Frederick, CO vs Phoenix, AZ: Cost of Living

Which city costs less?

Phoenix, AZ has a modeled overall cost index 2.0% higher than Frederick, CO.

Frederick, CO · modeled 2BR rent: $2,340 / month
Phoenix, AZ · modeled 2BR rent: $1,750 / 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 Frederick, CO and Phoenix, AZ 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 Frederick, CO

Numbers update automatically as you type

Estimated extra cost: $302/month in Phoenix, AZ

$150,000 in your current city has a modeled equivalent of $153,624 in Phoenix, AZ

Regional cost estimates: Frederick, CO uses Denver, CO. Phoenix, AZ uses Phoenix-Mesa-Chandler, AZ Metropolitan Area. Available city ZIP rent estimates are shown separately.

Overall Cost

↑ 2.0%

More expensive

Monthly Impact

$302

Extra cost

Annual Impact

$3.6K

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.

Frederick, CO

Population:18K

Cost Index:

101.2

100 = national average

Typical Home:$497K

Phoenix, AZ

Population:1608K

Cost Index:

103.2

100 = national average

Typical Home:$414K

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Frederick, CO

The Centennial State

18K

Population

State Tax

Yes

Located in Colorado, this city has a population of 18K 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

Estimated monthly spending: Frederick, CO vs Phoenix, AZ

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	Frederick, CO	Phoenix, AZ	Difference	Change
Transportation	$1,300/mo	$1,440/mo	↑ $140more	10.8%
Housing	$2,600/mo	$2,697/mo	↑ $96.52more	3.7%
All Utilities	$481/mo	$543/mo	↑ $61.28more	12.7%
Other	$1,578/mo	$1,622/mo	↑ $44.01more	2.8%
Groceries	$954/mo	$932/mo	↓ $22.95less	2.4%
Healthcare	$586/mo	$569/mo	↓ $16.87less	2.9%

Transportation

↑ 10.8%

Frederick, CO

$1,300

Phoenix, AZ

$1,440

Difference

$140

Housing

↑ 3.7%

Frederick, CO

$2,600

Phoenix, AZ

$2,697

Difference

$96.52

All Utilities

↑ 12.7%

Frederick, CO

$481

Phoenix, AZ

$543

Difference

$61.28

Other

↑ 2.8%

Frederick, CO

$1,578

Phoenix, AZ

$1,622

Difference

$44.01

Groceries

↓ 2.4%

Frederick, CO

$954

Phoenix, AZ

$932

Difference

$22.95

less

Healthcare

↓ 2.9%

Frederick, CO

$586

Phoenix, AZ

$569

Difference

$16.87

less

🏠Rent Comparison

Studio

From$1,750

To$1,390

↓ $360

1 Bed

From$1,850

To$1,510

↓ $340

2 Bed

From$2,340

To$1,750

↓ $590

3 Bed

From$3,250

To$2,330

↓ $920

Frederick, COZIP-level data

1BR range: $1,850–$1,850/mo

Phoenix, AZZIP-level data

1BR range: $1,300–$2,380/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 Frederick, CO

$7,802

Monthly in Phoenix, AZ

$302

Difference

Home Values

Frederick

Phoenix

$497K

Median Value

$414K

↓ -2.1%

YoY Change

↓ -3.1%

↑ +23.4%

5-Year Change

↑ +30.2%

$497K

Price Range

$274K - $957K

Homes in Phoenix are 17% less expensive than Frederick

Calculate payment - Frederick Calculate payment - Phoenix

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $1.4K

Per year

Monthly Difference

$114

More take-home

Effective Rate Diff

0.9%

Rate difference

Frederick, CO

Federal Income Tax

Effective: 18.9%

$25.5K

Colorado State Tax

Effective: 4.4%

$6.6K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 29.1%

$43.6K

Take-Home Pay

$8,866/month

$106.4K

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

Frederick, CO Tax Rates

Sales Tax:7.8%

Property Tax:0.5%

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.

🚶 Walkability

Modeled road attributes, not a safety assessment. Methodology and limitations

Frederick, CO: No data yet

Phoenix, AZ

26/100

0.9% sidewalk tags · 5.8% cycling tags

Environment

Frederick

Phoenix

55 Moderate

Air Quality

77 Moderate

35.2%

Good Air Days

95 High

Climate Risk

100 Very High

🌊🌪💨

Top Hazards

🔥🌊🌡

▲+3.3°F

2050 Outlook

▲+2.7°F

28 days

Heat Days >95°F

162 days

▲+3.3°F

2050 Outlook

▲+2.7°F

28 days

Heat Days >95°F

162 days

Before moving from Frederick, CO to Phoenix, AZ

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

Compare actual homes. Get current quotes in Phoenix, AZ for the same bedroom count and included utilities as your home in Frederick, CO. 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 Frederick to Phoenix moving checklist to organize the tasks and timing.

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

Frequently Asked Questions: Frederick, CO vs Phoenix, AZ

How do the cost estimates for Frederick, CO and Phoenix, AZ compare?

Phoenix, AZ has a modeled overall cost index 2.0% higher than Frederick, CO. 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 Frederick, CO, the model estimates $153,624 in Phoenix, AZ. 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 Frederick, CO and Phoenix, AZ?

The modeled two-bedroom rents are $2,340/month in Frederick, CO and $1,750/month in Phoenix, AZ. 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 Colorado and Arizona on TaxTakeHome.com