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Source-led head-to-head · 2024 ACS

Moving from Phoenix to San Bernardino

Phoenix and San Bernardino answer different parts of the relocation question. San Bernardino 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 San Bernardino

⇄ Switch to San BernardinoPhoenix
Median Rent Impact
-$74/mo

Moving to San Bernardino saves ~$888/yr in rent.

State Tax Treatment
-2.5%

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

Daily Commute Difference
+4 min / day

Difference of ~33 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 VERDICTPHXSAN
64/ 100

A close, nuanced move

Your modeled annual room improves.
Estimated annual life delta+$15,647after essentials; unverified state tax excluded
Take-home$66,833$81,592
Core costs$33,984$33,096
Commute time31 hours lost
Best gainMedian gross rent stands at $1,508 per month according to 2024 ACS data.
Watch closelyA derived 32-minute one-way commute contrasts with citywide housing costs.
See assumptions and methodology →
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The short answer

In the uniform one-person renting baseline, San Bernardino is about $888 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
San Bernardino household income$67,415
Phoenix gross rent$1,582
San Bernardino gross rent$1,508

Housing, income, and tax reference

MetricPhoenixSan Bernardino
2024 ACS population1,642,323222,724
Median household income$81,332$67,415
Median gross rent$1,582$1,508
Median owner-occupied home value$420,700$422,300
State-tax treatment2.5% simplifiedExcluded
Salary & Affordability Benchmark

How much do you need to earn to live in San Bernardino?

2024 ACS Median Income

$67,415/yr

30% Rule for RentRecommended
$60,320 / year

To afford San Bernardino's median gross rent of $1,508/mo at or below 30% of gross earnings, a household needs approximately $29.00/hour (full-time).

28% Rule for HomeownershipMedian Home
$107,100 / year

Modeled against San Bernardino's median home benchmark of $422,300 (estimated $2,499/mo ownership carrying cost at typical 7.1% baseline).

Slide to test your income against local rent, taxes, and essentials.
$67,415gross/year
Affordability Status:Balanced
Rent is 27% of gross income (34% of net pay)

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

Monthly Budget AllocationEstimated Net Take-Home: $4,374/mo
Tax 22%
Rent 27%
Essentials 22%
Savings 29%
Taxes: $1,236/mo Rent: $1,508/mo Essentials: $1,250/mo Discretionary Margin: $1,616/mo

Time and daily routine

The commute-time distribution produces a weighted one-way estimate of about 28 minutes in Phoenix and 32 minutes in San Bernardino. 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.

San Bernardino

Median gross rent stands at $1,508 per month according to 2024 ACS data.. Watch a derived 32-minute one-way commute contrasts with citywide housing costs..

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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