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Source-led head-to-head · 2024 ACS

Moving from Gilbert to Phoenix

Gilbert and Phoenix both use 2024 ACS 5-year data. Gilbert has higher median income ($122,551 vs $81,332) and higher housing costs (rent $2,110, home value $575,100) than Phoenix (rent $1,582, home value $420,700). Commute times are similar (27 vs 28 minutes). Gilbert’s higher income offsets its higher housing burden, while Phoenix offers lower housing costs but lower income. The calculator excludes state tax for Gilbert and uses a simplified 2.50% reference for Phoenix, which is not a liability estimate. No universal winner is declared as trade-offs depend on individual priorities.

Corridor Direction & Trade-off Delta

Moving from Gilbert to Phoenix

⇄ Switch to PhoenixGilbert
Median Rent Impact
-$528/mo

Moving to Phoenix saves ~$6,336/yr in rent.

State Tax Treatment
+2.5%

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

Daily Commute Difference
+1 min / day

Difference of ~8 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 VERDICTGILPHX
65/ 100

A close, nuanced move

Your modeled annual room improves.
Estimated annual life delta+$15,920after essentials; unverified state tax excluded
Take-home$69,208$78,792
Core costs$40,320$33,984
Commute time8 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, Phoenix is about $6,336 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.

Gilbert household income$122,551
Phoenix household income$81,332
Gilbert gross rent$2,110
Phoenix gross rent$1,582

Housing, income, and tax reference

MetricGilbertPhoenix
2024 ACS population280,2621,642,323
Median household income$122,551$81,332
Median gross rent$2,110$1,582
Median owner-occupied home value$575,100$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 27 minutes in Gilbert 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
  • Median gross rent
  • Median owner-occupied home value
  • One-way commute time

What each city wins

Gilbert

Rent-to-income ratio is approximately 20.6% based on citywide medians.. Watch higher home values may reflect long-term equity potential despite elevated monthly housing costs..

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 Gilbert and Phoenix?

Gilbert’s median gross rent is $2,110 per month and median home value is $575,100, both higher than Phoenix’s $1,582 rent and $420,700 home value, based on 2024 ACS 5-year estimates.

What is the difference in median household income between the two cities?

Gilbert’s median household income is $122,551, which is $41,219 higher than Phoenix’s $81,332, according to the 2024 ACS 5-year data.

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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