Is Phoenix, AZ cheaper than Camarillo, CA?

Based on cost of living data, Phoenix, AZ is 27.6% cheaper than Camarillo, CA. This translates to saving $2073 per month.

What salary do I need in Phoenix, AZ to live like I do in Camarillo, CA?

If you earn $150,000 in Camarillo, CA, you'd need approximately $125,125.442 in Phoenix, AZ to maintain the same standard of living.

How does housing cost compare between Camarillo, CA and Phoenix, AZ?

Housing in Phoenix, AZ is 40.2% cheaper than in Camarillo, CA. For a two-bedroom apartment, rent is $1,750/month in Phoenix, AZ compared to $2,628/month in Camarillo, CA.

How much can I save per month by moving from Camarillo, CA to Phoenix, AZ?

Moving from Camarillo, CA to Phoenix, AZ could save you approximately $2073 per month, or $24875 per year, based on a $150,000 salary.

Camarillo, CA vs Phoenix, AZ: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Camarillo, CA — ZIP-level rent data · COL adjusted from Oxnard, CA area

Current salary in Camarillo, CA

Numbers update automatically as you type

You'd save $2.1K/month moving to Phoenix, AZ

$150.0K in your current city equals $125.1K in Phoenix, AZ

Rent data from HUD ZIP-level estimates · COL index from Los Angeles-Long Beach-Anaheim, CA area

Overall Cost

↓ 27.6%

Less expensive

Monthly Impact

$2,073

Savings

Annual Impact

$24.9K

Per year

Based on monthly living costs (rent, groceries, utilities, transport, healthcare). Home purchase prices shown separately below.

Camarillo, CA

Population:70K

Cost Index:100

Median Home:$900K

Phoenix, AZ

Population:1608K

Cost Index:72

Median Home:$414K

Camarillo, CA

The Golden State

70K

Population

State Tax

Yes

Located in California, this city has a population of 70K residents.

Phoenix, AZ

The Grand Canyon State

1.6M

Population

State Tax

Yes

Climate

Hot desert

Notable Facts

•Fastest growing major city
•Desert metropolis
•Spring training capital

Major Industries

TechnologyHealthcareTourismManufacturing

Cost Breakdown by Category

Annual spending: Camarillo, CA vs Phoenix, AZ

Category	Camarillo, CA	Phoenix, AZ	Difference	Change
🏠Housing	$4,661/mo	$2,788/mo	↓ $1,872less	40.2%
🚗Transportation	$2,108/mo	$1,489/mo	↓ $619less	29.4%
📦Other	$1,930/mo	$1,677/mo	↓ $252less	13.1%
🛒Groceries	$1,027/mo	$963/mo	↓ $63.83less	6.2%
🏥Healthcare	$545/mo	$589/mo	↑ $43.60more	8.0%
⚡All Utilities	$551/mo	$561/mo	↑ $10.32more	1.9%

🏠Housing

↓ 40.2%

Camarillo, CA

$4,661

Phoenix, AZ

$2,788

Difference

$1,872

less

🚗Transportation

↓ 29.4%

Camarillo, CA

$2,108

Phoenix, AZ

$1,489

Difference

$619

less

📦Other

↓ 13.1%

Camarillo, CA

$1,930

Phoenix, AZ

$1,677

Difference

$252

less

🛒Groceries

↓ 6.2%

Camarillo, CA

$1,027

Phoenix, AZ

$963

Difference

$63.83

less

🏥Healthcare

↑ 8.0%

Camarillo, CA

$545

Phoenix, AZ

$589

Difference

$43.60

⚡All Utilities

↑ 1.9%

Camarillo, CA

$551

Phoenix, AZ

$561

Difference

$10.32

🏠Rent Comparison

Studio

From$1,951

To$1,390

↓ $561

1 Bed

From$2,196

To$1,510

↓ $686

2 Bed

From$2,628

To$1,750

↓ $878

3 Bed

From$3,562

To$2,330

↓ $1,232

Camarillo, CAZIP-level data

1BR range: $2,400–$2,890/mo

Phoenix, AZZIP-level data

1BR range: $1,300–$2,380/mo

💡 Note: Rent prices are based on HUD Fair Market Rent data and represent median costs. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$10,821

Monthly in Camarillo, CA

$8,068

Monthly in Phoenix, AZ

$2,754

Difference

Home Values

Camarillo

Phoenix

$900K

Median Value

$414K

↓ -0.4%

YoY Change

↓ -3.1%

↑ +27.1%

5-Year Change

↑ +30.2%

$898K - $903K

Price Range

$274K - $957K

Homes in Phoenix are 54% less expensive than Camarillo

Calculate payment - Camarillo Calculate payment - Phoenix

Source: Zillow Home Value Index (ZHVI), January 2026

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $5.4K

Per year

Monthly Difference

$449

More take-home

Effective Rate Diff

3.6%

Rate difference

Camarillo, CA

Federal Income Tax

Effective: 18.9%

$25.5K

California State Tax

Effective: 7.1%

$10.6K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 31.8%

$47.6K

Take-Home Pay

$8,530/month

$102.4K

Phoenix, AZ

Federal Income Tax

Effective: 18.9%

$25.5K

Arizona State Tax

Effective: 3.5%

$5.2K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 28.2%

$42.2K

Take-Home Pay

$8,979/month

$107.8K

Additional Tax Information

Camarillo, CA Tax Rates

Sales Tax:10.5%

Property Tax:0.8%

Phoenix, AZ Tax Rates

Sales Tax:8.5%

Property Tax:0.6%

💡 Note: Tax calculations are estimates based on 2024/2025 tax brackets for single filers with standard deduction. Actual taxes may vary based on filing status, deductions, credits, and local variations.