
      Goods & Services index
      Groceries index
      Health care index
      Housing index
      Transportation index
      Utilities index

      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$92,206$7,684$2,151$2,766
      Renters$40,762$3,397$951$1,223
      The percentage of monthly income spent on housing related expenses can help predict the affordability of housing in Flagstaff, AZ, as well as what the overall cost of living might be. Generally, a good rule to follow is that the debt-to-income (DTI) level you want to maintain is 28 percent or less of your income on your rent or mortgage payments and not more than 36 percent of income on all expenses and debts. In Flagstaff, homeowners have a median income of $92,206. Using that number, a maximum of $2,151 per month should be allocated to housing expenses. For those who are renting instead of owning, the median income is $40,762, which means there is a maximum of $951 to be spent on the costs of renting a home or apartment.

      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%

      Goods & Services

      Item Flagstaff National avg. Difference
      Haircut $17.67$24.2627.2%
      Beauty Salon $35.11$45.5622.9%
      Toothpaste $3.70$3.700.0%
      Shampoo $1.31$1.282.5%
      Movie $8.38$12.1331.0%
      Bowling $6.67$18.0063.0%

      Groceries

      Item Flagstaff National avg. Difference
      Ground Beef $6.56$5.8412.3%
      Fried Chicken $1.10$1.5729.8%
      Milk $4.79$4.672.5%
      Potatoes $4.63$4.936.2%
      Pizza $8.98$12.0925.7%
      Beer $10.96$10.415.3%

      Health Care

      Item Flagstaff National avg. Difference
      Optometrist $105.50$125.6816.1%
      Doctor $108.89$135.7819.8%
      Dentist $109.06$113.293.7%
      Ibuprofen $10.64$10.650.1%
      Lipitor $493.85$468.605.4%

      Housing

      Item Flagstaff National avg. Difference
      Home Price $362,700.00$184,700.0096.4%
      Avg. Mortgage Payment $2,439.20$2,346.693.9%
      Apartment Rent $1,286.00$949.0035.5%

      Transportation

      Item Flagstaff National avg. Difference
      Gasoline $3.41$3.461.5%
      Tire Balancing $59.52$59.920.7%

      Utilities

      Item Flagstaff National avg. Difference
      All Electricity $158.87$193.9918.1%
      Phone $183.34$192.254.6%
      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 Population Cost of Living Index National Avg.
      Mountainaire, AZ79211515.2%
      Kachina Village, AZ3,15412121.0%
      Doney Park, AZ4,89113434.2%
      Fort Valley, AZ2,10817474.5%
      Flagstaff, AZ73,31912928.7%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Apple Valley, CA73,33911818.4%
      Ellicott City, MD73,27215150.7%
      Schaumburg, IL73,39211616.3%
      Bismarck, ND73,4351054.8%
      Cheektowaga, NY73,4578811.9%
      Flagstaff, AZ73,31912928.7%
      Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.