Is Phoenix, AZ cheaper than The Villages, FL?

Based on cost of living data, Phoenix, AZ is 5.2% more expensive than The Villages, FL. This translates to spending an extra $388 per month.

What salary do I need in Phoenix, AZ to live like I do in The Villages, FL?

If you earn $150,000 in The Villages, FL, you'd need approximately $154,655.151 in Phoenix, AZ to maintain the same standard of living.

How does housing cost compare between The Villages, FL and Phoenix, AZ?

Housing in Phoenix, AZ is 20.3% more expensive than in The Villages, FL. For a two-bedroom apartment, rent is $1,750/month in Phoenix, AZ compared to $1,417/month in The Villages, FL.

How much can I save per month by moving from The Villages, FL to Phoenix, AZ?

Living in Phoenix, AZ costs approximately $388 more per month than The Villages, FL, or $4655 more per year, based on a $150,000 salary.

The Villages, FL vs Phoenix, AZ: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 The Villages, FL — COL adjusted from Orlando, FL area + state data

Current salary in The Villages, FL

Numbers update automatically as you type

You'd spend $388/month more in Phoenix, AZ

$150.0K in your current city equals $154.7K in Phoenix, AZ

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

Overall Cost

↑ 5.2%

More expensive

Monthly Impact

$388

Extra cost

Annual Impact

$4.7K

Per year

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

The Villages, FL

Population:79K

Cost Index:100

Median Home:$390K

Phoenix, AZ

Population:1608K

Cost Index:105

Median Home:$414K

The Villages, FL

The Sunshine State

79K

Population

State Tax

No Income Tax

Located in Florida, this city has a population of 79K residents.

💡 Advantage: Florida has no state income tax!

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: The Villages, FL vs Phoenix, AZ

Category	The Villages, FL	Phoenix, AZ	Difference	Change
🏠Housing	$2,317/mo	$2,788/mo	↑ $471more	20.3%
🚗Transportation	$1,223/mo	$1,489/mo	↑ $266more	21.7%
📦Other	$1,722/mo	$1,677/mo	↓ $45.00less	2.6%
🏥Healthcare	$556/mo	$589/mo	↑ $32.24more	5.8%
🛒Groceries	$995/mo	$963/mo	↓ $31.54less	3.2%
⚡All Utilities	$560/mo	$561/mo	↑ $1.18more	0.2%

🏠Housing

↑ 20.3%

The Villages, FL

$2,317

Phoenix, AZ

$2,788

Difference

$471

🚗Transportation

↑ 21.7%

The Villages, FL

$1,223

Phoenix, AZ

$1,489

Difference

$266

📦Other

↓ 2.6%

The Villages, FL

$1,722

Phoenix, AZ

$1,677

Difference

$45.00

less

🏥Healthcare

↑ 5.8%

The Villages, FL

$556

Phoenix, AZ

$589

Difference

$32.24

🛒Groceries

↓ 3.2%

The Villages, FL

$995

Phoenix, AZ

$963

Difference

$31.54

less

⚡All Utilities

↑ 0.2%

The Villages, FL

$560

Phoenix, AZ

$561

Difference

$1.18

🏠Rent Comparison

Studio

From$972

To$1,390

↑ $418

1 Bed

From$1,134

To$1,510

↑ $376

2 Bed

From$1,417

To$1,750

↑ $333

3 Bed

From$1,943

To$2,330

↑ $387

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.

$7,374

Monthly in The Villages, FL

$8,068

Monthly in Phoenix, AZ

$694

Difference

Home Values

The Villages

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

↓ $5.2K

More taxes

Monthly Difference

$436

Less take-home

Effective Rate Diff

3.5%

Rate difference

The Villages, FL

Federal Income Tax

Effective: 18.9%

$25.5K

Florida 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

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

The Villages, FL Tax Rates

Sales Tax:7.2%

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.