Is Phoenix, AZ cheaper than Severn, MD?

Based on cost of living data, Phoenix, AZ is 2.5% more expensive than Severn, MD. This translates to spending an extra $191 per month.

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

If you earn $150,000 in Severn, MD, you'd need approximately $152,287.343 in Phoenix, AZ to maintain the same standard of living.

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

Housing in Phoenix, AZ is 4.6% more expensive than in Severn, MD. For a two-bedroom apartment, rent is $1,750/month in Phoenix, AZ compared to $1,332/month in Severn, MD.

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

Living in Phoenix, AZ costs approximately $191 more per month than Severn, MD, or $2287 more per year, based on a $150,000 salary.

Severn, MD vs Phoenix, AZ: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Severn, MD — COL adjusted from Baltimore, MD area + state data

Current salary in Severn, MD

Numbers update automatically as you type

You'd spend $191/month more in Phoenix, AZ

$150.0K in your current city equals $152.3K in Phoenix, AZ

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

Overall Cost

↑ 2.5%

More expensive

Monthly Impact

$191

Extra cost

Annual Impact

$2.3K

Per year

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

Severn, MD

Population:57K

Cost Index:100

Median Home:$218K

Phoenix, AZ

Population:1608K

Cost Index:103

Median Home:$414K

Severn, MD

The Old Line State

57K

Population

State Tax

Yes

Located in Maryland, this city has a population of 57K 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: Severn, MD vs Phoenix, AZ

Category	Severn, MD	Phoenix, AZ	Difference	Change
🚗Transportation	$1,310/mo	$1,489/mo	↑ $179more	13.7%
🏠Housing	$2,665/mo	$2,788/mo	↑ $124more	4.6%
🛒Groceries	$1,061/mo	$963/mo	↓ $98.02less	9.2%
📦Other	$1,621/mo	$1,677/mo	↑ $56.17more	3.5%
⚡All Utilities	$591/mo	$561/mo	↓ $29.83less	5.0%
🏥Healthcare	$574/mo	$589/mo	↑ $15.07more	2.6%

🚗Transportation

↑ 13.7%

Severn, MD

$1,310

Phoenix, AZ

$1,489

Difference

$179

🏠Housing

↑ 4.6%

Severn, MD

$2,665

Phoenix, AZ

$2,788

Difference

$124

🛒Groceries

↓ 9.2%

Severn, MD

$1,061

Phoenix, AZ

$963

Difference

$98.02

less

📦Other

↑ 3.5%

Severn, MD

$1,621

Phoenix, AZ

$1,677

Difference

$56.17

⚡All Utilities

↓ 5.0%

Severn, MD

$591

Phoenix, AZ

$561

Difference

$29.83

less

🏥Healthcare

↑ 2.6%

Severn, MD

$574

Phoenix, AZ

$589

Difference

$15.07

🏠Rent Comparison

Studio

From$928

To$1,390

↑ $462

1 Bed

From$1,089

To$1,510

↑ $421

2 Bed

From$1,332

To$1,750

↑ $418

3 Bed

From$1,775

To$2,330

↑ $555

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.

$7,822

Monthly in Severn, MD

$8,068

Monthly in Phoenix, AZ

$246

Difference

Home Values

Severn

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

Severn, 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

Severn, 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.