Gilbert, AZ vs. Phoenix, AZ: Cost of Living Comparison (2025)
Families moving to Phoenix spend $1,100 more per month on average than those in Gilbert, AZ. This article provides a detailed cost of living comparison between Gilbert and Phoenix. It is perfect for families relocating, professionals choosing between job offers, or anyone comparing the real-life cost of living in Gilbert vs Phoenix in 2025.
Housing Costs
Housing is the biggest factor in the cost of living difference between Gilbert and Phoenix. Here’s how typical housing expenses compare:
| Housing Type | Gilbert | Phoenix |
|---|---|---|
| Median 2BR Apartment Rent | $1,400 | $1,650 |
| Median 3BR Home Price | $450,000 | $525,000 |
🏆 Winner: Gilbert
Utilities and Energy Costs
Utility costs are fairly similar between the two cities, with Gilbert coming out slightly ahead:
- In Gilbert, expect to pay around $180/month for electricity, gas, water, and trash service for a 2BR apartment.
- In Phoenix, similar utility costs average $200/month.
- Both cities charge more for electricity in the summer months to offset air conditioning usage. Look for off-peak usage plans to save.
🏆 Winner: Gilbert
Groceries and Daily Expenses
Grocery and restaurant prices are comparable between Gilbert and Phoenix. Expect to spend around $400/month per person on groceries and dining out in either city.
However, Gilbert has slightly lower costs on common goods like gas, clothing, and entertainment.
🏆 Winner: Gilbert
Taxes and Fees
Gilbert has a lower property tax rate of 0.6% vs Phoenix’s 0.8%. However, many homes in Phoenix do not have HOA fees, which can add $200-400/month in Gilbert.
Phoenix charges higher city service fees for trash, water, and sewer. Vehicle registration fees are also about 20% higher in Phoenix.
🏆 Winner: Gilbert
Cost Summary
| Category | Gilbert | Phoenix |
|---|---|---|
| Housing | $1,400 | $1,650 |
| Utilities | $180 | $200 |
| Groceries | $400 | $400 |
| Transportation | $60 | $80 |
| Taxes & Fees | $300 | $350 |
| Misc Expenses | $250 | $300 |
| Estimated Monthly Total | $2,590 | $2,980 |
Note: The above figures are estimates based on a gross monthly income (pre-tax) and will vary based on individual circumstances.
Lifestyle Fit
While Gilbert offers a lower cost of living, Phoenix provides other benefits:
- Phoenix has more walkable urban neighborhoods and public transit.
- Gilbert offers more space, with larger homes and yards.
- Phoenix averages 5°F hotter than Gilbert in the summer months.
- Traffic and noise levels are higher in Phoenix compared to suburban Gilbert.
Frequently Asked Questions
- Is Gilbert more affordable than Phoenix? Yes, the cost of living in Gilbert is about 13% lower than Phoenix as of 2025.
- Which city has lower rent? Rent prices are cheaper in Gilbert, with a typical 2BR apartment costing $250 less per month than Phoenix.
- Where is it cheaper to buy a home? Gilbert has lower home prices and property taxes, making it more affordable for buyers. See typical monthly budgets for Gilbert homeowners.
Conclusion
For most lifestyles, Gilbert offers a lower cost of living than Phoenix. Families and professionals who prioritize space and suburban amenities will find their budget goes further in Gilbert.
However, those who prefer a walkable urban environment, shorter commutes, and public transit access may find the premium of living in Phoenix worthwhile. Compare the full cost of living in Gilbert to see how it fits your budget and lifestyle priorities in 2025.