Scottsdale vs Surprise
Cost of Living Comparison · 2026
Scottsdale
Surprise
The Verdict
Surprise is 19.4% less expensive than Scottsdale overall. A household earning $75,000 in Scottsdale would need approximately $62,805 in Surprise to maintain the same standard of living.
Category-by-Category Breakdown
Index values · National average = 100 · Lower is more affordable
Salary Equivalence
A $75,000 salary in Scottsdale has the same purchasing power as $62,805 in Surprise.
Conversely, $75,000 in Surprise equals $89,563 in Scottsdale.
Living in Scottsdale vs Surprise
Housing Costs
Scottsdale's housing index of 162 is higher Surprise's 105, translating to median home prices of $580,000 vs $419,000. The $161,000 difference in home prices means roughly $10,464 per year in additional mortgage costs at current rates. Renters face a similar gap: $2,000/mo in Scottsdale compared to $1,575/mo in Surprise, a monthly difference of $425.
Grocery & Food Costs
Grocery expenses index at 103 in Scottsdale and 100 in Surprise. A household spending the national average of $475/month on groceries would pay approximately $489/month in Scottsdale 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 96 in Scottsdale and 102 in Surprise. Monthly utility bills average approximately $384 in Scottsdale vs $408 in Surprise. Utility costs are relatively comparable between these two cities.
Healthcare
Healthcare costs index at 95 in Scottsdale and 97 in Surprise. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. Healthcare costs are relatively similar between these two cities, though individual plan costs can still vary.
Income & Purchasing Power
Median household income is $92,298 in Scottsdale and $85,500 in Surprise. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $75,039 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 $2,154/month to housing in Scottsdale vs $1,995/month in Surprise. In Scottsdale, median rent of $2,000/mo fits within this budget. In Surprise, median rent of $1,575/mo remains manageable. The biggest category-level difference between these two cities is Housing, where the gap is 57 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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