Is Phoenix, AZ cheaper than Montgomery Village, MD?

Based on cost of living data, Phoenix, AZ is 27.4% cheaper than Montgomery Village, MD. This translates to saving $2055 per month.

What salary do I need in Phoenix, AZ to live like I do in Montgomery Village, MD?

If you earn $150,000 in Montgomery Village, MD, you'd need approximately $125,338.633 in Phoenix, AZ to maintain the same standard of living.

How does housing cost compare between Montgomery Village, MD and Phoenix, AZ?

Housing in Phoenix, AZ is 46.7% cheaper than in Montgomery Village, MD. For a two-bedroom apartment, rent is $1,750/month in Phoenix, AZ compared to $2,226/month in Montgomery Village, MD.

How much can I save per month by moving from Montgomery Village, MD to Phoenix, AZ?

Moving from Montgomery Village, MD to Phoenix, AZ could save you approximately $2055 per month, or $24661 per year, based on a $150,000 salary.

Montgomery Village, MD vs Phoenix, AZ: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Montgomery Village, MD — COL adjusted from Washington, DC area + state data

Current salary in Montgomery Village, MD

Numbers update automatically as you type

You'd save $2.1K/month moving to Phoenix, AZ

$150.0K in your current city equals $125.3K in Phoenix, AZ

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

Overall Cost

↓ 27.4%

Less expensive

Monthly Impact

$2,055

Savings

Annual Impact

$24.7K

Per year

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

Montgomery Village, MD

Population:35K

Cost Index:100

Median Home:$556K

Phoenix, AZ

Population:1608K

Cost Index:73

Median Home:$414K

Montgomery Village, MD

The Old Line State

35K

Population

State Tax

Yes

Located in Maryland, this city has a population of 35K 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: Montgomery Village, MD vs Phoenix, AZ

Category	Montgomery Village, MD	Phoenix, AZ	Difference	Change
🏠Housing	$5,228/mo	$2,788/mo	↓ $2,439less	46.7%
🚗Transportation	$1,763/mo	$1,489/mo	↓ $274less	15.5%
🛒Groceries	$1,044/mo	$963/mo	↓ $80.37less	7.7%
⚡All Utilities	$491/mo	$561/mo	↑ $69.74more	14.2%
📦Other	$1,706/mo	$1,677/mo	↓ $29.09less	1.7%
🏥Healthcare	$611/mo	$589/mo	↓ $22.55less	3.7%

🏠Housing

↓ 46.7%

Montgomery Village, MD

$5,228

Phoenix, AZ

$2,788

Difference

$2,439

less

🚗Transportation

↓ 15.5%

Montgomery Village, MD

$1,763

Phoenix, AZ

$1,489

Difference

$274

less

🛒Groceries

↓ 7.7%

Montgomery Village, MD

$1,044

Phoenix, AZ

$963

Difference

$80.37

less

⚡All Utilities

↑ 14.2%

Montgomery Village, MD

$491

Phoenix, AZ

$561

Difference

$69.74

📦Other

↓ 1.7%

Montgomery Village, MD

$1,706

Phoenix, AZ

$1,677

Difference

$29.09

less

🏥Healthcare

↓ 3.7%

Montgomery Village, MD

$611

Phoenix, AZ

$589

Difference

$22.55

less

🏠Rent Comparison

Studio

From$1,510

To$1,390

↓ $120

1 Bed

From$1,749

To$1,510

↓ $239

2 Bed

From$2,226

To$1,750

↓ $476

3 Bed

From$3,100

To$2,330

↓ $770

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.

$10,843

Monthly in Montgomery Village, MD

$8,068

Monthly in Phoenix, AZ

$2,776

Difference

Home Values

Montgomery Village

Phoenix

Median Value

$414K

YoY Change

↓ -3.1%

5-Year Change

↑ +30.2%

Price Range

$274K - $957K

Calculate payment - Phoenix

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $2.0K

Per year

Monthly Difference

$169

More take-home

Effective Rate Diff

1.4%

Rate difference

Montgomery Village, MD

Federal Income Tax

Effective: 18.9%

$25.5K

Maryland State Tax

Effective: 4.8%

$7.3K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 29.5%

$44.3K

Take-Home Pay

$8,811/month

$105.7K

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

Montgomery Village, MD Tax Rates

Sales Tax:6.0%

Property Tax:1.1%

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.