Is Phoenix, AZ cheaper than Fair Oaks, CA?

Based on cost of living data, Phoenix, AZ is 6.1% cheaper than Fair Oaks, CA. This translates to saving $459 per month.

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

If you earn $150,000 in Fair Oaks, CA, you'd need approximately $144,487.858 in Phoenix, AZ to maintain the same standard of living.

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

Housing in Phoenix, AZ is 10.0% cheaper than in Fair Oaks, CA. For a two-bedroom apartment, rent is $1,750/month in Phoenix, AZ compared to $1,478/month in Fair Oaks, CA.

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

Moving from Fair Oaks, CA to Phoenix, AZ could save you approximately $459 per month, or $5512 per year, based on a $150,000 salary.

Fair Oaks, CA vs Phoenix, AZ: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Fair Oaks, CA — COL adjusted from Sacramento, CA area + state data

Current salary in Fair Oaks, CA

Numbers update automatically as you type

You'd save $459/month moving to Phoenix, AZ

$150.0K in your current city equals $144.5K in Phoenix, AZ

Rent data from HUD ZIP-level estimates · COL index from area

Overall Cost

↓ 6.1%

Less expensive

Monthly Impact

$459

Savings

Annual Impact

$5.5K

Per year

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

Fair Oaks, CA

Population:33K

Cost Index:100

Median Home:$460K

Phoenix, AZ

Population:1608K

Cost Index:94

Median Home:$414K

Fair Oaks, CA

The Golden State

33K

Population

State Tax

Yes

Located in California, this city has a population of 33K 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: Fair Oaks, CA vs Phoenix, AZ

Category	Fair Oaks, CA	Phoenix, AZ	Difference	Change
🏠Housing	$3,099/mo	$2,788/mo	↓ $310less	10.0%
🚗Transportation	$1,335/mo	$1,489/mo	↑ $154more	11.5%
🛒Groceries	$1,027/mo	$963/mo	↓ $63.44less	6.2%
⚡All Utilities	$514/mo	$561/mo	↑ $47.40more	9.2%
📦Other	$1,699/mo	$1,677/mo	↓ $21.37less	1.3%
🏥Healthcare	$601/mo	$589/mo	↓ $11.98less	2.0%

🏠Housing

↓ 10.0%

Fair Oaks, CA

$3,099

Phoenix, AZ

$2,788

Difference

$310

less

🚗Transportation

↑ 11.5%

Fair Oaks, CA

$1,335

Phoenix, AZ

$1,489

Difference

$154

🛒Groceries

↓ 6.2%

Fair Oaks, CA

$1,027

Phoenix, AZ

$963

Difference

$63.44

less

⚡All Utilities

↑ 9.2%

Fair Oaks, CA

$514

Phoenix, AZ

$561

Difference

$47.40

📦Other

↓ 1.3%

Fair Oaks, CA

$1,699

Phoenix, AZ

$1,677

Difference

$21.37

less

🏥Healthcare

↓ 2.0%

Fair Oaks, CA

$601

Phoenix, AZ

$589

Difference

$11.98

less

🏠Rent Comparison

Studio

From$998

To$1,390

↑ $392

1 Bed

From$1,158

To$1,510

↑ $352

2 Bed

From$1,478

To$1,750

↑ $272

3 Bed

From$2,077

To$2,330

↑ $253

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.

$8,273

Monthly in Fair Oaks, CA

$8,068

Monthly in Phoenix, AZ

$205

Difference

Home Values

Fair Oaks

Phoenix

Median Value

$414K

YoY Change

↓ -3.1%

5-Year Change

↑ +30.2%

Price Range

$274K - $957K

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

Fair Oaks, 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

Fair Oaks, 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.