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Moving from Amarillo to Phoenix

The 2024 ACS 5-year estimates show Amarillo has lower median income ($65,912) and housing costs (rent $1,092, home value $196,900) with a shorter commute (21 min), while Phoenix reports higher income ($81,332) but elevated rents ($1,582), home values ($420,700), and longer commutes (28 min). Amarillo’s tax-excluded profile contrasts with Phoenix’s 2.50% modeled state income tax reference, creating a trade-off where Amarillo offers lower housing burden and commute time despite lower earnings, whereas Phoenix provides higher income at the cost of significantly increased housing expenses and commute duration, with no universal winner due to differing household priorities.

Corridor Direction & Trade-off Delta

Moving from Amarillo to Phoenix

⇄ Switch to PhoenixAmarillo
Median Rent Impact
+$490/mo

Moving to Phoenix costs ~$5,880 more/yr in rent.

State Tax Treatment
+2.5%

~$2,500 more state tax on a $100k salary in Arizona.

Daily Commute Difference
+7 min / day

Difference of ~58 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 VERDICTAMAPHX
50/ 100

A close, nuanced move

Your modeled annual room improves.
Estimated annual life delta+$3,704after essentials; unverified state tax excluded
Take-home$69,208$78,792
Core costs$28,104$33,984
Commute time55 hours lost
Best gainA balanced income-to-rent profile with a low flat state-tax reference
Watch closelyThe $420,700 home-value benchmark is materially above Dallas despite similar commute time
See assumptions and methodology →
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The short answer

In the uniform one-person renting baseline, Amarillo is about $5,880 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
Phoenix household income$81,332
Amarillo gross rent$1,092
Phoenix gross rent$1,582

Housing, income, and tax reference

MetricAmarilloPhoenix
2024 ACS population201,8851,642,323
Median household income$65,912$81,332
Median gross rent$1,092$1,582
Median owner-occupied home value$196,900$420,700
State-tax treatmentExcluded2.5% simplified
Salary & Affordability Benchmark

How much do you need to earn to live in Phoenix?

2024 ACS Median Income

$81,332/yr

30% Rule for RentRecommended
$63,280 / year

To afford Phoenix's median gross rent of $1,582/mo at or below 30% of gross earnings, a household needs approximately $30.42/hour (full-time).

28% Rule for HomeownershipMedian Home
$106,671 / year

Modeled against Phoenix's median home benchmark of $420,700 (estimated $2,489/mo ownership carrying cost at typical 7.1% baseline).

Slide to test your income against local rent, taxes, and essentials.
$81,332gross/year
Affordability Status:Comfortable
Rent is 23% of gross income (33% of net pay)

At this income, median rent is only 23% of gross pay, leaving strong room for savings and essentials.

Monthly Budget AllocationEstimated Net Take-Home: $4,768/mo
Tax 30%
Rent 23%
Essentials 18%
Savings 29%
Taxes: $2,033/mo Rent: $1,582/mo Essentials: $1,250/mo Discretionary Margin: $1,936/mo

Time and daily routine

The commute-time distribution produces a weighted one-way estimate of about 21 minutes in Amarillo and 28 minutes in Phoenix. 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 disparity
  • Housing cost relative to earnings
  • Commute time difference
  • Modeled state income tax reference

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..

Phoenix

A balanced income-to-rent profile with a low flat state-tax reference. Watch the $420,700 home-value benchmark is materially above dallas despite similar commute time.

Frequently asked questions

How do housing costs compare between Amarillo and Phoenix relative to income?

In Amarillo, median gross rent is $1,092 (19.9% of $65,912 income), while in Phoenix it is $1,582 (23.3% of $81,332 income), indicating a slightly higher rent burden in Phoenix despite higher earnings.

What is the trade-off between commute time and income in these two cities?

Phoenix offers $15,420 more in median household income than Amarillo but requires 7 additional minutes of one-way commute time daily, presenting a time-earnings trade-off where higher pay comes with longer travel.

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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