Last update: Oct 2026 United States 143.1K

Cost of Living in Surprise, AZ

For one person, living costs in Surprise, AZ are estimated at $1,301 a month, including rent and utilities – 52% below the national average. Rent and utilities take less than a third of the total.

Monthly Cost of Living

How much you'll spend in Surprise, AZ

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Surprise, AZ actually costs, broken down by who's living it.

Living costs for one person come to about $1,301 monthly including rent, or $1,107 excluding housing.

$1,301 /mo

Estimated monthly costs for a couple: $3,613 with rent, or $1,912 without housing.

$3,613 /mo

Monthly costs for a family of three come to about $5,926 including rent, or $2,718 for daily expenses alone.

$5,926 /mo
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🍽 Eating Out
Cost
Range
Meal at Budget Restaurant
$20.11 $20.11
$13.07 $13.07
$45.24 $45.24
Three-Course Dinner for Two, Mid-Range
$86.5 $86.5
$61.1 $61.1
$127 $127
Fast Food Meal (McDonalds, etc)
$13.13 $13.13
$10.10 $10.10
$15.15 $15.15
Cappuccino
$6.18 $6.18
$4.03 $4.03
$8.06 $8.06
Coke/Pepsi/Fanta/Sprite (0.33 liter bottle)
$2.76 $2.76
$2.52 $2.52
$3.55 $3.55
Water (0.33 liter bottle)
$2.44 $2.44
$2.03 $2.03
$3.04 $3.04
Local Beer (0.5 liter draught)
$6.82 $6.82
$3.89 $3.89
$7.79 $7.79
Imported Beer (0.33 liter bottle)
$8.14 $8.14
$6.11 $6.11
$11.20 $11.20
🛒 Groceries & Markets
Cost
Range
Milk (1 liter)
$1.02 $1.02
$0.69 $0.69
$1.38 $1.38
White Bread (500g)
$3.68 $3.68
$2.26 $2.26
$6.80 $6.80
Rice (white) (1kg)
$5.15 $5.15
$2.22 $2.22
$11.12 $11.12
Eggs
$4.70 $4.70
$3.03 $3.03
$8.08 $8.08
Local Cheese (1kg)
$13.40 $13.40
$8.75 $8.75
$21.87 $21.87
Chicken Fillets (1kg)
$11.35 $11.35
$4.42 $4.42
$26.53 $26.53
Beef Round Steak (1kg)
$14.86 $14.86
$8.88 $8.88
$22.26 $22.26
Apples (1kg)
$4.63 $4.63
$2.01 $2.01
$9.03 $9.03
Banana (1kg)
$1.95 $1.95
$1.32 $1.32
$4.48 $4.48
Oranges (1kg)
$3.95 $3.95
$2.25 $2.25
$9.02 $9.02
Tomato (1kg)
$4.15 $4.15
$1.93 $1.93
$10.88 $10.88
Potato (1kg)
$2.45 $2.45
$1.29 $1.29
$6.44 $6.44
Onion (1kg)
$2.86 $2.86
$1.53 $1.53
$5.54 $5.54
Lettuce (1 head)
$2.10 $2.10
$1.34 $1.34
$3.97 $3.97
Water (1.5 liter bottle)
$2.10 $2.10
$1.38 $1.38
$3.23 $3.23
Cigarettes 20 Pack (Marlboro, Camel)
$10.84 $10.84
$10.35 $10.35
$11.94 $11.94
Wine (Bottle)
$13.46 $13.46
$7.97 $7.97
$27.91 $27.91
Local Beer (0.5 liter bottle)
$2.42 $2.42
$1.41 $1.41
$3.03 $3.03
Imported Beer (0.33 liter bottle)
$3.25 $3.25
$2.06 $2.06
$6.18 $6.18
🚌 Getting Around
Cost
Range
Taxi Start (Normal Tariff)
$2.78 $2.78
$2.78 $2.78
$5.06 $5.06
Taxi (Normal Tariff) (1km)
$1.36 $1.36
$1.36 $1.36
$1.37 $1.37
Taxi 1hour Waiting (Normal Tariff)
$36.40 $36.40
$36.40 $36.40
$36.40 $36.40
Gasoline (1 liter)
$1.09 $1.09
$0.82 $0.82
$1.23 $1.23
Midsize Hatchback 1.4l (Volkswagen Golf, Toyota Prius, Honda Civic, etc)
$36.1K $36.1K
$27.9K $27.9K
$36.5K $36.5K
Compact Sedan 1.6l (Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)
$25.9K $25.9K
$25.3K $25.3K
$26.8K $26.8K
🧾 Monthly Utilities & Internet
Cost
Range
Utilities for 2 People in 2-bedroom Apartment (Heating, Electricity, Gas, Water, Garbage) (85m2)
$195 $195
$147 $147
$417 $417
SIM Card Monthly Plan (Calls and 10GB+ Data)
$61.5 $61.5
$39.84 $39.84
$99.6 $99.6
Internet (50+ Mbps, Unlimited Data)
$73.7 $73.7
$59.7 $59.7
$119 $119
🎉 Sport & Entertainment
Cost
Range
Gym Membership (Monthly)
$59.7 $59.7
-
Cinema Ticket
$13.17 $13.17
$10.13 $10.13
$15.19 $15.19
🧸 Childcare & Education
Cost
Range
Preschool or Kindergarten, Full Day, Private, 1 Child (Monthly)
$1,121 $1,121
$1,019 $1,019
$2,743 $2,743
International Primary School, 1 Child (Yearly)
$15.8K $15.8K
$15.8K $15.8K
$35.4K $35.4K
👕👟 Clothing & Footwear
Cost
Range
Jeans (Levis 501 Or Similar)
$54.1 $54.1
$29.42 $29.42
$87.3 $87.3
Summer Dress (H&M, Zara, etc)
$43.66 $43.66
$25.20 $25.20
$70.6 $70.6
Sport Shoes (Adidas, Nike)
$97.3 $97.3
$49.53 $49.53
$149 $149
Men's Leather Business Shoes
$114 $114
$49.74 $49.74
$199 $199
🏠 Accommodation & Living
Cost
Range
3-bedroom Apartment, City Center (Monthly)
$2,107 $2,107
-
3-bedroom Apartment, Outside City Center (Monthly)
$3,013 $3,013
-
Buy Apartment Outside City Center (m2)
$1,645 $1,645
-
💵 Salaries & Financials
Cost
Range
Average Monthly Net Salary (After Tax)
$4,368 $4,368
-
20-Year Fixed Mortgage Interest Rate (Annual %)
6.44
6
7.58

CityCost data is based on AI and user input – minor inaccuracies may occur.

Last update: October 17, 2026

Monthly budget structure
Share of the monthly basket for one person, rent included.
Surprise, AZ $1,301
Groceries & Markets
$391
Eating Out
$346
Monthly Utilities & Internet
$330
Clothing & Footwear
$139
Sport & Entertainment
$86
Getting Around
$9.6 *
Accommodation & Living
- *

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

Average take-home pay sits at $4,368, while typical expenses reach $1,301. This leaves solid room for saving and lifestyle spending.

Expect to spend about $391 monthly on groceries. Dining out at a mid-range restaurant costs roughly $87.0 for two.

Cost Highlights

Cappuccino is more expensive than 95% of cities in North America

3-bedroom apartment, outside city center is more expensive than 90% of cities in North America

Good to know
🕒 Local time
18:16 6:16 PM
🌤 Weather
👥 Population
143,148
💱 Currency
📈 Exchange rate
Exchange rates and currency converter

EUR to USD – United States Dollar Converter

United States Dollar exchange rates as of October 22, 2026: 1 EUR = 1.12 USD (1 USD = 0.89 EUR).

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  • Surprise, AZ

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Surprise, AZ Median Internet Speeds (Updated April 2026)

Mobile

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Mbps
Upload
Mbps
Latency
ms

Fixed Broadband

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The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.
Digital Nomad Cost of Living Index
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Cost of Living in Surprise, AZ - Frequently Asked Questions
Is Surprise, AZ generally affordable for travelers, expats, and digital nomads, and who tends to get the best value there compared with other destinations?
Surprise, AZ offers a practical balance for short stays and longer setups. If you're weighing options, Cost of Living in [location] has a reputation for being lower than many coastal metros while still delivering reliable services and amenities. You may notice housing and everyday expenses that feel reasonable for a suburban city near a larger desert metro. Seasonal demands, such as cooling in the hot months, can influence utility costs, but you benefit from a compact layout, short drives, and a community that supports remote work. Tip: start with a short-term rental to test value across neighborhoods.
What does daily life look like in Surprise, AZ when it comes to housing search, groceries, getting around, coworking spaces, and running errands?
For daily life, you'll find housing options from rental homes to apartment complexes, with leases that fit a range of budgets. Grocery options include big-box stores and local markets, offering fresh produce and quick meal solutions. Transportation in Surprise, AZ is car-centered, with reliable roads and ride-hailing as an option; some areas are bike-friendly, especially near newer developments. Co-working spaces in the Phoenix metro area provide reliable Wi-Fi and community events for remote work. In terms of [location] living cost, you'll see a practical balance between rent, groceries, and utilities that shifts with the seasons. Tip: map a few neighborhoods before committing.
What’s the overall quality of life in Surprise, AZ, and what budgeting approach and seasonal factors help you stay flexible and find the right neighborhood fit?
Quality of life here leans on sunshine, outdoor recreation, and a sense of community in family-friendly neighborhoods. A simple budgeting framework, like 50/30/20 for needs, wants, and savings, helps you keep pace with changing utilities and dining options. Save by shopping at bulk stores, cooking at home, and taking advantage of off-peak activity times. Seasonality matters: summers are hot and can raise cooling costs, while milder winters make outdoor living appealing for longer stretches. Neighborhood fit comes from evaluating commute routes, access to parks, and proximity to schools or trails. Tip: visit on weekends to feel the vibe before choosing a base.
Is the cost of living in Surprise, AZ reasonable?
At around $1,301 monthly all-in, Surprise, AZ offers decent value. It's not the cheapest and not the priciest – a good fit for people who want city convenience without capital-level costs.
Is Surprise, AZ affordable on an average income?
Everyday life in Surprise, AZ is moderately priced at about $1,301 per month, rent included. Groceries and transport stay reasonable, though dining out and entertainment can feel a bit pricier than in budget destinations.
What income level supports a comfortable lifestyle in Surprise, AZ?
Earning $1,952 monthly in Surprise, AZ means you're living well – a one-bedroom, regular groceries, transport, and some entertainment without stress. That's the threshold where most residents feel genuinely comfortable rather than just getting by.
How expensive is preschool in Surprise, AZ per month?
Childcare averages $1,121 monthly at a private kindergarten in Surprise, AZ. For many families, this single cost rivals rent, so it's essential to factor in before making a move.
What should I budget for groceries in Surprise, AZ?
At about $391 monthly, food costs in Surprise, AZ sit in moderate territory. A mix of local markets and supermarkets covers most needs at fair prices, and most residents eat well without having to pinch pennies.
Does $2,000 cover living expenses in Surprise, AZ?
Living on $2,000 in Surprise, AZ means careful planning, since monthly costs average $1,301. It works with a cheap apartment and disciplined spending, but expect trade-offs on where you live, how often you eat out, and entertainment.
What are the pros and cons of living in Surprise, AZ?
Living in Surprise, AZ means access to fast internet at about $1,301 per month including rent. It works for a wide range of budgets, and most residents find the lifestyle-to-cost balance appealing. Your experience will depend on priorities like climate, culture, and career.
How much can you save per month in Surprise, AZ?
Monthly expenses in Surprise, AZ run around $1,301, so putting money aside takes more than $1,952 in income. Keeping housing costs low and avoiding lifestyle creep are the keys to building a decent savings rate here.

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