City comparison

Phoenix, AZ vs Virginia Beach, VA

What a paycheck is really worth in each city: prices, rent and state taxes.

Key findings

  • Prices in Phoenix, AZ are 5.5% higher than in Virginia Beach, VA. Someone earning $100,000 in Virginia Beach, VA would need about $105,500 in Phoenix, AZ to live the same way.
  • Typical 1-bedroom rents are close: $1,583 a month in Phoenix, AZ and $1,512 in Virginia Beach, VA.
  • On $100,000, estimated state income tax is about $2,645 a year higher in Virginia Beach, VA than in Phoenix, AZ.
  • For federal employees, locality pay changes a GS-13 step 1 salary by −3.0% moving from Phoenix, AZ to Virginia Beach, VA ($111,338 → $108,019), while prices change by −5.2%. Net effect of the transfer: +2.3% in real buying power.
PhoenixVirginia Beach
Price level (U.S. = 100):Under 9292–9898–102102–108Over 108
  • Phoenix, AZ: price level 103.3 (pricier)
  • Virginia Beach, VA: price level 97.9 (cheaper)

Map drawn from Census Bureau state boundaries and metro locations9,10; dot colours show BEA price levels2.

Side by side

Phoenix, AZVirginia Beach, VA
Price level (U.S. = 100)2103.397.9
$100,000 is worth, in the other city2$94,798 in Virginia Beach$105,488 in Phoenix
Typical 1-bedroom rent3$1,583/mo$1,512/mo
Take-home on $100,00014,15,8$76,889$74,244
State income tax on $100,000 (estimate)8$2,291 (AZ)$4,936 (VA)
Rent burden on $100,00025%24%
Median pay, all jobs4$51,380$49,430
Federal locality pay area7Phoenix-Mesa, AZVirginia Beach-Norfolk, VA-NC

Rent areas: Phoenix-Mesa-Chandler, AZ MSA and Virginia Beach-Norfolk-Newport News, VA-NC HUD Metro FMR Area. Metro areas: Phoenix-Mesa-Chandler, AZ and Virginia Beach-Chesapeake-Norfolk, VA-NC.

What costs more or less

Phoenix, AZVirginia Beach, VA
Price level (U.S. = 100)PhoenixVirginia Beach
Housing (rent)121.299.8
Goods95.096.8
Utilities93.389.6
Other services104.098.6
Overall103.397.9
BEA Regional Price Parities2. Housing covers rents.

Moving with the same $100,000 salary

Phoenix, AZ → Virginia Beach, VA

Same pay goes further

Buying power +5.5%; rent takes 24% of take-home; state tax +$2,645/yr.

86 Strong offer

Virginia Beach, VA → Phoenix, AZ

Same pay buys less

Buying power −5.2%; rent takes 25% of take-home; state tax −$2,645/yr.

52 Fair offer

On the GS pay scale?

Phoenix, AZ is in the Phoenix-Mesa, AZ pay area; Virginia Beach, VA is in Virginia Beach-Norfolk, VA-NC. The last column shows what a transfer from Phoenix, AZ to Virginia Beach, VA at the same grade and step does to real buying power.

Grade5,2Phoenix, AZVirginia Beach, VAReal change, Phoenix → Virginia Beach
GS-9 step 1$64,564$62,640+2.3%
GS-11 step 1$78,117$75,788+2.3%
GS-12 step 1$93,629$90,838+2.3%
GS-13 step 1$111,338$108,019+2.3%
GS-14 step 1$131,568$127,646+2.3%

Pay for common jobs

Median annual pay4Phoenix, AZVirginia Beach, VAVirginia Beach pay in Phoenix dollars
Elementary School Teachers, Except Special Education$59,180$63,380$66,858 (+13.0%)
Software Developers$131,750$129,090$136,174 (+3.4%)
Accountants and Auditors$80,820$79,450$83,810 (+3.7%)
Registered Nurses$100,830$89,450$94,359 (−6.4%)

"Not published" means BLS doesn't release an estimate for that job in that metro.

Check your own offer

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Taxes are estimates for a single filer taking the standard deduction; city and county income taxes are not included. See the methodology.

Notes & Sources

  1. U.S. Census Bureau, Metropolitan Statistical Area population estimates (Vintage 2025) (2025). Retrieved 2026-09-29.
  2. U.S. Bureau of Economic Analysis, Regional Price Parities by MSA (MARPP), all items (2024). Retrieved 2026-09-29.
  3. U.S. Department of Housing and Urban Development, Fair Market Rents, 1-bedroom (2026). Retrieved 2026-09-29.
  4. U.S. Bureau of Labor Statistics, Occupational Employment and Wage Statistics (OEWS), May 2025, metropolitan areas (2025). Retrieved 2026-09-29.
  5. U.S. Office of Personnel Management, General Schedule (GS) pay rates with locality pay, 2026 (2026). Retrieved 2026-09-29.
  6. U.S. Office of Personnel Management, Locality codes used in the 2026 GS pay spreadsheet (2026). Retrieved 2026-09-29.
  7. U.S. Office of Personnel Management, 2026 Locality Pay Area Definitions (counties in each pay area) (2026). Retrieved 2026-09-29.
  8. Tax Foundation, State Individual Income Tax Rates and Brackets, 2026 (2026). Retrieved 2026-09-29.
  9. U.S. Census Bureau, Cartographic boundary file: states, 1:20,000,000 (2024) (2024). Retrieved 2026-09-29.
  10. U.S. Census Bureau, Gazetteer file: core based statistical areas (2025) (2025). Retrieved 2026-09-29.
  11. U.S. Census Bureau, American Community Survey 5-year estimates, 2020-2024, table C24010 (occupation of employed residents) by ZIP code area (2024). Retrieved 2026-09-29.
  12. U.S. Census Bureau, ZIP Code Tabulation Area relationship files (2020; Connecticut 2022) and Gazetteer locations (2025) (2025). Retrieved 2026-09-29.
  13. U.S. Census Bureau, Cartographic boundary files (ZIP code areas 2020; counties and states 2024) and TIGER/Line primary roads (2024) (2024). Retrieved 2026-09-29.
  14. Internal Revenue Service, Rev. Proc. 2025-32 (2026 tax brackets and standard deduction) (2026). Retrieved 2026-09-29.
  15. Internal Revenue Service, Publication 15 (Circular E), Employer's Tax Guide for 2026 (Social Security and Medicare) (2026). Retrieved 2026-09-29.
  16. U.S. Department of Labor, Employment and Training Administration, O*NET 31.0 Database: Job Titles (used under CC BY 4.0; O*NET is a trademark of USDOL/ETA) (2026). Retrieved 2026-10-14.