Fredericksburg, TX vs Chino Valley, AZ: Cost of Living

Which city costs less?

Chino Valley, AZ has a modeled overall cost index 27.4% higher than Fredericksburg, TX.

Fredericksburg, TX · modeled 2BR rent
$1,560 / month
Chino Valley, AZ · modeled 2BR rent
$1,520 / 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 Fredericksburg, TX and Chino Valley, 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

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Estimated extra cost: $1,757/month in Chino Valley, AZ

$150,000 in your current city has a modeled equivalent of $171,085 in Chino Valley, AZ

Regional cost estimates: Fredericksburg, TX uses San Antonio, TX. Chino Valley, AZ uses Scottsdale, AZ. Available city ZIP rent estimates are shown separately.
Overall Cost
↑ 27.4%
More expensive
Monthly Impact
$1,757
Extra cost
Annual Impact
$21.1K
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.

Fredericksburg, TX

Population:12K
Cost Index:
81.0
100 = national average
Typical Home:$501K

Chino Valley, AZ

Population:14K
Cost Index:
103.2
100 = national average
Typical Home:$489K

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Fredericksburg, TX

The Lone Star State

12K
Population
State Tax
No Income Tax

Located in Texas, this city has a population of 12K residents.

💡 Advantage: Texas has no state income tax!

Chino Valley, AZ

The Grand Canyon State

14K
Population
State Tax
Yes

Located in Arizona, this city has a population of 14K residents.

Cost Breakdown by Category

Estimated monthly spending: Fredericksburg, TX vs Chino Valley, 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.

Housing
↑ 64.2%
Fredericksburg, TX
$2,061
Chino Valley, AZ
$3,385
Difference
$1,323
more
Other
↑ 13.1%
Fredericksburg, TX
$1,797
Chino Valley, AZ
$2,033
Difference
$236
more
Transportation
↑ 7.4%
Fredericksburg, TX
$1,404
Chino Valley, AZ
$1,507
Difference
$103
more
Healthcare
↑ 7.7%
Fredericksburg, TX
$609
Chino Valley, AZ
$656
Difference
$46.60
more
All Utilities
↑ 6.2%
Fredericksburg, TX
$573
Chino Valley, AZ
$609
Difference
$35.51
more
Groceries
↑ 1.2%
Fredericksburg, TX
$1,056
Chino Valley, AZ
$1,068
Difference
$12.33
more

🏠Rent Comparison

Studio
From$1,160
To$1,050
↓ $110
1 Bed
From$1,270
To$1,220
↓ $50.00
2 Bed
From$1,560
To$1,520
↓ $40.00
3 Bed
From$2,060
To$2,110
↑ $50.00
Fredericksburg, TXZIP-level data

1BR range: $1,270–$1,270/mo

Chino Valley, AZZIP-level data

1BR range: $1,220–$1,220/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 Fredericksburg, TX
$9,257
Monthly in Chino Valley, AZ
$1,757
Difference

Home Values

Fredericksburg
Chino Valley
$501K
Median Value
$489K
↓ -3.4%
YoY Change
↑ +1.5%
↑ +24.6%
5-Year Change
↑ +36.6%

Homes in Chino Valley are 2% less expensive than Fredericksburg

Calculate payment - FredericksburgCalculate payment - Chino Valley

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↓ $5.2K
More taxes
Monthly Difference
$436
Less take-home
Effective Rate Diff
3.5%
Rate difference

Fredericksburg, TX

Federal Income Tax
Effective: 18.9%
$25.5K
Texas State Tax
No state income tax
$0
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 24.7%
$37.0K
Take-Home Pay
$9,416/month
$113.0K

Chino Valley, 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

Fredericksburg, TX Tax Rates

Sales Tax:8.2%
Property Tax:1.8%

Chino Valley, 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.

Environment

Fredericksburg
Chino Valley
52 Moderate
Air Quality
77 Moderate
47.5%
Good Air Days
9%
99 High
Climate Risk
100 Very High
🌊🌡🌪
Top Hazards
🔥🌊🌡
▲+2.6°F
2050 Outlook
▲+2.7°F
105 days
Heat Days >95°F
161 days
▲+2.6°F
2050 Outlook
▲+2.7°F
105 days
Heat Days >95°F
161 days

Before moving from Fredericksburg, TX to Chino Valley, AZ

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

  1. Compare actual homes. Get current quotes in Chino Valley, AZ for the same bedroom count and included utilities as your home in Fredericksburg, TX. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
  2. 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.
  3. 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.
  4. Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Fredericksburg to Chino Valley moving checklist to organize the tasks and timing.

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

Frequently Asked Questions: Fredericksburg, TX vs Chino Valley, AZ

How do the cost estimates for Fredericksburg, TX and Chino Valley, AZ compare?

Chino Valley, AZ has a modeled overall cost index 27.4% higher than Fredericksburg, TX. 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 Fredericksburg, TX, the model estimates $171,085 in Chino Valley, 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 Fredericksburg, TX and Chino Valley, AZ?

The modeled two-bedroom rents are $1,560/month in Fredericksburg, TX and $1,520/month in Chino Valley, 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 Texas and Arizona on TaxTakeHome.com

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