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Source-led head-to-head · 2024 ACS

Moving from Phoenix to Birmingham

Phoenix and Birmingham answer different parts of the relocation question. Birmingham 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

Moving from Phoenix to Birmingham

⇄ Switch to BirminghamPhoenix
Median Rent Impact
-$475/mo

Moving to Birmingham saves ~$5,700/yr in rent.

State Tax Treatment
-2.5%

~$2,500 saved in state tax on a $100k salary in Alabama.

Daily Commute Difference
-5 min / day

Difference of ~42 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.

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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 VERDICTPHXBIR
73/ 100

Worth serious consideration

Your modeled annual room improves.
Estimated annual life delta+$20,459after essentials; unverified state tax excluded
Take-home$66,833$81,592
Core costs$33,984$28,284
Commute time39 hours gained
Best gainA median owner-occupied home value of $158,800.
Watch closelyLower median home values pair with a modest median household income of $46,051.
See assumptions and methodology →
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The short answer

In the uniform one-person renting baseline, Birmingham is about $5,700 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.

Phoenix household income$81,332
Birmingham household income$46,051
Phoenix gross rent$1,582
Birmingham gross rent$1,107

Housing, income, and tax reference

MetricPhoenixBirmingham
2024 ACS population1,642,323198,173
Median household income$81,332$46,051
Median gross rent$1,582$1,107
Median owner-occupied home value$420,700$158,800
State-tax treatment2.5% simplifiedExcluded
Salary & Affordability Benchmark

How much do you need to earn to live in Birmingham?

2024 ACS Median Income

$46,051/yr

30% Rule for RentRecommended
$44,280 / year

To afford Birmingham's median gross rent of $1,107/mo at or below 30% of gross earnings, a household needs approximately $21.29/hour (full-time).

28% Rule for HomeownershipMedian Home
$40,286 / year

Modeled against Birmingham's median home benchmark of $158,800 (estimated $940/mo ownership carrying cost at typical 7.1% baseline).

Slide to test your income against local rent, taxes, and essentials.
$46,051gross/year
Affordability Status:Balanced
Rent is 29% of gross income (37% of net pay)

Rent aligns with the standard 30% rule (29% of gross pay). Standard budgeting applies.

Monthly Budget AllocationEstimated Net Take-Home: $2,988/mo
Tax 22%
Rent 29%
Essentials 33%
Savings 16%
Taxes: $844/mo Rent: $1,107/mo Essentials: $1,250/mo Discretionary Margin: $631/mo

Time and daily routine

The commute-time distribution produces a weighted one-way estimate of about 28 minutes in Phoenix and 23 minutes in Birmingham. 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

  • 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

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.

Birmingham

A median owner-occupied home value of $158,800.. Watch lower median home values pair with a modest median household income of $46,051..

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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