Providence vs Surprise

Category-by-Category Breakdown

Index values · National average = 100 · Lower is more affordable

Salary Equivalence

A $75,000 salary in Providence has the same purchasing power as $70,227 in Surprise.

Conversely, $75,000 in Surprise equals $80,097 in Providence.

Living in Providence vs Surprise

Housing Costs

Providence's housing index of 118 is higher Surprise's 105, translating to median home prices of $310,000 vs $419,000. The $109,000 difference in home prices means roughly $7,080 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,500/mo in Providence compared to $1,575/mo in Surprise, a monthly difference of $75.

Grocery & Food Costs

Grocery expenses index at 105 in Providence and 100 in Surprise. A household spending the national average of $475/month on groceries would pay approximately $499/month in Providence vs $475/month in Surprise. The difference in grocery costs between these cities is relatively minor and unlikely to be a deciding factor in relocation.

Utility Expenses

Utility costs — electricity, gas, water, internet — index at 119 in Providence and 102 in Surprise. Monthly utility bills average approximately $476 in Providence vs $408 in Surprise. Climate differences between the two cities drive much of this gap, with heating and cooling costs varying substantially by region.

Healthcare

Healthcare costs index at 112 in Providence and 97 in Surprise. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. The 15-point gap reflects real differences in provider costs, insurance market competition, and regional healthcare infrastructure.

Income & Purchasing Power

Median household income is $47,012 in Providence and $85,500 in Surprise. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $42,738 and $83,010 respectively. Surprise residents come out ahead in real purchasing power.

Relocation Considerations

Under the standard 28% rule, a median-income household can allocate $1,097/month to housing in Providence vs $1,995/month in Surprise. In Providence, median rent of $1,500/mo exceeds this threshold, suggesting renters may feel stretched. In Surprise, median rent of $1,575/mo remains manageable. The biggest category-level difference between these two cities is Utilities, where the gap is 17 index points — focus your budget analysis there.

Frequently Asked Questions

Moving & Relocation Resources

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