Is Gilbert, AZ cheaper than Plano, TX?

Based on cost of living data, Gilbert, AZ is 2.2% more expensive than Plano, TX. This translates to spending an extra $163 per month.

What salary do I need in Gilbert, AZ to live like I do in Plano, TX?

If you earn $150,000 in Plano, TX, you'd need approximately $151,960.396 in Gilbert, AZ to maintain the same standard of living.

How does housing cost compare between Plano, TX and Gilbert, AZ?

Housing in Gilbert, AZ is 16.6% more expensive than in Plano, TX. For a two-bedroom apartment, rent is $2,270/month in Gilbert, AZ compared to $2,340/month in Plano, TX.

How much can I save per month by moving from Plano, TX to Gilbert, AZ?

Living in Gilbert, AZ costs approximately $163 more per month than Plano, TX, or $1960 more per year, based on a $150,000 salary.

Plano, TX vs Gilbert, AZ: 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 Plano, TX

Numbers update automatically as you type

You'd spend $163/month more in Gilbert, AZ

$150.0K in your current city equals $152.0K in Gilbert, AZ

Rent data from HUD ZIP-level estimates · COL index from Dallas-Fort Worth-Arlington, TX area

Overall Cost

↑ 2.2%

More expensive

Monthly Impact

$163

Extra cost

Annual Impact

$2.0K

Per year

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

Plano, TX

Population:285K

Cost Index:

100

100 = national average

Median Home:$496K

Gilbert, AZ

Population:268K

Cost Index:

102

(2% above avg)

Median Home:$541K

Plano, TX

The Lone Star State

285K

Population

State Tax

No Income Tax

Located in Texas, this city has a population of 285K residents.

💡 Advantage: Texas has no state income tax!

Gilbert, AZ

The Grand Canyon State

268K

Population

State Tax

Yes

Located in Arizona, this city has a population of 268K residents.

Cost Breakdown by Category

Annual spending: Plano, TX vs Gilbert, AZ

Category	Plano, TX	Gilbert, AZ	Difference	Change
Housing	$2,391/mo	$2,788/mo	↑ $398more	16.6%
Transportation	$1,298/mo	$1,489/mo	↑ $191more	14.7%
Other	$1,774/mo	$1,677/mo	↓ $97.09less	5.5%
Healthcare	$632/mo	$589/mo	↓ $43.37less	6.9%
Groceries	$979/mo	$963/mo	↓ $15.99less	1.6%
All Utilities	$563/mo	$561/mo	↓ $1.64less	0.3%

Housing

↑ 16.6%

Plano, TX

$2,391

Gilbert, AZ

$2,788

Difference

$398

Transportation

↑ 14.7%

Plano, TX

$1,298

Gilbert, AZ

$1,489

Difference

$191

Other

↓ 5.5%

Plano, TX

$1,774

Gilbert, AZ

$1,677

Difference

$97.09

less

Healthcare

↓ 6.9%

Plano, TX

$632

Gilbert, AZ

$589

Difference

$43.37

less

Groceries

↓ 1.6%

Plano, TX

$979

Gilbert, AZ

$963

Difference

$15.99

less

All Utilities

↓ 0.3%

Plano, TX

$563

Gilbert, AZ

$561

Difference

$1.64

less

🏠Rent Comparison

Studio

From$1,915

To$1,800

↓ $115

1 Bed

From$2,000

To$1,950

↓ $50.00

2 Bed

From$2,340

To$2,270

↓ $70.00

3 Bed

From$2,945

To$3,030

↑ $85.00

Plano, TXZIP-level data

1BR range: $1,770–$2,200/mo

Gilbert, AZZIP-level data

1BR range: $1,920–$2,130/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.

$7,637

Monthly in Plano, TX

$8,068

Monthly in Gilbert, AZ

$431

Difference

Home Values

Plano

Gilbert

$496K

Median Value

$541K

↓ -5%

YoY Change

↓ -1.9%

↑ +35%

5-Year Change

↑ +33.1%

$361K - $725K

Price Range

$517K - $546K

Homes in Gilbert are 9% more expensive than Plano

Calculate payment - Plano Calculate payment - Gilbert

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↓ $5.2K

More taxes

Monthly Difference

$436

Less take-home

Effective Rate Diff

3.5%

Rate difference

Plano, 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

Gilbert, 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

Plano, TX Tax Rates

Sales Tax:8.2%

Property Tax:1.8%

Gilbert, 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.