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Source-led head-to-head · 2024 ACS

Moving from Santa Ana to New York

Based on 2024 ACS 5-year data, Santa Ana has a higher median household income ($93,999) than New York City ($80,483), but NYC has a lower median gross rent ($1,821 vs. $2,082). Santa Ana’s median home value is lower ($713,000 vs. $777,600), and its commute is shorter (27 vs. 44 minutes). NYC applies a simplified 5.50% state income tax in the model, while Santa Ana’s state tax is excluded per data boundaries. These factors create a trade-off: Santa Ana offers higher income and shorter commutes but higher rents; NYC offers lower rents and home values relative to income, longer commutes, and a modeled tax burden. Neither city dominates across all metrics.

Corridor Direction & Trade-off Delta

Moving from Santa Ana to New York

⇄ Switch to New YorkSanta Ana
Median Rent Impact
-$261/mo

Moving to New York saves ~$3,132/yr in rent.

State Tax Treatment
+5.5%

~$5,500 more state tax on a $100k salary in New York.

Daily Commute Difference
+17 min / day

Difference of ~142 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 VERDICTSANNYC
50/ 100

A close, nuanced move

Your modeled annual room improves.
Estimated annual life delta+$9,356after essentials; unverified state tax excluded
Take-home$69,208$75,432
Core costs$39,984$36,852
Commute time133 hours lost
Best gainThe deepest employment market and largest-city scale in the reviewed cohort
Watch closelyThe cohort's longest commute estimate plus a separate New York City resident income tax
See assumptions and methodology →
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The short answer

In the uniform one-person renting baseline, New York is about $3,132 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.

Santa Ana household income$93,999
New York household income$80,483
Santa Ana gross rent$2,082
New York gross rent$1,821

Housing, income, and tax reference

MetricSanta AnaNew York
2024 ACS population312,5348,483,844
Median household income$93,999$80,483
Median gross rent$2,082$1,821
Median owner-occupied home value$713,000$777,600
State-tax treatmentExcluded5.5% simplified
Salary & Affordability Benchmark

How much do you need to earn to live in New York?

2024 ACS Median Income

$80,483/yr

30% Rule for RentRecommended
$72,840 / year

To afford New York's median gross rent of $1,821/mo at or below 30% of gross earnings, a household needs approximately $35.02/hour (full-time).

28% Rule for HomeownershipMedian Home
$197,186 / year

Modeled against New York's median home benchmark of $777,600 (estimated $4,601/mo ownership carrying cost at typical 7.1% baseline).

Slide to test your income against local rent, taxes, and essentials.
$80,483gross/year
Affordability Status:Balanced
Rent is 27% of gross income (40% of net pay)

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

Monthly Budget AllocationEstimated Net Take-Home: $4,517/mo
Tax 33%
Rent 27%
Essentials 19%
Savings 21%
Taxes: $2,213/mo Rent: $1,821/mo Essentials: $1,250/mo Discretionary Margin: $1,446/mo

Time and daily routine

The commute-time distribution produces a weighted one-way estimate of about 27 minutes in Santa Ana and 44 minutes in New York. 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
  • Median owner-occupied home value
  • One-way commute time
  • Modeled state income tax

What each city wins

Santa Ana

Median rent consumes over a quarter of median income.. Watch higher home values may reflect long-term equity but increase entry barriers..

New York

The deepest employment market and largest-city scale in the reviewed cohort. Watch the cohort's longest commute estimate plus a separate new york city resident income tax.

Frequently asked questions

Which city has higher housing costs relative to income?

Santa Ana has a higher median gross rent ($2,082) compared to NYC ($1,821), and despite Santa Ana’s higher median income ($93,999 vs. $80,483), the rent-to-income ratio is slightly less favorable in Santa Ana when considering gross rent alone.

How do commute times compare between the two cities?

Santa Ana residents have a significantly shorter estimated one-way commute of 27 minutes, while New York City residents face a longer average commute of 44 minutes, based on 2024 ACS weighted midpoint calculations from table B08303.

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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