Source-led head-to-head · 2024 ACS
Moving from McKinney to New York
Based on 2024 ACS 5-year data, McKinney has a higher median household income ($124,215) and lower median gross rent ($1,901) compared to New York City ($80,483 income, $1,821 rent), but NYC has higher home values ($777,600 vs $471,800). McKinney’s shorter commute (30 min vs 44 min) and absence of state income tax in the model favor affordability and time, while NYC’s density and transit trade off against higher housing costs relative to income.
Corridor Direction & Trade-off Delta
⇄ Switch to New York → McKinneyMoving from McKinney to New York
Median Rent Impact
-$80/mo
Moving to New York saves ~$960/yr in rent.
State Tax Treatment
+5.5%
~$5,500 more state tax on a $100k salary in New York.
Daily Commute Difference
+14 min / day
Difference of ~117 hours per year spent commuting based on 2024 ACS midpoint averages.
Your move
Compare the life behind the offer.
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Search all 32,330 U.S. Census places directly below.Instant results use official 2024 ACS place data. Places with incomplete required signals remain visible in search but cannot be selected.
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 VERDICTMCK → NYC
46/ 100
The offer needs work
Your modeled annual room improves.Estimated annual life delta+$7,184after essentials; unverified state tax excluded
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
The short answer
In the uniform one-person renting baseline, New York is about $960 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.
McKinney household income$124,215
New York household income$80,483
McKinney gross rent$1,901
New York gross rent$1,821
Housing, income, and tax reference
| Metric | McKinney | New York |
|---|---|---|
| 2024 ACS population | 210,600 | 8,483,844 |
| Median household income | $124,215 | $80,483 |
| Median gross rent | $1,901 | $1,821 |
| Median owner-occupied home value | $471,800 | $777,600 |
| State-tax treatment | Excluded | 5.5% simplified |
Time and daily routine
The commute-time distribution produces a weighted one-way estimate of about 30 minutes in McKinney 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.
Decision checklist
- Median household income
- Median gross rent
- Median owner-occupied home value
- One-way commute time
- State individual income tax assumption
What each city wins
McKinney
Median home value is nearly 3.8 times median household income.. Watch higher income supports housing costs but may reflect tradeoffs in commute or non-housing expenses..
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
Which city has a better income-to-rent ratio based on 2024 ACS data?
McKinney has a more favorable income-to-rent ratio: median income covers about 65.3 months of rent, compared to NYC’s 44.2 months, indicating greater relative housing affordability in McKinney.
How does commute time affect the overall livability comparison between these cities?
McKinney’s average one-way commute is 30 minutes, 14 minutes less than NYC’s 44 minutes, translating to over 4.5 fewer hours per week spent commuting, which may improve time availability and reduce transportation stress.
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.