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Moving from Irving to New York

Based on 2024 ACS 5-year estimates, Irving, TX has a higher median household income ($81,830) than New York, NY ($80,483), but significantly lower housing costs: median gross rent is $1,619 vs. $1,821 and median home value is $315,600 vs. $777,600. Irving also has a shorter average one-way commute (26 minutes vs. 44 minutes). New York applies a simplified state individual income-tax reference of 5.50% in the calculator, while Texas state individual income tax is excluded per profile boundaries. These factors create a trade-off where Irving offers stronger income relative to housing and commute efficiency, whereas New York provides urban scale and amenities at a higher cost-of-living burden.

Corridor Direction & Trade-off Delta

Moving from Irving to New York

⇄ Switch to New YorkIrving
Median Rent Impact
+$202/mo

Moving to New York costs ~$2,424 more/yr in rent.

State Tax Treatment
+5.5%

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

Daily Commute Difference
+18 min / day

Difference of ~150 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 VERDICTIRVNYC
43/ 100

The offer needs work

Your modeled annual room improves.
Estimated annual life delta+$3,800after essentials; unverified state tax excluded
Take-home$69,208$75,432
Core costs$34,428$36,852
Commute time141 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, Irving is about $2,424 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.

Irving household income$81,830
New York household income$80,483
Irving gross rent$1,619
New York gross rent$1,821

Housing, income, and tax reference

MetricIrvingNew York
2024 ACS population256,4928,483,844
Median household income$81,830$80,483
Median gross rent$1,619$1,821
Median owner-occupied home value$315,600$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 26 minutes in Irving 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 favors Irving slightly
  • Housing costs (rent and home value) are substantially lower in Irving
  • Average one-way commute is shorter in Irving by 18 minutes
  • New York applies a 5.50% state income-tax reference in the model; Texas has none in this profile

What each city wins

Irving

Median rent is 23.7% of median income.. Watch higher home values may reflect long-term equity potential despite monthly costs..

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 do housing costs compare between Irving and New York?

Irving’s median gross rent is $1,619 per month and median owner-occupied home value is $315,600, both notably lower than New York’s $1,821 median gross rent and $777,600 median home value, according to 2024 ACS 5-year data.

What is the difference in commute times between the two cities?

Irving’s derived one-way commute estimate is 26 minutes, while New York’s is 44 minutes — an 18-minute difference favoring Irving, based on weighted midpoints from the 2024 ACS table B08303.

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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