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Source-led head-to-head · 2024 ACS

Moving from Newark to Phoenix

Based on 2024 ACS 5-year data, Phoenix has higher median income ($81,332 vs $52,060) and home value ($420,700 vs $373,700) than Newark, but also higher gross rent ($1,582 vs $1,392). Newark’s longer commute (36 vs 28 minutes) offsets some income advantage, while Phoenix applies a 2.50% state income tax in the model—Newark’s state tax is excluded per source boundaries. These factors create a trade-off where Phoenix offers greater earning potential and home equity but higher housing costs and tax exposure, whereas Newark provides lower housing costs relative to income despite longer commutes and no modeled state tax.

Corridor Direction & Trade-off Delta

Moving from Newark to Phoenix

⇄ Switch to PhoenixNewark
Median Rent Impact
+$190/mo

Moving to Phoenix costs ~$2,280 more/yr in rent.

State Tax Treatment
+2.5%

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

Daily Commute Difference
-8 min / day

Difference of ~67 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 VERDICTNEWPHX
66/ 100

A close, nuanced move

Your modeled annual room improves.
Estimated annual life delta+$7,304after essentials; unverified state tax excluded
Take-home$69,208$78,792
Core costs$31,704$33,984
Commute time63 hours gained
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, Newark is about $2,280 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.

Newark household income$52,060
Phoenix household income$81,332
Newark gross rent$1,392
Phoenix gross rent$1,582

Housing, income, and tax reference

MetricNewarkPhoenix
2024 ACS population310,1781,642,323
Median household income$52,060$81,332
Median gross rent$1,392$1,582
Median owner-occupied home value$373,700$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 36 minutes in Newark 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 owner-occupied home value
  • One-way commute time
  • State individual income tax treatment

What each city wins

Newark

High rent burden. Watch rent vs income balance.

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 does Newark’s lower income compare to Phoenix’s when accounting for housing costs?

Newark’s median income is 36% lower than Phoenix’s, but its gross rent is only 12% lower, meaning housing consumes a larger share of income in Newark despite lower absolute rents.

Why is Phoenix’s state income tax included in the model but Newark’s is not?

Phoenix uses a simplified 2.50% state income tax reference as part of the calculator’s standardized assumption, while Newark’s profile deliberately excludes state tax due to lack of an approved current official reference for automatic inclusion.

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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