Is Phoenix, AZ cheaper than Fredericksburg, VA?

Based on cost of living data, Phoenix, AZ is 18.6% cheaper than Fredericksburg, VA. This translates to saving $1395 per month.

What salary do I need in Phoenix, AZ to live like I do in Fredericksburg, VA?

If you earn $150,000 in Fredericksburg, VA, you'd need approximately $133,261.414 in Phoenix, AZ to maintain the same standard of living.

How does housing cost compare between Fredericksburg, VA and Phoenix, AZ?

Housing in Phoenix, AZ is 40.2% cheaper than in Fredericksburg, VA. For a two-bedroom apartment, rent is $1,750/month in Phoenix, AZ compared to $1,418/month in Fredericksburg, VA.

How much can I save per month by moving from Fredericksburg, VA to Phoenix, AZ?

Moving from Fredericksburg, VA to Phoenix, AZ could save you approximately $1395 per month, or $16739 per year, based on a $150,000 salary.

Fredericksburg, VA vs Phoenix, AZ: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Fredericksburg, VA — ZIP-level rent data · COL adjusted from Washington, DC area

Current salary in Fredericksburg, VA

Numbers update automatically as you type

You'd save $1.4K/month moving to Phoenix, AZ

$150.0K in your current city equals $133.3K in Phoenix, AZ

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

Overall Cost

↓ 18.6%

Less expensive

Monthly Impact

$1,395

Savings

Annual Impact

$16.7K

Per year

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

Fredericksburg, VA

Population:29K

Cost Index:100

Median Home:$456K

Phoenix, AZ

Population:1608K

Cost Index:81

Median Home:$414K

Fredericksburg, VA

The Old Dominion State

29K

Population

State Tax

Yes

Located in Virginia, this city has a population of 29K 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: Fredericksburg, VA vs Phoenix, AZ

Category	Fredericksburg, VA	Phoenix, AZ	Difference	Change
🏠Housing	$4,662/mo	$2,788/mo	↓ $1,874less	40.2%
📦Other	$1,522/mo	$1,677/mo	↑ $155more	10.2%
⚡All Utilities	$464/mo	$561/mo	↑ $97.07more	20.9%
🚗Transportation	$1,572/mo	$1,489/mo	↓ $83.35less	5.3%
🛒Groceries	$986/mo	$963/mo	↓ $22.32less	2.3%
🏥Healthcare	$577/mo	$589/mo	↑ $11.44more	2.0%

🏠Housing

↓ 40.2%

Fredericksburg, VA

$4,662

Phoenix, AZ

$2,788

Difference

$1,874

less

📦Other

↑ 10.2%

Fredericksburg, VA

$1,522

Phoenix, AZ

$1,677

Difference

$155

⚡All Utilities

↑ 20.9%

Fredericksburg, VA

$464

Phoenix, AZ

$561

Difference

$97.07

🚗Transportation

↓ 5.3%

Fredericksburg, VA

$1,572

Phoenix, AZ

$1,489

Difference

$83.35

less

🛒Groceries

↓ 2.3%

Fredericksburg, VA

$986

Phoenix, AZ

$963

Difference

$22.32

less

🏥Healthcare

↑ 2.0%

Fredericksburg, VA

$577

Phoenix, AZ

$589

Difference

$11.44

🏠Rent Comparison

Studio

From$1,234

To$1,390

↑ $156

1 Bed

From$1,273

To$1,510

↑ $237

2 Bed

From$1,418

To$1,750

↑ $332

3 Bed

From$1,790

To$2,330

↑ $540

Fredericksburg, VAZIP-level data

1BR range: $1,570–$1,830/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.

$9,783

Monthly in Fredericksburg, VA

$8,068

Monthly in Phoenix, AZ

$1,716

Difference

Home Values

Fredericksburg

Phoenix

$456K

Median Value

$414K

↑ +0.9%

YoY Change

↓ -3.1%

↑ +33%

5-Year Change

↑ +30.2%

$440K - $564K

Price Range

$274K - $957K

Homes in Phoenix are 9% less expensive than Fredericksburg

Calculate payment - Fredericksburg Calculate payment - Phoenix

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $3.1K

Per year

Monthly Difference

$261

More take-home

Effective Rate Diff

2.1%

Rate difference

Fredericksburg, VA

Federal Income Tax

Effective: 18.9%

$25.5K

Virginia State Tax

Effective: 5.6%

$8.4K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 30.3%

$45.4K

Take-Home Pay

$8,718/month

$104.6K

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

Fredericksburg, VA Tax Rates

Sales Tax:5.7%

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.