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Source-led head-to-head · 2024 ACS

Moving from Mobile to Phoenix

Based on 2024 ACS 5-year data, Phoenix has higher median income ($81,332 vs $53,558) and higher housing costs (rent $1,582 vs $1,068; home value $420,700 vs $193,300) than Mobile. Phoenix also has a slightly longer commute (28 vs 25 minutes) and applies a 2.50% state income tax in the model, while Mobile’s state tax is excluded per data boundaries. The trade-off reflects Phoenix’s stronger earnings potential offset by elevated living costs and tax considerations, whereas Mobile offers lower income but more affordable housing and shorter commutes, with no modeled state income tax burden in this comparison.

Corridor Direction & Trade-off Delta

Moving from Mobile to Phoenix

⇄ Switch to PhoenixMobile
Median Rent Impact
+$514/mo

Moving to Phoenix costs ~$6,168 more/yr in rent.

State Tax Treatment
+2.5%

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

Daily Commute Difference
+3 min / day

Difference of ~25 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 VERDICTMOBPHX
54/ 100

A close, nuanced move

Your modeled annual room improves.
Estimated annual life delta+$3,416after essentials; unverified state tax excluded
Take-home$69,208$78,792
Core costs$27,816$33,984
Commute time23 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, Mobile is about $6,168 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.

Mobile household income$53,558
Phoenix household income$81,332
Mobile gross rent$1,068
Phoenix gross rent$1,582

Housing, income, and tax reference

MetricMobilePhoenix
2024 ACS population203,4161,642,323
Median household income$53,558$81,332
Median gross rent$1,068$1,582
Median owner-occupied home value$193,300$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 25 minutes in Mobile 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 home value
  • One-way commute time
  • Modeled state income tax

What each city wins

Mobile

Median rent is $1,068/month; median home value is $193,300.. Watch lower home values may reflect tradeoffs in job access or neighborhood amenities not captured in citywide data..

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 Mobile and Phoenix?

Phoenix’s median gross rent is $1,582 per month, 48% higher than Mobile’s $1,068, and median home value is $420,700 versus Mobile’s $193,300, reflecting significantly higher housing expenses in Phoenix.

What role does income and tax play in the cost-of-living comparison?

Phoenix residents earn 52% more in median household income but face a modeled 2.50% state income tax, while Mobile has no state tax in the model; this partially offsets Phoenix’s higher earnings when evaluating net affordability.

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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