Source-led head-to-head · 2024 ACS
Moving from New York to Modesto
New York and Modesto answer different parts of the relocation question. Modesto has the lower default annual core-cost model, while the salary, excluded state-tax assumption, and rent-versus-buy choice can reverse that result. Use the citywide ACS figures as reference points, then replace them with the actual offer and housing quote.
Corridor Direction & Trade-off Delta
⇄ Switch to Modesto → New YorkMoving from New York to Modesto
Median Rent Impact
-$131/mo
Moving to Modesto saves ~$1,572/yr in rent.
State Tax Treatment
-5.5%
~$5,500 saved in state tax on a $100k salary in California.
Daily Commute Difference
-13 min / day
Difference of ~108 hours per year spent commuting based on 2024 ACS midpoint averages.
Your move
Compare the life behind the offer.
Adjust the assumptions. Every result updates instantly.
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 VERDICTNYC → MOD
79/ 100
Worth serious consideration
Your modeled annual room improves.Estimated annual life delta+$19,181after essentials; unverified state tax excluded
Best gainA median owner-occupied home value of $442,700.
Watch closelyA 31-minute derived one-way commute.
The short answer
In the uniform one-person renting baseline, Modesto is about $1,572 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.
New York household income$80,483
Modesto household income$79,891
New York gross rent$1,821
Modesto gross rent$1,690
Housing, income, and tax reference
| Metric | New York | Modesto |
|---|---|---|
| 2024 ACS population | 8,483,844 | 219,215 |
| Median household income | $80,483 | $79,891 |
| Median gross rent | $1,821 | $1,690 |
| Median owner-occupied home value | $777,600 | $442,700 |
| State-tax treatment | 5.5% simplified | Excluded |
Time and daily routine
The commute-time distribution produces a weighted one-way estimate of about 44 minutes in New York and 31 minutes in Modesto. 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
- Compare actual offers rather than city medians
- Verify neighborhood housing against the citywide ACS benchmark
- Treat renting and buying as separate decisions
- Use the route-specific commute, not only the city estimate
What each city wins
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.
Modesto
A median owner-occupied home value of $442,700.. Watch a 31-minute derived one-way commute..
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.