Is Phoenix, AZ cheaper than Gloucester, MA?

Based on cost of living data, Phoenix, AZ is 25.3% cheaper than Gloucester, MA. This translates to saving $1899 per month.

What salary do I need in Phoenix, AZ to live like I do in Gloucester, MA?

If you earn $150,000 in Gloucester, MA, you'd need approximately $127,215.337 in Phoenix, AZ to maintain the same standard of living.

How does housing cost compare between Gloucester, MA and Phoenix, AZ?

Housing in Phoenix, AZ is 36.7% cheaper than in Gloucester, MA. For a two-bedroom apartment, rent is $1,750/month in Phoenix, AZ compared to $2,018/month in Gloucester, MA.

How much can I save per month by moving from Gloucester, MA to Phoenix, AZ?

Moving from Gloucester, MA to Phoenix, AZ could save you approximately $1899 per month, or $22785 per year, based on a $150,000 salary.

Gloucester, MA vs Phoenix, AZ: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Gloucester, MA — ZIP-level rent data · COL adjusted from Boston, MA area

Current salary in Gloucester, MA

Numbers update automatically as you type

You'd save $1.9K/month moving to Phoenix, AZ

$150.0K in your current city equals $127.2K in Phoenix, AZ

Rent data from HUD ZIP-level estimates · COL index from Boston-Cambridge-Newton, MA-NH area

Overall Cost

↓ 25.3%

Less expensive

Monthly Impact

$1,899

Savings

Annual Impact

$22.8K

Per year

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

Gloucester, MA

Population:30K

Cost Index:100

Median Home:$735K

Phoenix, AZ

Population:1608K

Cost Index:75

Median Home:$414K

Gloucester, MA

The Bay State

30K

Population

State Tax

Yes

Located in Massachusetts, this city has a population of 30K 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: Gloucester, MA vs Phoenix, AZ

Category	Gloucester, MA	Phoenix, AZ	Difference	Change
🏠Housing	$4,403/mo	$2,788/mo	↓ $1,615less	36.7%
🚗Transportation	$1,698/mo	$1,489/mo	↓ $209less	12.3%
⚡All Utilities	$689/mo	$561/mo	↓ $128less	18.6%
🏥Healthcare	$716/mo	$589/mo	↓ $127less	17.8%
🛒Groceries	$1,039/mo	$963/mo	↓ $76.00less	7.3%
📦Other	$1,692/mo	$1,677/mo	↓ $14.84less	0.9%

🏠Housing

↓ 36.7%

Gloucester, MA

$4,403

Phoenix, AZ

$2,788

Difference

$1,615

less

🚗Transportation

↓ 12.3%

Gloucester, MA

$1,698

Phoenix, AZ

$1,489

Difference

$209

less

⚡All Utilities

↓ 18.6%

Gloucester, MA

$689

Phoenix, AZ

$561

Difference

$128

less

🏥Healthcare

↓ 17.8%

Gloucester, MA

$716

Phoenix, AZ

$589

Difference

$127

less

🛒Groceries

↓ 7.3%

Gloucester, MA

$1,039

Phoenix, AZ

$963

Difference

$76.00

less

📦Other

↓ 0.9%

Gloucester, MA

$1,692

Phoenix, AZ

$1,677

Difference

$14.84

less

🏠Rent Comparison

Studio

From$1,608

To$1,390

↓ $218

1 Bed

From$1,703

To$1,510

↓ $193

2 Bed

From$2,018

To$1,750

↓ $268

3 Bed

From$2,428

To$2,330

↓ $98.00

Gloucester, MAZIP-level data

1BR range: $2,160–$2,160/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.

$10,238

Monthly in Gloucester, MA

$8,068

Monthly in Phoenix, AZ

$2,170

Difference

Home Values

Gloucester

Phoenix

$735K

Median Value

$414K

↑ +3%

YoY Change

↓ -3.1%

↑ +42.7%

5-Year Change

↑ +30.2%

$735K

Price Range

$274K - $957K

Homes in Phoenix are 44% less expensive than Gloucester

Calculate payment - Gloucester Calculate payment - Phoenix

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $2.3K

Per year

Monthly Difference

$189

More take-home

Effective Rate Diff

1.5%

Rate difference

Gloucester, MA

Federal Income Tax

Effective: 18.9%

$25.5K

Massachusetts State Tax

Effective: 5.0%

$7.5K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 29.7%

$44.5K

Take-Home Pay

$8,791/month

$105.5K

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

Gloucester, MA Tax Rates

Sales Tax:6.3%

Property Tax:1.2%

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.