Surprise vs Tyler
Cost of Living Comparison · 2026
Surprise
Tyler
The Verdict
Tyler is 21.2% less expensive than Surprise overall. A household earning $75,000 in Surprise would need approximately $61,893 in Tyler 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 Surprise has the same purchasing power as $61,893 in Tyler.
Conversely, $75,000 in Tyler equals $90,882 in Surprise.
Living in Surprise vs Tyler
Housing Costs
Surprise's housing index of 105 is higher Tyler's 69, translating to median home prices of $419,000 vs $250,000. The $169,000 difference in home prices means roughly $10,980 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,575/mo in Surprise compared to $1,075/mo in Tyler, a monthly difference of $500.
Grocery & Food Costs
Grocery expenses index at 100 in Surprise and 96 in Tyler. A household spending the national average of $475/month on groceries would pay approximately $475/month in Surprise vs $456/month in Tyler. 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 102 in Surprise and 97 in Tyler. Monthly utility bills average approximately $408 in Surprise vs $388 in Tyler. Utility costs are relatively comparable between these two cities.
Healthcare
Healthcare costs index at 97 in Surprise and 93 in Tyler. 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 $85,500 in Surprise and $54,800 in Tyler. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $83,010 and $64,471 respectively. Surprise residents enjoy stronger real purchasing power despite higher nominal wages.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $1,995/month to housing in Surprise vs $1,279/month in Tyler. In Surprise, median rent of $1,575/mo fits within this budget. In Tyler, median rent of $1,075/mo remains manageable. The biggest category-level difference between these two cities is Housing, where the gap is 36 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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