Cost Of Living in Pinetop-Lakeside, AZ

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6%

Overall NAT. AVG.

1%

Groceries NAT. AVG.

17%

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	Pinetop-Lakeside	Arizona	National
Cost of living	106	101	100
Groceries	99	101	100
Health care	102	101	100
Housing	117	96	100
Transportation	104	102	100
Utilities	111	111	100
Lifestyle & Entertainment	102	103	100
Household Items	100	101	100
Education & Childcare	97	103	100

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Homes For Sale In Pinetop-Lakeside, AZ

3723 Crown Dancer Dr

Pinetop, AZ

5801 Apache Trl

Pinetop, AZ

94 Southlake Rd

Lakeside, AZ

4770 Mountain Gate Cir

Lakeside, AZ

Cost Of Living Quick Facts

The cost of living in Pinetop-Lakeside is 6% higher than the Arizona average
The cost of living in Pinetop-Lakeside is 6% higher than the national average
Pinetop-Lakeside housing is 17% 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

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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	$80,686	$6,724	$1,883	$2,421
Renters	$61,188	$5,099	$1,428	$1,836

A good way to judge both the affordability of the housing and the cost of living in Pinetop-Lakeside is by simply calculating the maximum that should be spent on housing, otherwise known as the debt-to-income ratio (DTI). The plan is to avoid spending more than 28 percent of the gross income on costs that pertain to housing and no more than 36 percent on all expenses and debts. Pinetop-Lakeside has a median income of about $80,686 for people who own homes. Based on that number, a maximum of $1,883 should be spent on expenses related to housing. Renters have a slightly different median income, which is $61,188. Based on this average, renters should spend no more than $1,428 on all rental costs if they want to maintain a non-impoverished standard of living.

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.
North Fork, AZ	2,028	83	16.8%
Hondah, AZ	1,190	84	16.0%
McNary, AZ	792	87	12.9%
White Mountain Lake, AZ	3,023	91	8.8%
Lake of the Woods, AZ	3,748	98	2.3%
Pinetop-Lakeside, AZ	4,548	106	6.5%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Cramerton, NC	4,547	105	4.9%
Reminderville, OH	4,547	106	6.3%
Tri-City, OR	4,547	101	1.2%
Milton, NY	4,549	121	20.8%
Morin-Heights, QC	4,546	n/a
Pinetop-Lakeside, AZ	4,548	106	6.5%