Surprise, AZ vs. Peoria, AZ: Cost of Living Comparison (2025)
This article provides a cost of living comparison: Surprise vs Peoria. It is perfect for families relocating, professionals choosing between job offers, or anyone comparing the real-life cost of Surprise vs Peoria in 2025.
1. Housing Costs
Housing is often the biggest factor in cost of living. Here’s how Surprise and Peoria compare for typical options:
| Housing Type | Surprise | Peoria |
|---|---|---|
| 2BR Apartment (Monthly Rent) | $1,450 | $1,600 |
| 3BR House (Median Price) | $450,000 | $475,000 |
🏆 Winner: Surprise
Surprise offers slightly lower housing costs across the board, with apartments renting for around $150 less per month and median home prices about $25,000 lower than in Peoria.
2. Utilities and Energy Costs
Utility bills are a major expense for Phoenix area residents, especially in the summer months. Here’s what to expect in each city:
- Surprise: $180-$250/month (winter), $300-$450/month (summer)
- Peoria: $200-$275/month (winter), $325-$500/month (summer)
Both cities offer energy-saving programs and off-peak plans to help manage costs. However, Surprise’s utility rates tend to be 5-10% lower on average.
🏆 Winner: Surprise
3. Groceries and Daily Expenses
The cost of groceries, dining out, and everyday goods are fairly comparable between Surprise and Peoria. Expect to spend around $400-$600 per month for a typical family in either city.
One notable difference is that Peoria has slightly more upscale dining and shopping options, which can mean higher prices for those experiences. But for basic living expenses, the two cities are neck and neck.
🏆 Winner: Tie
4. Taxes and Fees
Arizona charges a flat 2.5% property tax across the state. However, city-specific fees and HOA costs can vary:
- Surprise: 0.7% city sales tax, $100-$300/month HOA fees common
- Peoria: 1.8% city sales tax, $150-$350/month HOA fees common
In Surprise, HOA fees often include landscaping and trash pickup. Peoria has higher sales taxes but a wider range of non-HOA neighborhoods.
🏆 Winner: Surprise
5. Cost Summary Table
| Category | Surprise | Peoria |
|---|---|---|
| Housing (3BR House) | $450,000 | $475,000 |
| Utilities (Monthly) | $180-$450 | $200-$500 |
| Groceries (Monthly) | $400-$600 | $400-$600 |
| Transportation (Monthly) | $60-$80 | $60-$80 |
| Taxes (Annual Property Tax) | 2.5% | 2.5% |
| Misc Fees (HOA, Monthly) | $100-$300 | $150-$350 |
| Estimated Monthly Total | $3,100 in Surprise | $3,400 in Peoria |
These totals are based on gross monthly income (pre-tax) and represent a typical household budget in each city. Of course, your specific cost of living will depend on your unique lifestyle, housing choices, and income.
6. Lifestyle Fit
While the cost of living is important, so is the everyday lifestyle and vibe of the city you choose. A few key differences:
- Surprise offers a quieter, more suburban feel with larger yards and more open space
- Peoria has a mix of suburban and urban areas, with more walkable districts and closer proximity to Phoenix proper
- Peoria averages 5°F cooler than Surprise in the peak of summer thanks to the cooling effect of Lake Pleasant
- Commute times are 10-15% longer from Surprise than Peoria to most of the Phoenix metro
7. FAQ
Is Surprise more affordable than Peoria?
Yes, Surprise has a lower overall cost of living, primarily due to cheaper housing, lower taxes, and slightly lower utilities.
Which city has lower rent?
Surprise has lower rent, with a typical 2BR apartment costing $1,450/month vs. $1,600/month in Peoria.
Where is it cheaper to buy a home?
Surprise has a lower median home price of $450,000 for a 3BR house, compared to $475,000 in Peoria.
8. Conclusion
Both Surprise and Peoria offer a high quality of life in the Phoenix metro area, but Surprise comes out ahead on affordability. A household moving from Peoria to Surprise might save $300/month or more on core living expenses.
Surprise is ideal for those who prioritize space, quiet, and cost-effectiveness. Peoria may be worth the premium for those who value a more central location, urban amenities, and proximity to the city.
Ultimately, the right choice depends on your budget, lifestyle, and personal preferences. Be sure to check out our other cost of living resources for Surprise and example monthly budgets to help inform your decision.