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Source-led head-to-head · 2024 ACS

Moving from Amarillo to New York

The 2024 ACS 5-year data shows Amarillo has lower median income ($65,912) and housing costs ($196,900 home value, $1,092 rent) with a shorter commute (21 min), while New York has higher income ($80,483) but significantly higher housing costs ($777,600 home value, $1,821 rent) and longer commute (44 min). Amarillo offers better housing affordability relative to income, whereas New York provides higher earnings at the cost of elevated housing expenses and longer travel times. The uniform non-housing baseline of $1,250/month applies equally to both, and state income tax is only modeled for New York at 5.50%, not as a definitive liability.

Corridor Direction & Trade-off Delta

Moving from Amarillo to New York

⇄ Switch to New YorkAmarillo
Median Rent Impact
+$729/mo

Moving to New York costs ~$8,748 more/yr in rent.

State Tax Treatment
+5.5%

~$5,500 more state tax on a $100k salary in New York.

Daily Commute Difference
+23 min / day

Difference of ~192 hours per year spent commuting based on 2024 ACS midpoint averages.

Your move

Compare the life behind the offer.

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What matters most?

Directional estimate using ACS citywide benchmarks. Verified profiles may include a simplified state-tax reference; automatically added profiles exclude state tax until an official reference is approved. Exact tax, benefits, debt, housing, insurance, and personal circumstances may materially change the result.

LIVE VERDICTAMANYC
33/ 100

The offer needs work

The destination absorbs more of the offer.
Estimated annual life delta$2,524after essentials; unverified state tax excluded
Take-home$69,208$75,432
Core costs$28,104$36,852
Commute time180 hours lost
Best gainThe deepest employment market and largest-city scale in the reviewed cohort
Watch closelyThe cohort's longest commute estimate plus a separate New York City resident income tax
See assumptions and methodology →
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The short answer

In the uniform one-person renting baseline, Amarillo is about $8,748 lower per year. This is not a verdict by itself: replace city medians with the actual offer, address, household, benefits, insurance, and tax details before deciding.

Amarillo household income$65,912
New York household income$80,483
Amarillo gross rent$1,092
New York gross rent$1,821

Housing, income, and tax reference

MetricAmarilloNew York
2024 ACS population201,8858,483,844
Median household income$65,912$80,483
Median gross rent$1,092$1,821
Median owner-occupied home value$196,900$777,600
State-tax treatmentExcluded5.5% simplified
Salary & Affordability Benchmark

How much do you need to earn to live in New York?

2024 ACS Median Income

$80,483/yr

30% Rule for RentRecommended
$72,840 / year

To afford New York's median gross rent of $1,821/mo at or below 30% of gross earnings, a household needs approximately $35.02/hour (full-time).

28% Rule for HomeownershipMedian Home
$197,186 / year

Modeled against New York's median home benchmark of $777,600 (estimated $4,601/mo ownership carrying cost at typical 7.1% baseline).

Slide to test your income against local rent, taxes, and essentials.
$80,483gross/year
Affordability Status:Balanced
Rent is 27% of gross income (40% of net pay)

Rent aligns with the standard 30% rule (27% of gross pay). Standard budgeting applies.

Monthly Budget AllocationEstimated Net Take-Home: $4,517/mo
Tax 33%
Rent 27%
Essentials 19%
Savings 21%
Taxes: $2,213/mo Rent: $1,821/mo Essentials: $1,250/mo Discretionary Margin: $1,446/mo

Time and daily routine

The commute-time distribution produces a weighted one-way estimate of about 21 minutes in Amarillo and 44 minutes in New York. This citywide estimate cannot capture a specific route, remote-work schedule, or transit choice, so the calculator converts it into an explicit time difference instead of hiding it in a subjective lifestyle score.

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Decision checklist

  • Median household income relative to local housing costs
  • Median gross rent and owner-occupied home value
  • Average one-way commute time from ACS travel data
  • Modeled state income tax impact on take-home pay

What each city wins

Amarillo

Median rent is 20% of median income.. Watch lower home values may reflect fewer high-end amenities or slower appreciation..

New York

The deepest employment market and largest-city scale in the reviewed cohort. Watch the cohort's longest commute estimate plus a separate new york city resident income tax.

Frequently asked questions

How does housing affordability compare between Amarillo and New York based on income and rent?

In Amarillo, median gross rent is $1,092/month on a $65,912 income, while in New York, rent is $1,821/month on an $80,483 income. Rent consumes a smaller share of income in Amarillo despite lower earnings.

What trade-off exists between income, commute time, and housing costs in these two cities?

New York offers higher median income but requires significantly higher housing spending and longer commutes. Amarillo has lower income but more favorable housing cost-to-income ratio and shorter travel times, improving residual disposable income after housing and transport.

Source boundary: Core figures come from the 2024 ACS five-year tables linked on each city profile. Commute is derived from B08303 midpoint weighting. A state-tax value without an approved official reference is excluded and disclosed. This comparison becomes index-eligible only after its unique analysis clears the content quality gate.

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