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Source-led head-to-head · 2024 ACS

Moving from Phoenix to Knoxville

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

⇄ Switch to KnoxvillePhoenix
Median Rent Impact
-$391/mo

Moving to Knoxville saves ~$4,692/yr in rent.

State Tax Treatment
-2.5%

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

Daily Commute Difference
-6 min / day

Difference of ~50 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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Instant results use official 2024 ACS place data. Places with incomplete required signals remain visible in search but cannot be selected.

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 VERDICTPHXKNO
73/ 100

Worth serious consideration

Your modeled annual room improves.
Estimated annual life delta+$19,451after essentials; unverified state tax excluded
Take-home$66,833$81,592
Core costs$33,984$29,292
Commute time47 hours gained
Best gainRent-to-income ratio is near typical affordability benchmarks.
Watch closelyLower home values may reflect trade-offs in job access or amenities.
See assumptions and methodology →
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The short answer

In the uniform one-person renting baseline, Knoxville is about $4,692 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
Knoxville household income$54,039
Phoenix gross rent$1,582
Knoxville gross rent$1,191

Housing, income, and tax reference

MetricPhoenixKnoxville
2024 ACS population1,642,323195,185
Median household income$81,332$54,039
Median gross rent$1,582$1,191
Median owner-occupied home value$420,700$239,700
State-tax treatment2.5% simplifiedExcluded
Salary & Affordability Benchmark

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

2024 ACS Median Income

$54,039/yr

30% Rule for RentRecommended
$47,640 / year

To afford Knoxville's median gross rent of $1,191/mo at or below 30% of gross earnings, a household needs approximately $22.90/hour (full-time).

28% Rule for HomeownershipMedian Home
$60,771 / year

Modeled against Knoxville's median home benchmark of $239,700 (estimated $1,418/mo ownership carrying cost at typical 7.1% baseline).

Slide to test your income against local rent, taxes, and essentials.
$54,039gross/year
Affordability Status:Balanced
Rent is 26% of gross income (34% of net pay)

Rent aligns with the standard 30% rule (26% of gross pay). Standard budgeting applies.

Monthly Budget AllocationEstimated Net Take-Home: $3,506/mo
Tax 22%
Rent 26%
Essentials 28%
Savings 24%
Taxes: $991/mo Rent: $1,191/mo Essentials: $1,250/mo Discretionary Margin: $1,065/mo

Time and daily routine

The commute-time distribution produces a weighted one-way estimate of about 28 minutes in Phoenix and 22 minutes in Knoxville. 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.

Knoxville

Rent-to-income ratio is near typical affordability benchmarks.. Watch lower home values may reflect trade-offs in job access or amenities..

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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