Wondering how far your dollar stretches in Overland Park compared to Surprise? Below we break down housing costs, rent, taxes, income, and quality of life using 2026 data so you can make an informed relocation or remote-work decision. Every number is computed from Census, BLS, and Zillow data specific to these two metro areas.
| Overland Park | Metric | Surprise | Difference |
|---|---|---|---|
| 100 | Cost of Living Index | 100 | +0.0% |
| $395,000 | Median Home Price | $395,000 | +0.0% |
| $1,400 | Median Monthly Rent | $1,550 | +10.7% |
| $92,500 | Median Household Income | $79,500 | -14.1% |
| 1.5% | Property Tax Rate | 0.7% | -53.3% |
| 2.8% | Unemployment Rate | 3.4% | +21.4% |
| 22 min | Average Commute | 30 min | +36.4% |
| 38.5 | Median Age | 37.2 | -3.4% |
| 200,000 | Metro Population | 148,000 | -26.0% |
Data sourced from Census Bureau, BLS, Zillow, and ApartmentAdvisor (2024-2025). COL Index: 100 = national average.
Monthly mortgage assumes 6.5% interest, 30-year fixed, 20.0%down payment. PITI includes principal, interest, property tax, and homeowner's insurance.
Buying a home in Overland Park costs $2,606/month (PITI) compared to $2,343/month in Surprise — a difference of $263/month or $3,156/year. The price-to-income ratio is 4.3x in Overland Park versus 5.0x in Surprise, suggesting Overland Park is relatively more affordable for homebuyers relative to local incomes. At a 15% savings rate, it takes 5.7 years to save a down payment in Overland Park compared to 6.6 years in Surprise.
Estimated on each city's median household income, single filer, standard deduction, 2025 rates.
| Tax Category | Overland Park | Surprise |
|---|---|---|
| Gross Income | $92,500 | $79,500 |
| State Income Tax | $4,362 | $1,613 |
| Federal Income Tax | $11,799 | $8,939 |
| FICA (SS + Medicare) | $7,076 | $6,082 |
| Property Tax (on median home) | $5,925/yr | $2,765/yr |
| State Sales Tax Rate | 6.5% | 5.6% |
| Total Tax Burden | $23,237 (25.1%) | $16,634 (20.9%) |
| Take-Home Pay | $69,263 | $62,867 |
On median household income, total taxes (federal + state + FICA) come to $23,237 in Overland Park (25.1% effective) versus $16,634 in Surprise (20.9% effective). After taxes, take-home pay is $69,263 in Overland Park and $62,867 in Surprise. Property taxes add $5,925/year on the median Overland Park home versus $2,765/year in Surprise.
These figures adjust for cost of living using the formula: adjusted = salary × (COL_destination / COL_origin). If you earn $92,500 in Overland Park (COL 100) and relocate to Surprise (COL 100), you would need $92,500 to maintain the same purchasing power. This means your salary should stay roughly the same.
Beyond costs, quality of life matters. The average commute in Overland Park is 22 minutes versus 30 minutes in Surprise, a difference of 8 minutes each way. Overland Park's lower unemployment rate of 2.8% versus 3.4% suggests a stronger job market. Overland Park skews slightly older with a median age of 38.5 vs 37.2 in Surprise.
Overland Park and Surprise have very similar costs of living, with COL indices of 100 and 100 respectively (national average = 100). Day-to-day expenses, housing, and taxes are comparable between the two metro areas.
The median home price in Surprise is $395,000, which is $0 more than Overland Park's median of $395,000. Monthly rent follows a similar pattern: $1,550/month in Surprise vs $1,400/month in Overland Park, a difference of $150/month or $1,800/year.
To maintain the same standard of living, a $92,500 salary in Overland Park is equivalent to $92,500 in Surprise. This is based on the cost of living index ratio: Overland Park's COL index of 100 vs Surprise's 100. Conversely, $79,500 in Surprise equals $79,500 in Overland Park.
On a median household income, the combined federal, state, and FICA tax burden is $23,237 (25.1% effective rate) in Overland Park vs $16,634 (20.9% effective rate) in Surprise. Property taxes on the median home are $5,925/year in Overland Park (1.5% rate) vs $2,765/year in Surprise (0.7% rate). Sales tax rates are 6.5% in Kansas and 5.6% in Arizona.
Overland Park median household income: $92,500/yr. Surprise median household income: $79,500/yr (Census ACS).
Median monthly rent: $1,400 in Overland Park vs $1,550 in Surprise. Annualized that is $16,800 vs $18,600.
Overland Park offers a lower cost of living (index 100 vs 100), which lets remote-workers keeping a coastal salary stretch further. Surprise typically wins on amenities and labor-market depth.
Overland Park and Surprise numbers are pulled from Zillow ZHVI/ZORI (home values, rent), the U.S. Census Bureau ACS (income, demographics), and BEA RPP (cost-of-living index). Each value is timestamped on the page.
Source feeds (Zillow, Freddie Mac PMMS, Census ACS, BEA RPP) are refreshed on their native cadence. Page caches revalidate every 24 hours via Next.js ISR.
No. The Overland Park vs Surprise cost-of-living page is educational reference using public data and standard formulas. It is not personalized tax, legal, or investment advice. Consult a licensed professional for material decisions.
Home prices use Zillow Home Value Index (ZHVI)[1]; rents use Zillow Observed Rent Index (ZORI)[1]. Median household income comes from the Census ACS 5-year estimates[2].
COL indices use the BEA Regional Price Parity methodology[3], normalized so 100 = national average.
Property tax rates are effective rates from the Tax Foundation[4], expressed as % of owner-occupied home value. Mortgage estimates assume 6.5% fixed rate[5], 30-year term, 20.0% down, $1,800/yr homeowners insurance.
Federal tax calculations[6] assume single filer, standard deduction. State tax uses the top marginal rate times taxable income after the state standard deduction. FICA = 6.2% Social Security (up to wage base) + 1.45% Medicare.
Salary equivalence uses adjusted = salary × (COL_destination / COL_origin). This captures cost-of-living shift but not state income tax differences.
Unemployment figures are the most recent monthly MSA-level readings from the BLS LAUS series[7].
Last reviewed is computed from the maximum retrievedAt across every source this page consumes.
City data from Census Bureau[2], BLS[7], and Zillow[1] (2024-2025). Tax calculations use 2025 IRS rates[6], single filer, standard deduction. Mortgage estimates assume 6.5% PMMS rate[5], 30-year term, 20.0% down. COL Index: 100 = national average[3]. Last reviewed .