Fountain Hills, AZ vs Celina, TX: Cost of Living

Which city costs less?

Celina, TX has a modeled overall cost index 14.3% lower than Fountain Hills, AZ.

Fountain Hills, AZ · modeled 2BR rent: $2,080 / month
Celina, TX · modeled 2BR rent: $2,370 / month

These are saved estimates, not current rental listings. Some cities use adjusted regional data. Your household budget can differ from the overall index. Sources and assumptions

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Cost of Living Comparison 2026

Compare Fountain Hills, AZ and Celina, TX using saved regional data and explicit budgeting assumptions. Rent estimates are not live listings. Change the salary below, then check the source notes before applying a result to your household.

Saved regional estimates · Sources and assumptions

Current salary in Fountain Hills, AZ

Numbers update automatically as you type

Estimated savings: $905/month in Celina, TX

$150,000 in your current city has a modeled equivalent of $139,144 in Celina, TX

Regional cost estimates: Fountain Hills, AZ uses Scottsdale, AZ. Celina, TX uses Plano, TX. Available city ZIP rent estimates are shown separately.

Overall Cost

↓ 14.3%

Less expensive

Monthly Impact

$905

Savings

Annual Impact

$10.9K

Per year

Assumes 60% of current gross income goes to living costs. The headline uses the category budget below; taxes, moving costs and savings goals are excluded.

Fountain Hills, AZ

Population:24K

Cost Index:

118.7

100 = national average

Typical Home:$663K

Celina, TX

Population:43K

Cost Index:

101.7

100 = national average

Typical Home:$538K

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Fountain Hills, AZ

The Grand Canyon State

24K

Population

State Tax

Yes

Located in Arizona, this city has a population of 24K residents.

Celina, TX

The Lone Star State

43K

Population

State Tax

No Income Tax

Located in Texas, this city has a population of 43K residents.

💡 Advantage: Texas has no state income tax!

Cost Breakdown by Category

Estimated monthly spending: Fountain Hills, AZ vs Celina, TX

Assumes 60% of your current gross income is spent on these categories. The headline and totals use this same budget. Rent estimates below are separate reference data. Rounded amounts may differ by $1.

Category	Fountain Hills, AZ	Celina, TX	Difference	Change
Housing	$2,790/mo	$2,010/mo	↓ $780less	28.0%
Transportation	$1,242/mo	$1,093/mo	↓ $149less	12.0%
Other	$1,676/mo	$1,622/mo	↓ $53.70less	3.2%
Healthcare	$504/mo	$544/mo	↑ $39.83more	7.9%
Groceries	$821/mo	$842/mo	↑ $21.30more	2.6%
All Utilities	$468/mo	$484/mo	↑ $16.44more	3.5%

Housing

↓ 28.0%

Fountain Hills, AZ

$2,790

Celina, TX

$2,010

Difference

$780

less

Transportation

↓ 12.0%

Fountain Hills, AZ

$1,242

Celina, TX

$1,093

Difference

$149

less

Other

↓ 3.2%

Fountain Hills, AZ

$1,676

Celina, TX

$1,622

Difference

$53.70

less

Healthcare

↑ 7.9%

Fountain Hills, AZ

$504

Celina, TX

$544

Difference

$39.83

Groceries

↑ 2.6%

Fountain Hills, AZ

$821

Celina, TX

$842

Difference

$21.30

All Utilities

↑ 3.5%

Fountain Hills, AZ

$468

Celina, TX

$484

Difference

$16.44

🏠Rent Comparison

Studio

From$1,650

To$1,940

↑ $290

1 Bed

From$1,790

To$2,020

↑ $230

2 Bed

From$2,080

To$2,370

↑ $290

3 Bed

From$2,770

To$2,980

↑ $210

Fountain Hills, AZZIP-level data

1BR range: $1,790–$1,790/mo

Celina, TXZIP-level data

1BR range: $2,020–$2,020/mo

💡 Note: HUD Fair Market Rents estimate 40th-percentile gross rents, including most tenant-paid utilities. City ZIP summaries are medians of those estimates, not market median rents. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$7,500

Monthly in Fountain Hills, AZ

$6,595

Monthly in Celina, TX

$905

Difference

Home Values

Fountain Hills

Celina

$663K

Median Value

$538K

↑ +0.8%

YoY Change

↓ -7.5%

↑ +37.4%

5-Year Change

↑ +41.7%

Homes in Celina are 19% less expensive than Fountain Hills

Calculate payment - Fountain Hills Calculate payment - Celina

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $5.2K

Per year

Monthly Difference

$436

More take-home

Effective Rate Diff

3.5%

Rate difference

Fountain Hills, 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

Celina, TX

Federal Income Tax

Effective: 18.9%

$25.5K

Texas State Tax

No state income tax

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 24.7%

$37.0K

Take-Home Pay

$9,416/month

$113.0K

Additional Tax Information

Fountain Hills, AZ Tax Rates

Sales Tax:8.5%

Property Tax:0.6%

Celina, TX Tax Rates

Sales Tax:8.2%

Property Tax:1.8%

💡 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.

Environment

Fountain Hills

Celina

77 Moderate

Air Quality

40 Good

Good Air Days

77.5%

100 Very High

Climate Risk

99 High

🔥🌊🌡

Top Hazards

🌊🌡🌪

▲+2.7°F

2050 Outlook

▲+2.7°F

161 days

Heat Days >95°F

81 days

▲+2.7°F

2050 Outlook

▲+2.7°F

161 days

Heat Days >95°F

81 days

Before moving from Fountain Hills, AZ to Celina, TX

Use this comparison to shortlist a move, then check the costs that depend on your household.

Compare actual homes. Get current quotes in Celina, TX for the same bedroom count and included utilities as your home in Fountain Hills, AZ. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
Confirm your income. Check your expected pay with your employer, including any location adjustment. Use “Different salary at destination?” above to compare two incomes. The budget model excludes taxes and one-time moving costs; it is not a take-home-pay calculation.
Price your daily routine. Check the commute from a specific address to work, school or childcare. Add household expenses missing from this model, such as childcare, debt payments and medical needs. Verify local services before signing a lease.
Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Fountain Hills to Celina moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to Celina, TX by cost, housing, population and region.

Frequently Asked Questions: Fountain Hills, AZ vs Celina, TX

How do the cost estimates for Fountain Hills, AZ and Celina, TX compare?

Celina, TX has a modeled overall cost index 14.3% lower than Fountain Hills, AZ. This is a broad model comparison, not a survey of today's prices or a forecast of your household spending. Some cities use adjusted regional fallback data.

What does the equivalent salary mean?

At a $150,000 salary in Fountain Hills, AZ, the model estimates $139,144 in Celina, TX. It allocates 60% of gross income to the origin city’s category budget and applies each destination category’s relative cost. The equivalent salary adds the total category difference to your income. The monthly difference is the same category difference divided by 12; it is not take-home pay or guaranteed savings. Household size, childcare and your actual lease are not inputs to this calculation.

What rent estimates are available for Fountain Hills, AZ and Celina, TX?

The modeled two-bedroom rents are $2,080/month in Fountain Hills, AZ and $2,370/month in Celina, TX. Where available, the source is a city median of HUD FY2026 ZIP-level estimates; otherwise a saved metro table is used. City adjustments may also apply. These are not asking rents or available listings. Compare actual properties with the same bedroom count and included utilities.

How should I use this comparison before moving?

Use it to shortlist locations, then replace modeled costs with a current housing quote, employer-confirmed income, commute costs, insurance and your household's other expenses. Add one-time moving costs separately. Source years differ and the saved datasets are not a live price feed. Read the methodology for the formulas and fallback rules.

💰 See how taxes change too — compare take-home pay between Arizona and Texas on TaxTakeHome.com