Is Fort Worth, TX cheaper than Phoenix, AZ?

Based on cost of living data, Fort Worth, TX is 2.1% cheaper than Phoenix, AZ. This translates to saving $160 per month.

What salary do I need in Fort Worth, TX to live like I do in Phoenix, AZ?

If you earn $150,000 in Phoenix, AZ, you'd need approximately $148,081.395 in Fort Worth, TX to maintain the same standard of living.

How does housing cost compare between Phoenix, AZ and Fort Worth, TX?

Housing in Fort Worth, TX is 14.3% cheaper than in Phoenix, AZ. For a two-bedroom apartment, rent is $1,620/month in Fort Worth, TX compared to $1,750/month in Phoenix, AZ.

How much can I save per month by moving from Phoenix, AZ to Fort Worth, TX?

Moving from Phoenix, AZ to Fort Worth, TX could save you approximately $160 per month, or $1919 per year, based on a $150,000 salary.

Phoenix, AZ vs Fort Worth, TX: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

Current salary in Phoenix, AZ

Numbers update automatically as you type

You'd save $160/month moving to Fort Worth, TX

$150.0K in your current city equals $148.1K in Fort Worth, TX

Rent data from HUD ZIP-level estimates · COL index from Phoenix-Mesa-Chandler, AZ area

Overall Cost

↓ 2.1%

Less expensive

Monthly Impact

$160

Savings

Annual Impact

$1.9K

Per year

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

Phoenix, AZ

Population:1608K

Cost Index:

100

100 = national average

Median Home:$414K

Fort Worth, TX

Population:919K

Cost Index:

(2% below avg)

Median Home:$263K

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

Fort Worth, TX

The Lone Star State

919K

Population

State Tax

No Income Tax

Located in Texas, this city has a population of 919K residents.

💡 Advantage: Texas has no state income tax!

Cost Breakdown by Category

Annual spending: Phoenix, AZ vs Fort Worth, TX

Category	Phoenix, AZ	Fort Worth, TX	Difference	Change
Housing	$2,788/mo	$2,391/mo	↓ $398less	14.3%
Transportation	$1,489/mo	$1,298/mo	↓ $191less	12.8%
Other	$1,677/mo	$1,774/mo	↑ $97.09more	5.8%
Healthcare	$589/mo	$632/mo	↑ $43.37more	7.4%
Groceries	$963/mo	$979/mo	↑ $15.99more	1.7%
All Utilities	$561/mo	$563/mo	↑ $1.64more	0.3%

Housing

↓ 14.3%

Phoenix, AZ

$2,788

Fort Worth, TX

$2,391

Difference

$398

less

Transportation

↓ 12.8%

Phoenix, AZ

$1,489

Fort Worth, TX

$1,298

Difference

$191

less

Other

↑ 5.8%

Phoenix, AZ

$1,677

Fort Worth, TX

$1,774

Difference

$97.09

Healthcare

↑ 7.4%

Phoenix, AZ

$589

Fort Worth, TX

$632

Difference

$43.37

Groceries

↑ 1.7%

Phoenix, AZ

$963

Fort Worth, TX

$979

Difference

$15.99

All Utilities

↑ 0.3%

Phoenix, AZ

$561

Fort Worth, TX

$563

Difference

$1.64

🏠Rent Comparison

Studio

From$1,390

To$1,340

↓ $50.00

1 Bed

From$1,510

To$1,390

↓ $120

2 Bed

From$1,750

To$1,620

↓ $130

3 Bed

From$2,330

To$2,140

↓ $190

Phoenix, AZZIP-level data

1BR range: $1,300–$2,380/mo

Fort Worth, TXZIP-level data

1BR range: $1,170–$2,210/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.

$8,068

Monthly in Phoenix, AZ

$7,637

Monthly in Fort Worth, TX

$431

Difference

Home Values

Phoenix

Fort Worth

$414K

Median Value

$263K

↓ -3.1%

YoY Change

↓ -3.7%

↑ +30.2%

5-Year Change

↑ +27.5%

$274K - $957K

Price Range

$161K - $673K

Homes in Fort Worth are 37% less expensive than Phoenix

Calculate payment - Phoenix Calculate payment - Fort Worth

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $5.2K

Per year

Monthly Difference

$436

More take-home

Effective Rate Diff

3.5%

Rate difference

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

Fort Worth, TX

Federal Income Tax

Effective: 18.9%

$25.5K

Texas State Tax

No state income tax

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 24.7%

$37.0K

Take-Home Pay

$9,416/month

$113.0K

Additional Tax Information

Phoenix, AZ Tax Rates

Sales Tax:8.5%

Property Tax:0.6%

Fort Worth, TX Tax Rates

Sales Tax:8.2%

Property Tax:1.8%

💡 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.