Cost of Living in Surprise, AZ
Updated November 2026 · Maricopa County · Phoenix-Mesa-Chandler, AZ metro area · population 154,948
Prices in Surprise are 7.7% above the US average (local index 107.7; the BEA index for the Phoenix-Mesa-Chandler, AZ metro area is 103.3), with local housing the biggest cost driver at 141.7; a single adult's modelled budget is about $3,207 a month and the median rent is $2,033.
Prices by category
CostLiving local estimate. 100 = US average; 110 means prices are 10% higher. Housing reflects Surprise's own median rent compared with the area's average rent; goods, utilities and other services are BEA's official price parities for the Phoenix-Mesa-Chandler, AZ metro area, unchanged.
Surprise price index by category, US average = 100: All items 107.7, Housing (rents) 141.7, Goods 95.0, Utilities 93.3, Other services 104.0
It is the 4th most expensive of the 24 Arizona cities in our data. More expensive than 69% of the cities we cover.
| BEA index | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|
| All items | 100.0 | 102.8 | 99.1 | 103.9 | 104.7 | 103.3 |
Monthly budget by household type
1 adult · 1-bedroom · modelled estimate for Surprise, AZ
| Category | Per month | Per year | Share |
|---|---|---|---|
| Housing (rent) | $1,463 | $17,556 | 46% |
| Utilities | $259 | $3,108 | 8% |
| Food at home | $268 | $3,216 | 8% |
| Transportation | $688 | $8,256 | 21% |
| Health care | $366 | $4,392 | 11% |
| Clothing, personal care & supplies | $163 | $1,956 | 5% |
| Total | $3,207 | $38,484 | 100% |
2 adults · 2-bedroom · modelled estimate for Surprise, AZ
| Category | Per month | Per year | Share |
|---|---|---|---|
| Housing (rent) | $1,688 | $20,256 | 34% |
| Utilities | $410 | $4,920 | 8% |
| Food at home | $495 | $5,940 | 10% |
| Transportation | $1,361 | $16,332 | 27% |
| Health care | $678 | $8,136 | 14% |
| Clothing, personal care & supplies | $321 | $3,852 | 6% |
| Total | $4,953 | $59,436 | 100% |
2 adults + 2 children · 3-bedroom · modelled estimate for Surprise, AZ
| Category | Per month | Per year | Share |
|---|---|---|---|
| Housing (rent) | $1,817 | $21,804 | 31% |
| Utilities | $500 | $6,000 | 9% |
| Food at home | $706 | $8,472 | 12% |
| Transportation | $1,812 | $21,744 | 31% |
| Health care | $631 | $7,572 | 11% |
| Clothing, personal care & supplies | $413 | $4,956 | 7% |
| Total | $5,879 | $70,548 | 100% |
Modelled estimate of basic costs, excluding taxes, child care and savings. Housing is rent excluding tenant-paid utilities (counted under utilities). See how the budget is calculated.
Housing costs in Surprise
Rent by number of bedrooms
| Size | Median rent |
|---|---|
| Studio | $1,637 |
| 1 bedroom | $1,681 |
| 2 bedrooms | $1,940 |
| 3 bedrooms | $2,088 |
| 4 bedrooms | $2,446 |
Median rent: Census ACS 2020-2024 median gross rent by bedrooms (rent plus tenant-paid utilities, all renters).
Rent, home values and affordability
| Measure | Value |
|---|---|
| Median gross rent | $2,033 |
| Median contract rent (excl. utilities) | $1,769 |
| Median home value | $435,100 |
| Owner costs with a mortgage | $1,860/mo |
| Median household income | $96,711 |
| Rent as % of renter income Expensive | 32.2% |
| Home value ÷ household income Moderate | 4.5× |
Census ACS 5-year 2020-2024.
Electricity and gas prices
Residential electricity in Arizona
15.05¢ per kWh, August 2026
12-month change: −0.3% (from 15.09¢) · US 18.16¢
Average household uses 1,054 kWh a month in Arizona ≈ $162/month. Source: EIA-861M (statewide average).
Regular gasoline regional figure: West Coast excl. California (PADD 5)
$4.77 per gallon, week of 2026-11-02
12-month change: +25.9% (from $3.79) · US $4.15
EIA weekly retail price survey; Arizona is covered by the West Coast excl. California (PADD 5) average.
Inflation in the West
Consumer prices in the West Census region rose +3.4% in the 12 months to September 2026 (US +3.7%). Nationally, food at home changed +1.8%, shelter +3.2% and energy +20.4%. Source: BLS CPI-U, not seasonally adjusted. CPI is published for regions and large metro areas, so the regional figure is shown.
Salary equivalent
Because prices in Surprise are 7.7% above the US average, $60,000 here has the buying power of about $55,700 in an average-priced US area.
Formula: US-equivalent = salary × 100 ÷ 107.7. Based on the local cost index (CostLiving estimate from BEA RPP and Census rents); taxes not included.
Nearby cities
| City | Distance | Index | Budget (single) | Median rent |
|---|---|---|---|---|
| Peoria, AZ | 11 mi | 105.3 | $3,276 | $1,843 |
| Glendale, AZ | 18 mi | 101.3 | $2,863 | $1,528 |
| Buckeye, AZ | 20 mi | 106.8 | $3,208 | $1,963 |
| Phoenix, AZ | 22 mi | 102.0 | $2,906 | $1,582 |
| Avondale, AZ | 26 mi | 105.2 | $3,149 | $1,832 |
| Goodyear, AZ | 29 mi | 106.8 | $3,271 | $1,956 |
Cities with a similar cost of living
| City | Index | Budget (single) | Median rent |
|---|---|---|---|
| Blaine, MN | 107.7 | $2,960 | $1,705 |
| Wesley Chapel, FL | 107.7 | $3,319 | $2,100 |
| Honolulu, HI | 107.7 | $3,496 | $1,823 |
| Redlands, CA | 107.8 | $3,415 | $2,005 |
| Herriman, UT | 107.6 | $3,224 | $2,019 |
| Johns Creek, GA | 107.9 | $3,341 | $2,257 |
Compare Surprise with another city
Frequently asked questions
Is Surprise, AZ an expensive place to live?
Surprise has a local cost of living index of 107.7, which is 7.7% above the US average. This CostLiving estimate starts from the BEA Regional Price Parities 2024 for the Phoenix-Mesa-Chandler, AZ metro area (103.3) and adjusts housing to Surprise's own rents. It is 7.1 points above the Arizona average. It is the 4th most expensive of the 24 Arizona cities in our data. More expensive than 69% of the cities we cover.
How much money do you need to live in Surprise?
Our modelled estimate of basic monthly costs is $3,207 for a single adult, $4,953 for a couple and $5,879 for a family of four, before taxes, child care and savings. A $60,000 salary in an average-priced US area buys about the same as $64,600 in Surprise.
What is the average rent in Surprise?
The median gross rent (rent plus tenant-paid utilities) is $2,033 a month (Census ACS 2020-2024). By size: 1 bedroom $1,681, 2 bedrooms $1,940, 3 bedrooms $2,088. The typical renter spends 32.2% of household income on rent (expensive).
How much does a house cost in Surprise?
The median owner-estimated home value is $435,100, 4.5 times the median household income of $96,711 (moderate). Owners with a mortgage pay a median $1,860 a month in housing costs.
How much is electricity and gas in Surprise?
Arizona residential electricity averaged 15.05¢ per kWh in August 2026 (US 18.16¢). Regular gasoline was $4.77 a gallon (West Coast excl. California (PADD 5) average, week of 2026-11-02).
Sources and notes
- Local cost index: CostLiving estimate from BEA Regional Price Parities 2024 for the Phoenix-Mesa-Chandler, AZ metropolitan statistical area (BEA index 103.3) with housing from Census ACS median rent (city figure); see the methodology.
- Rents, home values, income, population: U.S. Census Bureau ACS 5-year 2020-2024, Census place 0471510 (Surprise city).
- Electricity: EIA-861M, Arizona residential average, August 2026.
- Gasoline: EIA weekly retail regular gasoline, West Coast excl. California (PADD 5), week of 2026-11-02.
- Inflation: BLS CPI-U West region, September 2026.
- Budget baselines: BLS Consumer Expenditure Survey 2025; electricity use by household size: EIA RECS 2020.
- Gasoline price: regional figure (EIA publishes weekly prices for only 9 states).
Labels such as “county figure” or “state nonmetro figure” mark values that come from a larger area because the city-level figure is unavailable or unreliable. The monthly budget is a modelled estimate, not observed spending, and excludes taxes. This page is for general information and is not financial advice. Methodology · All sources