Is Phoenix, AZ cheaper than Gilroy, CA?

Based on cost of living data, Phoenix, AZ is 45.3% cheaper than Gilroy, CA. This translates to saving $3395 per month.

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

If you earn $150,000 in Gilroy, CA, you'd need approximately $109,264.372 in Phoenix, AZ to maintain the same standard of living.

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

Housing in Phoenix, AZ is 65.8% cheaper than in Gilroy, CA. For a two-bedroom apartment, rent is $1,750/month in Phoenix, AZ compared to $2,193/month in Gilroy, CA.

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

Moving from Gilroy, CA to Phoenix, AZ could save you approximately $3395 per month, or $40736 per year, based on a $150,000 salary.

Gilroy, CA vs Phoenix, AZ: Cost of Living Comparison 2026

MoveNumbers

Tap to swap

Cost of Living Comparison 2026

📍 Gilroy, CA — ZIP-level rent data · COL adjusted from San Jose, CA area

Current salary in Gilroy, CA

Numbers update automatically as you type

You'd save $3.4K/month moving to Phoenix, AZ

$150.0K in your current city equals $109.3K in Phoenix, AZ

Rent data from HUD ZIP-level estimates · COL index from San Jose-Sunnyvale-Santa Clara, CA area

Overall Cost

↓ 45.3%

Less expensive

Monthly Impact

$3,395

Savings

Annual Impact

$40.7K

Per year

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

Gilroy, CA

Population:58K

Cost Index:100

Median Home:$1.04M

Phoenix, AZ

Population:1608K

Cost Index:55

Median Home:$414K

Gilroy, CA

The Golden State

58K

Population

State Tax

Yes

Located in California, this city has a population of 58K 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: Gilroy, CA vs Phoenix, AZ

Category	Gilroy, CA	Phoenix, AZ	Difference	Change
🏠Housing	$8,161/mo	$2,788/mo	↓ $5,372less	65.8%
🚗Transportation	$1,320/mo	$1,489/mo	↑ $169more	12.8%
🛒Groceries	$1,094/mo	$963/mo	↓ $130less	11.9%
⚡All Utilities	$450/mo	$561/mo	↑ $111more	24.8%
🏥Healthcare	$684/mo	$589/mo	↓ $95.47less	14.0%
📦Other	$1,712/mo	$1,677/mo	↓ $34.15less	2.0%

🏠Housing

↓ 65.8%

Gilroy, CA

$8,161

Phoenix, AZ

$2,788

Difference

$5,372

less

🚗Transportation

↑ 12.8%

Gilroy, CA

$1,320

Phoenix, AZ

$1,489

Difference

$169

🛒Groceries

↓ 11.9%

Gilroy, CA

$1,094

Phoenix, AZ

$963

Difference

$130

less

⚡All Utilities

↑ 24.8%

Gilroy, CA

$450

Phoenix, AZ

$561

Difference

$111

🏥Healthcare

↓ 14.0%

Gilroy, CA

$684

Phoenix, AZ

$589

Difference

$95.47

less

📦Other

↓ 2.0%

Gilroy, CA

$1,712

Phoenix, AZ

$1,677

Difference

$34.15

less

🏠Rent Comparison

Studio

From$1,650

To$1,390

↓ $260

1 Bed

From$1,874

To$1,510

↓ $364

2 Bed

From$2,193

To$1,750

↓ $443

3 Bed

From$2,894

To$2,330

↓ $564

Gilroy, CAZIP-level data

1BR range: $2,350–$2,350/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.

$13,420

Monthly in Gilroy, CA

$8,068

Monthly in Phoenix, AZ

$5,352

Difference

Home Values

Gilroy

Phoenix

$1.04M

Median Value

$414K

↓ -3%

YoY Change

↓ -3.1%

↑ +24.8%

5-Year Change

↑ +30.2%

$1.04M

Price Range

$274K - $957K

Homes in Phoenix are 60% less expensive than Gilroy

Calculate payment - Gilroy 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

Gilroy, 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

Gilroy, 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.