Is Scottsdale Expensive to Live?

I’ve been living in Scottsdale for the past several years, and if there’s one question I get asked the most by friends or family thinking of moving here, it’s this: is Scottsdale expensive to live? And honestly, the answer really depends on your lifestyle and what you’re used to. Compared to many cities across the country, especially those in the Midwest or even parts of the South, Scottsdale definitely leans toward the pricier side. The housing market alone can be a wake-up call.

But here’s the thing, Scottsdale isn’t just another city. It’s a lifestyle. You’re paying for sunshine year-round, safe and scenic neighborhoods, access to some of the best golf courses in the country, vibrant nightlife, and an impressive food scene. So yes, some things cost more here, but in return, you get a quality of life that’s tough to match. Here, I’ll break down the true cost of living in Scottsdale and help you decide whether the city’s price tag fits your budget and goals.

Is It Expensive?

Housing Market Overview

Housing is often the most significant expense for residents. In Scottsdale, the median home price as of February 2025 stands at approximately $1,167,500, reflecting a 1.1% increase from the previous year. This upward trend indicates a competitive real estate market, driven by demand for the city’s amenities and lifestyle.

For renters, the scenario is similarly steep. The average rent for a one-bedroom apartment is around $1,800, which is about 15% higher than the national average. High-end neighborhoods like McCormick Ranch and Via Linda Corridor contribute to these elevated rates. In short, is Scottsdale expensive to live in when it comes to housing? Absolutely.

Utilities and Essential Services

Utility costs in Scottsdale are relatively moderate compared to housing. Residents can expect to pay about $280 monthly for electricity, totaling $3,360 annually. Water and sewer services are based on usage, with rates determined by meter size and consumption.

When you combine utility bills with housing, the question is, Is Scottsdale expensive to live in? It starts to make more sense, it’s not just about rent or mortgage, but your whole monthly budget.

Food and Dining

Dining in Scottsdale ranges from affordable eateries to upscale restaurants. A meal at an inexpensive restaurant averages around $19, while a three-course meal for two at a mid-range restaurant can cost approximately $80. Grocery prices are slightly above the national average, reflecting the city’s overall cost of living.

Residents who cook at home can manage food expenses more effectively, but those who frequently dine out should anticipate higher monthly food costs. Exploring local farmers’ markets and discount grocery stores can also offer savings.

Healthcare and Wellness

Scottsdale boasts a robust healthcare system, with numerous hospitals and specialized clinics. Healthcare costs are generally 5% lower than the national average, making medical services relatively affordable. Additionally, the city’s emphasis on wellness is evident in its plethora of spas, fitness centers, and outdoor recreational opportunities.

For retirees, Scottsdale’s healthcare infrastructure is a significant draw, contributing to its reputation as a top retirement destination. Access to quality care and wellness amenities enhances the overall living experience.

Entertainment and Leisure

Scottsdale offers a vibrant cultural scene, with art galleries, theaters, and music venues. Outdoor enthusiasts can enjoy over 200 golf courses, hiking trails, and parks. While many recreational activities are free or low-cost, some, like golf memberships or event tickets, can add to monthly expenses.

Residents seeking an active social life should budget accordingly, balancing free community events with paid entertainment options. To anyone enjoying Scottsdale’s leisure lifestyle, it’s easy to see how someone would ask, is Scottsdale expensive to live, especially when premium entertainment becomes part of your regular routine.

Education and Childcare

For families, education and childcare are critical considerations. Scottsdale is home to reputable public and private schools, with some areas boasting top-rated institutions. Childcare costs vary, with full-time daycare averaging around $1,000 to $1,500 per month, depending on the provider and age of the child.

Higher education opportunities are also accessible, with institutions like Scottsdale Community College offering affordable programs. Investing in education is a significant expense but contributes to long-term benefits for families.

Taxes and Financial Considerations

Arizona has a relatively low tax burden, with a state income tax ranging from 2.59% to 4.50%. Property taxes in Scottsdale are also modest, averaging around 0.62% of a home’s assessed value RentCafe. These factors can offset some of the higher living costs, providing financial relief to residents.

However, it’s essential to consider other expenses, such as insurance premiums and potential homeowners association (HOA) fees, which can vary widely across different neighborhoods. Comprehensive financial planning is advisable for prospective residents.

Comparing Scottsdale to Nearby Cities

When comparing Scottsdale to surrounding cities like Phoenix, Tempe, or Mesa, the cost differences become more evident. Scottsdale typically tops the charts in housing and dining expenses. For instance, the median home price in Phoenix hovers around $410,000, significantly lower than Scottsdale’s $1M+ average.

Despite higher prices, Scottsdale offers a more upscale environment, lower crime rates, and a greater concentration of luxury services and amenities. So again, is Scottsdale expensive to live compared to its neighbors? Undeniably. But it also offers a more luxurious and secure environment, which justifies the price tag for many.

Is It Worth the Premium?

Many people wonder whether the high cost of living in Scottsdale is justifiable. From a lifestyle perspective, it often is. Residents enjoy world-class golf courses, top-notch healthcare, a lively arts scene, and year-round sunshine. These benefits contribute to a high quality of life that many feel is worth the extra expense. That said, anyone considering a move should weigh their personal priorities. If budget-friendliness is key, Scottsdale might be a stretch. But if you’re looking for luxury and livability rolled into one desert gem, the costs may feel entirely justified.

Before settling in, it’s smart to talk with local Scottsdale movers who know the area well, we can offer helpful insights on affordable neighborhoods and streamline your relocation to make the transition as smooth as possible. Known for our reliability and local expertise, we specialize in both residential and commercial moves, making the entire process less stressful from start to finish. Whether you’re coming from across the country or just moving from Phoenix to Scottsdale, we offer tailored solutions to fit your schedule and budget, ensuring your move is smooth, efficient, and worry-free.