Cost Of Living in St. Michaels, AZ

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19%

Overall NAT. AVG.

1%

Groceries NAT. AVG.

58%

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	St. Michaels	Arizona	National
Cost of living	81	101	100
Groceries	101	101	100
Health care	99	101	100
Housing	42	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 St. Michaels is 20% lower than the Arizona average
The cost of living in St. Michaels is 19% lower than the national average
St. Michaels housing is 58% 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	$61,038	$5,087	$1,424	$1,831
Renters	$0	$0	$0	$0

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%
Oak Springs, AZ	45	71	29.0%
Fort Defiance, AZ	4,304	77	23.1%
Window Rock, AZ	2,549	81	19.4%
St. Michaels, AZ	944	81	19.0%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Spiceland, IN	944	83	17.0%
Montezuma, KS	944	86	14.2%
Auxier, KY	944	79	20.9%
Chama, NM	944	94	5.9%
Philo, OH	944	83	17.1%
St. Michaels, AZ	944	81	19.0%