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Napa. Phoenix offers nothing special to me and water will be a worse issue in the near future. Tampa is deep in a hurricane zone and is nowhere near a snowy place. Napa may be small town territory, but it's close to both San Francisco and the Sierra Nevada. Plus it's further from any disaster prone area.
If the salary is the same, then Phoenix, hands down. Your money will go a lot further there. If you do live in Phoenix though, find a nice part of town to live in-- stay out of the dumpier areas. Napa sounds great to visit, but to live there? Phoenix, even though it's in Arizona, might as well be in California, it's so close. There are so many CA transplants there you feel like you're in LA-- just without the ocean. As for Tampa, or anything else in south Florida-- no thanks.
Napa for me. It's beautiful and clean and the weather is perfect for me. Plus it's close to beautiful charming San Francisco. The other two just don't interest me at all.
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. Under 60k, Tampa. Under 100k, Phoenix. Anything above, Napa.
