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Source-led head-to-head · 2024 ACS

Moving from Phoenix to Rochester

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

⇄ Switch to RochesterPhoenix
Median Rent Impact
-$501/mo

Moving to Rochester saves ~$6,012/yr in rent.

State Tax Treatment
-2.5%

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

Daily Commute Difference
-7 min / day

Difference of ~58 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 VERDICTPHXROC
74/ 100

Worth serious consideration

Your modeled annual room improves.
Estimated annual life delta+$20,771after essentials; unverified state tax excluded
Take-home$66,833$81,592
Core costs$33,984$27,972
Commute time55 hours gained
Best gainHousing costs align closely with local income levels.
Watch closelyAffordability may reflect lower income levels rather than low housing costs alone.
See assumptions and methodology →
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The short answer

In the uniform one-person renting baseline, Rochester is about $6,012 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
Rochester household income$47,213
Phoenix gross rent$1,582
Rochester gross rent$1,081

Housing, income, and tax reference

MetricPhoenixRochester
2024 ACS population1,642,323208,772
Median household income$81,332$47,213
Median gross rent$1,582$1,081
Median owner-occupied home value$420,700$139,600
State-tax treatment2.5% simplifiedExcluded
Salary & Affordability Benchmark

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

2024 ACS Median Income

$47,213/yr

30% Rule for RentRecommended
$43,240 / year

To afford Rochester's median gross rent of $1,081/mo at or below 30% of gross earnings, a household needs approximately $20.79/hour (full-time).

28% Rule for HomeownershipMedian Home
$35,400 / year

Modeled against Rochester's median home benchmark of $139,600 (estimated $826/mo ownership carrying cost at typical 7.1% baseline).

Slide to test your income against local rent, taxes, and essentials.
$47,213gross/year
Affordability Status:Balanced
Rent is 27% of gross income (35% of net pay)

Rent aligns with the standard 30% rule (27% of gross pay). Standard budgeting applies.

Monthly Budget AllocationEstimated Net Take-Home: $3,063/mo
Tax 22%
Rent 27%
Essentials 32%
Savings 19%
Taxes: $866/mo Rent: $1,081/mo Essentials: $1,250/mo Discretionary Margin: $732/mo

Time and daily routine

The commute-time distribution produces a weighted one-way estimate of about 28 minutes in Phoenix and 21 minutes in Rochester. 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.

Rochester

Housing costs align closely with local income levels.. Watch affordability may reflect lower income levels rather than low housing costs alone..

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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