Cost Of Living in Fort Defiance, AZ

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A+

23%

Overall NAT. AVG.

1%

Groceries NAT. AVG.

71%

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	Fort Defiance	Arizona	National
Cost of living	77	101	100
Groceries	101	101	100
Health care	99	101	100
Housing	29	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 Fort Defiance is 24% lower than the Arizona average
The cost of living in Fort Defiance is 23% lower than the national average
Fort Defiance housing is 71% 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	$46,779	$3,898	$1,091	$1,404
Renters	$70,472	$5,873	$1,644	$2,114

The affordability of the housing market in Fort Defiance, 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 Fort Defiance homeowners, the median income is $46,779. This indicates that a monthly maximum of $1,091 should be spent by homeowners on all housing related costs. Renters have a median income of $70,472. This indicates that renters would have a maximum of $1,644 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.
Tse Bonito, NM	212	98	2.3%
Rock Springs, NM	1,201	98	2.3%
Nakaibito, NM	222	77	23.3%
Sawmill, AZ	728	78	22.0%
Navajo, NM	1,860	79	21.2%
Fort Defiance, AZ	4,304	77	23.1%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Broadmoor, CA	4,304	215	115.0%
Sebring, OH	4,304	85	15.3%
Liberty, NY	4,303	96	4.3%
Belleair, FL	4,305	144	44.3%
Northwest Harbor, NY	4,302	196	95.5%
Fort Defiance, AZ	4,304	77	23.1%