Is Phoenix, AZ cheaper than Morgan Hill, CA?

Based on cost of living data, Phoenix, AZ is 44.9% cheaper than Morgan Hill, CA. This translates to saving $3369 per month.

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

If you earn $150,000 in Morgan Hill, CA, you'd need approximately $109,573.954 in Phoenix, AZ to maintain the same standard of living.

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

Housing in Phoenix, AZ is 65.6% cheaper than in Morgan Hill, CA. For a two-bedroom apartment, rent is $1,750/month in Phoenix, AZ compared to $2,234/month in Morgan Hill, CA.

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

Moving from Morgan Hill, CA to Phoenix, AZ could save you approximately $3369 per month, or $40426 per year, based on a $150,000 salary.

Morgan Hill, CA vs Phoenix, AZ: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

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

Current salary in Morgan Hill, CA

Numbers update automatically as you type

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

$150.0K in your current city equals $109.6K in Phoenix, AZ

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

Overall Cost

↓ 44.9%

Less expensive

Monthly Impact

$3,369

Savings

Annual Impact

$40.4K

Per year

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

Morgan Hill, CA

Population:44K

Cost Index:100

Median Home:$1.31M

Phoenix, AZ

Population:1608K

Cost Index:55

Median Home:$414K

Morgan Hill, CA

The Golden State

44K

Population

State Tax

Yes

Located in California, this city has a population of 44K 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: Morgan Hill, CA vs Phoenix, AZ

Category	Morgan Hill, CA	Phoenix, AZ	Difference	Change
🏠Housing	$8,110/mo	$2,788/mo	↓ $5,322less	65.6%
🚗Transportation	$1,311/mo	$1,489/mo	↑ $177more	13.5%
🛒Groceries	$1,090/mo	$963/mo	↓ $127less	11.6%
⚡All Utilities	$448/mo	$561/mo	↑ $113more	25.1%
🏥Healthcare	$682/mo	$589/mo	↓ $93.33less	13.7%
📦Other	$1,701/mo	$1,677/mo	↓ $23.46less	1.4%

🏠Housing

↓ 65.6%

Morgan Hill, CA

$8,110

Phoenix, AZ

$2,788

Difference

$5,322

less

🚗Transportation

↑ 13.5%

Morgan Hill, CA

$1,311

Phoenix, AZ

$1,489

Difference

$177

🛒Groceries

↓ 11.6%

Morgan Hill, CA

$1,090

Phoenix, AZ

$963

Difference

$127

less

⚡All Utilities

↑ 25.1%

Morgan Hill, CA

$448

Phoenix, AZ

$561

Difference

$113

🏥Healthcare

↓ 13.7%

Morgan Hill, CA

$682

Phoenix, AZ

$589

Difference

$93.33

less

📦Other

↓ 1.4%

Morgan Hill, CA

$1,701

Phoenix, AZ

$1,677

Difference

$23.46

less

🏠Rent Comparison

Studio

From$1,680

To$1,390

↓ $290

1 Bed

From$1,909

To$1,510

↓ $399

2 Bed

From$2,234

To$1,750

↓ $484

3 Bed

From$2,955

To$2,330

↓ $625

Morgan Hill, CAZIP-level data

1BR range: $2,410–$2,410/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.

$13,343

Monthly in Morgan Hill, CA

$8,068

Monthly in Phoenix, AZ

$5,275

Difference

Home Values

Morgan Hill

Phoenix

$1.31M

Median Value

$414K

↓ -0.5%

YoY Change

↓ -3.1%

↑ +28.4%

5-Year Change

↑ +30.2%

$1.31M

Price Range

$274K - $957K

Homes in Phoenix are 68% less expensive than Morgan Hill

Calculate payment - Morgan Hill 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

Morgan Hill, 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

Morgan Hill, 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.