Is Phoenix, AZ cheaper than Los Gatos, CA?

Based on cost of living data, Phoenix, AZ is 44.5% cheaper than Los Gatos, CA. This translates to saving $3338 per month.

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

If you earn $150,000 in Los Gatos, CA, you'd need approximately $109,949.257 in Phoenix, AZ to maintain the same standard of living.

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

Housing in Phoenix, AZ is 65.4% cheaper than in Los Gatos, CA. For a two-bedroom apartment, rent is $1,750/month in Phoenix, AZ compared to $2,965/month in Los Gatos, CA.

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

Moving from Los Gatos, CA to Phoenix, AZ could save you approximately $3338 per month, or $40051 per year, based on a $150,000 salary.

Los Gatos, CA vs Phoenix, AZ: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

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

Current salary in Los Gatos, CA

Numbers update automatically as you type

You'd save $3.3K/month moving to Phoenix, AZ

$150.0K in your current city equals $109.9K in Phoenix, AZ

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

Overall Cost

↓ 44.5%

Less expensive

Monthly Impact

$3,338

Savings

Annual Impact

$40.1K

Per year

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

Los Gatos, CA

Population:32K

Cost Index:100

Median Home:$2.52M

Phoenix, AZ

Population:1608K

Cost Index:55

Median Home:$414K

Los Gatos, CA

The Golden State

32K

Population

State Tax

Yes

Located in California, this city has a population of 32K 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: Los Gatos, CA vs Phoenix, AZ

Category	Los Gatos, CA	Phoenix, AZ	Difference	Change
🏠Housing	$8,049/mo	$2,788/mo	↓ $5,261less	65.4%
🚗Transportation	$1,302/mo	$1,489/mo	↑ $187more	14.4%
🛒Groceries	$1,086/mo	$963/mo	↓ $123less	11.3%
⚡All Utilities	$447/mo	$561/mo	↑ $114more	25.6%
🏥Healthcare	$679/mo	$589/mo	↓ $90.76less	13.4%
📦Other	$1,688/mo	$1,677/mo	↓ $10.68less	0.6%

🏠Housing

↓ 65.4%

Los Gatos, CA

$8,049

Phoenix, AZ

$2,788

Difference

$5,261

less

🚗Transportation

↑ 14.4%

Los Gatos, CA

$1,302

Phoenix, AZ

$1,489

Difference

$187

🛒Groceries

↓ 11.3%

Los Gatos, CA

$1,086

Phoenix, AZ

$963

Difference

$123

less

⚡All Utilities

↑ 25.6%

Los Gatos, CA

$447

Phoenix, AZ

$561

Difference

$114

🏥Healthcare

↓ 13.4%

Los Gatos, CA

$679

Phoenix, AZ

$589

Difference

$90.76

less

📦Other

↓ 0.6%

Los Gatos, CA

$1,688

Phoenix, AZ

$1,677

Difference

$10.68

less

🏠Rent Comparison

Studio

From$2,233

To$1,390

↓ $843

1 Bed

From$2,540

To$1,510

↓ $1,030

2 Bed

From$2,965

To$1,750

↓ $1,215

3 Bed

From$3,916

To$2,330

↓ $1,586

Los Gatos, CAZIP-level data

1BR range: $3,230–$3,230/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.

$13,251

Monthly in Los Gatos, CA

$8,068

Monthly in Phoenix, AZ

$5,183

Difference

Home Values

Los Gatos

Phoenix

$2.52M

Median Value

$414K

↑ +0.5%

YoY Change

↓ -3.1%

↑ +41.7%

5-Year Change

↑ +30.2%

$2.52M

Price Range

$274K - $957K

Homes in Phoenix are 84% less expensive than Los Gatos

Calculate payment - Los Gatos 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

Los Gatos, 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

Los Gatos, 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.