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Source-led head-to-head · 2024 ACS

Moving from Rochester to Phoenix

Based on 2024 ACS 5-year data, Phoenix has higher median income ($81,332 vs $47,213) and higher housing costs (rent $1,582 vs $1,081; home value $420,700 vs $139,600) than Rochester. Phoenix also has a longer commute (28 vs 21 minutes) and applies a 2.50% state income tax in the model, while Rochester’s state tax is excluded per data boundaries. The trade-off involves weighing Phoenix’s stronger income against its elevated housing burden, longer commute, and tax inclusion, versus Rochester’s lower costs and shorter commute but significantly lower income. Neither city universally dominates; the better fit depends on individual priorities regarding income, housing affordability, commute time, and tax exposure.

Corridor Direction & Trade-off Delta

Moving from Rochester to Phoenix

⇄ Switch to PhoenixRochester
Median Rent Impact
+$501/mo

Moving to Phoenix costs ~$6,012 more/yr in rent.

State Tax Treatment
+2.5%

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

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.

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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 VERDICTROCPHX
53/ 100

A close, nuanced move

Your modeled annual room improves.
Estimated annual life delta+$3,572after essentials; unverified state tax excluded
Take-home$69,208$78,792
Core costs$27,972$33,984
Commute time55 hours lost
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, 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.

Rochester household income$47,213
Phoenix household income$81,332
Rochester gross rent$1,081
Phoenix gross rent$1,582

Housing, income, and tax reference

MetricRochesterPhoenix
2024 ACS population208,7721,642,323
Median household income$47,213$81,332
Median gross rent$1,081$1,582
Median owner-occupied home value$139,600$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 21 minutes in Rochester 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 and home value
  • One-way commute time
  • State income tax treatment in model

What each city wins

Rochester

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

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 do housing costs compare between the two cities relative to income?

Phoenix’s median gross rent is 46% higher than Rochester’s ($1,582 vs $1,081), but its median household income is 72% higher ($81,332 vs $47,213), suggesting housing is more burdensome in Rochester despite lower absolute costs.

What role does commute time play in the comparison between these cities?

Phoenix residents have a 7-minute longer average one-way commute (28 vs 21 minutes), which may offset some income advantages depending on transportation costs, time value, and access to jobs or services.

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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