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Source-led head-to-head · 2024 ACS

Moving from Lincoln to New York

Based on 2024 ACS 5-year data, Lincoln, NE has a median household income of $71,867, median gross rent of $1,086, and a 20-minute commute. New York, NY reports $80,483 income, $1,821 rent, and a 44-minute commute. While New York offers higher income, its housing costs are 68% above Lincoln’s and commute time more than doubles. Lincoln provides a more favorable income-to-housing ratio and significantly shorter commute, though New York’s income advantage partially offsets its elevated costs. No universal winner is declared, as trade-offs depend on individual priorities regarding space, time, and cost tolerance.

Corridor Direction & Trade-off Delta

Moving from Lincoln to New York

⇄ Switch to New YorkLincoln
Median Rent Impact
+$735/mo

Moving to New York costs ~$8,820 more/yr in rent.

State Tax Treatment
+5.5%

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

Daily Commute Difference
+24 min / day

Difference of ~200 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 VERDICTLINNYC
32/ 100

The offer needs work

The destination absorbs more of the offer.
Estimated annual life delta$2,596after essentials; unverified state tax excluded
Take-home$69,208$75,432
Core costs$28,032$36,852
Commute time188 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, Lincoln is about $8,820 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.

Lincoln household income$71,867
New York household income$80,483
Lincoln gross rent$1,086
New York gross rent$1,821

Housing, income, and tax reference

MetricLincolnNew York
2024 ACS population294,8568,483,844
Median household income$71,867$80,483
Median gross rent$1,086$1,821
Median owner-occupied home value$264,000$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 20 minutes in Lincoln 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 comparison
  • Median gross rent affordability
  • One-way commute time duration
  • State individual income tax rate assumption

What each city wins

Lincoln

Rent-to-income ratio is favorable at ~18%.. Watch lower housing costs may reflect tradeoffs in job quality or amenities not captured in acs data..

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 cost relative to income compare between the two cities?

In Lincoln, median gross rent represents about 18% of median household income, while in New York, it accounts for roughly 27%, indicating Lincoln offers a more favorable rent-to-income ratio based on 2024 ACS data.

What is the trade-off between commute time and income when comparing these cities?

New York workers earn about 12% more than Lincoln residents on average but spend over twice as long commuting—44 versus 20 minutes one-way—highlighting a significant time-cost trade-off in favor of Lincoln for time-sensitive households.

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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