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Moving from San Bernardino to Phoenix

Comparing San Bernardino, California, and Phoenix, Arizona, using 2024 ACS 5-year estimates reveals distinct trade-offs in population scale, income, housing costs, commute times, and taxation. San Bernardino has an estimated population of 222,724, a median household income of $67,415, a median gross rent of $1,508, and a median owner-occupied home value of $422,300, with a derived one-way commute of 32 minutes. Phoenix is substantially larger with 1,642,323 residents, a higher median household income of $81,332, a median gross rent of $1,582, and a slightly lower median home value of $420,700, alongside a shorter 28-minute commute and a simplified 2.50% state individual income-tax reference. Both cities share a uniform non-housing baseline of $1,250 per month. Neither citywide profile establishes neighborhood safety, schools, weather, insurance, or job quality.

Corridor Direction & Trade-off Delta

Moving from San Bernardino to Phoenix

⇄ Switch to PhoenixSan Bernardino
Median Rent Impact
+$74/mo

Moving to Phoenix costs ~$888 more/yr in rent.

State Tax Treatment
+2.5%

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

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.

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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 VERDICTSANPHX
63/ 100

A close, nuanced move

Your modeled annual room improves.
Estimated annual life delta+$8,696after essentials; unverified state tax excluded
Take-home$69,208$78,792
Core costs$33,096$33,984
Commute time31 hours gained
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, 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.

San Bernardino household income$67,415
Phoenix household income$81,332
San Bernardino gross rent$1,508
Phoenix gross rent$1,582

Housing, income, and tax reference

MetricSan BernardinoPhoenix
2024 ACS population222,7241,642,323
Median household income$67,415$81,332
Median gross rent$1,508$1,582
Median owner-occupied home value$422,300$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 32 minutes in San Bernardino 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

  • Population scale difference between San Bernardino and Phoenix
  • Median household income comparison
  • Housing affordability across rent and home values
  • Derived one-way commute duration variance

What each city wins

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..

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 the median household incomes compare between San Bernardino and Phoenix?

According to 2024 ACS 5-year estimates, San Bernardino has a median household income of $67,415, whereas Phoenix has a higher median household income of $81,332.

What are the housing costs and commute times for both cities?

San Bernardino features a median gross rent of $1,508, a median home value of $422,300, and a 32-minute commute. Phoenix has a median gross rent of $1,582, a median home value of $420,700, and a 28-minute commute.

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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