City comparison

Phoenix, AZ vs Urban Honolulu, HI

What a paycheck is really worth in each city: prices, rent and state taxes.

Key findings

  • Prices in Urban Honolulu, HI are 7.4% higher than in Phoenix, AZ. Someone earning $100,000 in Phoenix, AZ would need about $107,400 in Urban Honolulu, HI to live the same way.
  • Rent is the bigger story: a typical 1-bedroom costs $2,016 a month in Urban Honolulu, HI versus $1,583 in Phoenix, AZ. On $100,000, that's 33% of take-home pay in Urban Honolulu, HI and 25% in Phoenix, AZ.
  • On $100,000, estimated state income tax is about $3,779 a year higher in Urban Honolulu, HI than in Phoenix, AZ.
  • For federal employees, locality pay changes a GS-13 step 1 salary by −0.2% moving from Phoenix, AZ to Urban Honolulu, HI ($111,338 → $111,119), while prices change by +7.4%. Net effect of the transfer: −7.1% in real buying power.
PhoenixUrban Honolulu
Price level (U.S. = 100):Under 9292–9898–102102–108Over 108
  • Phoenix, AZ: price level 103.3 (pricier)
  • Urban Honolulu, HI: price level 111.0 (much pricier)

Map drawn from Census Bureau state boundaries and metro locations9,10; dot colours show BEA price levels2.

Side by side

Phoenix, AZUrban Honolulu, HI
Price level (U.S. = 100)2103.3111.0
$100,000 is worth, in the other city2$107,400 in Urban Honolulu$93,110 in Phoenix
Typical 1-bedroom rent3$1,583/mo$2,016/mo
Take-home on $100,00014,15,8$76,889$73,110
State income tax on $100,000 (estimate)8$2,291 (AZ)$6,070 (HI)
Rent burden on $100,00025%33%
Median pay, all jobs4$51,380$57,220
Federal locality pay area7Phoenix-Mesa, AZState of Hawaii

Rent areas: Phoenix-Mesa-Chandler, AZ MSA and Urban Honolulu, HI MSA. Metro areas: Phoenix-Mesa-Chandler, AZ and Urban Honolulu, HI.

What costs more or less

Phoenix, AZUrban Honolulu, HI
Price level (U.S. = 100)PhoenixUrban Honolulu
Housing (rent)121.2135.5
Goods95.0111.6
Utilities93.3187.3
Other services104.0102.9
Overall103.3111.0
BEA Regional Price Parities2. Housing covers rents.

Moving with the same $100,000 salary

Phoenix, AZ → Urban Honolulu, HI

Same pay buys less

Buying power −6.9%; rent takes 33% of take-home; state tax +$3,779/yr.

35 Weak offer

Urban Honolulu, HI → Phoenix, AZ

Same pay goes further

Buying power +7.4%; rent takes 25% of take-home; state tax −$3,779/yr.

92 Strong offer

On the GS pay scale?

Phoenix, AZ is in the Phoenix-Mesa, AZ pay area; Urban Honolulu, HI is in State of Hawaii. The last column shows what a transfer from Phoenix, AZ to Urban Honolulu, HI at the same grade and step does to real buying power.

Grade5,2Phoenix, AZUrban Honolulu, HIReal change, Phoenix → Urban Honolulu
GS-9 step 1$64,564$64,438−7.1%
GS-11 step 1$78,117$77,964−7.1%
GS-12 step 1$93,629$93,445−7.1%
GS-13 step 1$111,338$111,119−7.1%
GS-14 step 1$131,568$131,310−7.1%

Pay for common jobs

Median annual pay4Phoenix, AZUrban Honolulu, HIUrban Honolulu pay in Phoenix dollars
Elementary School Teachers, Except Special Education$59,180$73,080$68,045 (+15.0%)
Software Developers$131,750$120,230$111,946 (−15.0%)
Accountants and Auditors$80,820$74,990$69,823 (−13.6%)
Registered Nurses$100,830$139,260$129,665 (+28.6%)

"Not published" means BLS doesn't release an estimate for that job in that metro.

Check your own offer

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Taxes are estimates for a single filer taking the standard deduction; city and county income taxes are not included. See the methodology.

Notes & Sources

  1. U.S. Census Bureau, Metropolitan Statistical Area population estimates (Vintage 2025) (2025). Retrieved 2026-09-29.
  2. U.S. Bureau of Economic Analysis, Regional Price Parities by MSA (MARPP), all items (2024). Retrieved 2026-09-29.
  3. U.S. Department of Housing and Urban Development, Fair Market Rents, 1-bedroom (2026). Retrieved 2026-09-29.
  4. U.S. Bureau of Labor Statistics, Occupational Employment and Wage Statistics (OEWS), May 2025, metropolitan areas (2025). Retrieved 2026-09-29.
  5. U.S. Office of Personnel Management, General Schedule (GS) pay rates with locality pay, 2026 (2026). Retrieved 2026-09-29.
  6. U.S. Office of Personnel Management, Locality codes used in the 2026 GS pay spreadsheet (2026). Retrieved 2026-09-29.
  7. U.S. Office of Personnel Management, 2026 Locality Pay Area Definitions (counties in each pay area) (2026). Retrieved 2026-09-29.
  8. Tax Foundation, State Individual Income Tax Rates and Brackets, 2026 (2026). Retrieved 2026-09-29.
  9. U.S. Census Bureau, Cartographic boundary file: states, 1:20,000,000 (2024) (2024). Retrieved 2026-09-29.
  10. U.S. Census Bureau, Gazetteer file: core based statistical areas (2025) (2025). Retrieved 2026-09-29.
  11. U.S. Census Bureau, American Community Survey 5-year estimates, 2020-2024, table C24010 (occupation of employed residents) by ZIP code area (2024). Retrieved 2026-09-29.
  12. U.S. Census Bureau, ZIP Code Tabulation Area relationship files (2020; Connecticut 2022) and Gazetteer locations (2025) (2025). Retrieved 2026-09-29.
  13. U.S. Census Bureau, Cartographic boundary files (ZIP code areas 2020; counties and states 2024) and TIGER/Line primary roads (2024) (2024). Retrieved 2026-09-29.
  14. Internal Revenue Service, Rev. Proc. 2025-32 (2026 tax brackets and standard deduction) (2026). Retrieved 2026-09-29.
  15. Internal Revenue Service, Publication 15 (Circular E), Employer's Tax Guide for 2026 (Social Security and Medicare) (2026). Retrieved 2026-09-29.
  16. U.S. Department of Labor, Employment and Training Administration, O*NET 31.0 Database: Job Titles (used under CC BY 4.0; O*NET is a trademark of USDOL/ETA) (2026). Retrieved 2026-10-14.