Arizona vs Colorado Paycheck Comparison 2026
Annual salary
Annual salary
Additional options (filing status, deductions)
$1,110 /yr more take-home in Arizona
$93/mo · $43 a paycheck.
Arizona
Colorado
$60,111/yr in Arizona vs $59,001/yr in Colorado.
Arizona
Take-home per paycheck
$2,311.97
$60,111/yr · 26x/yr
Tax rates
Colorado
Take-home per paycheck
$2,269.27
$59,001/yr · 26x/yr
Tax rates
What this paycheck affords in Arizona vs Colorado
Sized off $5,009/mo take-home in Arizona and $4,917/mo in Colorado. Every figure below is a spending rule of thumb, not a tax rule.
Purchasing power
$56,187 is what Arizona take-home is worth at Colorado prices
Against $59,001 actually paid in Colorado, leaving Colorado $2,814/yr ahead once cost of living is taken off.
Rent
$259 /mo more for a two-bedroom in Arizona
$1,782/mo in Arizona, $1,523/mo in Colorado.
The average two-bedroom takes 36% of take-home in Arizona and 31% in Colorado — a stretch in both.
Buying a home
$135,000 more for the median home in Colorado
$395,000 in Arizona, $530,000 in Colorado.
The median home is 1.4× what this salary supports in Arizona and 1.8× in Colorado. Lenders size a mortgage off gross pay, so the budgets start from $75,000 at a 28% debt-to-income ratio, 6.75% over 30 years, each with its own state property tax rate.
What's left each month
$214 /mo more left over in Colorado
Arizona has $772/mo spare; Colorado has $986/mo spare.
Both paychecks cover the local average for everything. Splitting rent with one roommate would free up $891/mo in Arizona and $762/mo in Colorado.
Monthly cost by expense class
Every class on one scale, so housing's share of the month stays visible. Housing is the measured average two-bedroom; the rest are BLS Consumer Expenditure Survey averages moved by each state's cost-of-living index.
Other costs
| Cost | Arizona | Colorado |
|---|---|---|
| Regular gas | $3.97/gal | $3.53/gal |
| Electricity | $113/mo | $107/mo |
| Infant childcare | $1,302/mo | $1,820/mo |
Childcare sits outside the budget above because it applies to some households and not others — on its own it is 26% of take-home in Arizona and 37% in Colorado.
Sources: MERIC/C2ER Cost of Living Index (2025), AAA Fuel Gauge Report (2025), EIA State Electricity Profiles (2024), Child Care Aware of America (2024), Zillow Home Value Index (2025), BEA Regional Price Parities (2024)
Estimate based on 2026 tax rates and standard deductions. Does not include local taxes, itemized deductions, tax credits, or other individual circumstances.
Tax system comparison
Arizona: Arizona has a flat state income tax of 2.50%. All taxable income is taxed at the same rate.
Colorado: Colorado has a flat state income tax of 4.40%. All taxable income is taxed at the same rate.
Take-home pay at different salaries (single filer, 2026)
| Salary | Arizona take-home | Colorado take-home | Difference |
|---|---|---|---|
| $50,000 | $41,499 | $40,863 | + $635 |
| $75,000 | $60,111 | $59,001 | + $1,110 |
| $100,000 | $77,074 | $75,488 | + $1,585 |
| $150,000 | $110,435 | $107,899 | + $2,535 |
| $200,000 | $144,321 | $140,835 | + $3,485 |
| $300,000 | $208,071 | $202,685 | + $5,385 |
Positive values mean higher take-home in Arizona. Assumes single filer, no deductions.
FAQ
Which state has lower taxes, Arizona or Colorado?
At a $100,000 salary, Arizona results in $1,585 more annual take-home pay. Arizona has a flat state income tax of 2.50%. All taxable income is taxed at the same rate. Colorado has a flat state income tax of 4.40%. All taxable income is taxed at the same rate.
How much more do you take home in Arizona vs the other state?
The difference depends on salary. At $50,000, the gap is $635/yr. At $150,000, it grows to $2,535/yr. At $300,000, the difference is $5,385/yr.
Do Arizona and Colorado have the same federal taxes?
Yes. Federal income tax, Social Security, and Medicare are the same in every state. Only state income tax differs. This calculator shows the combined effect of federal and state taxes on your take-home pay.
Is it cheaper to live in Arizona or Colorado?
Arizona is cheaper to live in. Cost of living in Arizona is 7% lower than in Colorado. Arizona's Regional Price Parity is 97.5 and Colorado's is 105.1 (US average = 100).
Is Arizona cheaper than Colorado?
Yes. Arizona has a lower cost of living than Colorado (index 97.5 vs 105.1). Housing is typically the biggest difference between the two states.
Is Colorado more expensive than Arizona?
Yes. Colorado has a higher cost of living (index 105.1) compared to Arizona (index 97.5). The national average is 100. Housing costs are typically the largest driver of the difference.
After cost of living, which state is actually cheaper?
At a $100,000 salary, take-home pay of $77,074 in Arizona has the purchasing power of $71,500 in Colorado terms. Conversely, $75,488 in Colorado equals $81,373 in Arizona terms. After adjusting for both taxes and cost of living, Colorado comes out ahead.
Arizona vs Colorado cost of living — what's the difference?
The overall cost of living is 8% different between Arizona and Colorado. Living costs are about 3% below the national average Living costs are 5% above the national average After taxes and cost of living, Colorado gives you more purchasing power on a $100,000 salary.
Do I need to file state tax returns in both Arizona and Colorado?
Arizona requires residents to file a state income tax return annually, typically due April 15. Colorado requires residents to file a state income tax return annually, typically due April 15. If you move between states mid-year, you typically file a part-year resident return in each state for the income earned while living there. Each state has its own tax return form — check your state's department of revenue website for the correct form and e-filing options.
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- Pay Raise Calculator — See how a raise changes your take-home pay
- Gross-Up Calculator — Find the salary you need to hit a target take-home
- Salary to Hourly Converter — Convert annual salary to hourly rate
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Arizona Paycheck Estimator · Colorado Paycheck Estimator · All states