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Moving from Tacoma to Phoenix

Based on 2024 ACS 5-year data, Tacoma has a higher median household income ($85,884 vs $81,332) and higher median home value ($479,600 vs $420,700) than Phoenix, but also higher median gross rent ($1,676 vs $1,582). Tacoma’s derived one-way commute is longer at 31 minutes versus Phoenix’s 28 minutes. Phoenix applies a simplified state individual income-tax reference of 2.50% in the calculator, while Tacoma’s state tax is excluded per current model constraints. These trade-offs reflect differing cost-of-living and income dynamics, with Tacoma showing stronger income and home values but higher housing costs and longer commutes, and Phoenix offering lower housing costs and shorter commutes with a modeled tax assumption.

Corridor Direction & Trade-off Delta

Moving from Tacoma to Phoenix

⇄ Switch to PhoenixTacoma
Median Rent Impact
-$94/mo

Moving to Phoenix saves ~$1,128/yr in rent.

State Tax Treatment
+2.5%

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

Daily Commute Difference
-3 min / day

Difference of ~25 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 VERDICTTACPHX
63/ 100

A close, nuanced move

Your modeled annual room improves.
Estimated annual life delta+$10,712after essentials; unverified state tax excluded
Take-home$69,208$78,792
Core costs$35,112$33,984
Commute time24 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, Phoenix is about $1,128 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.

Tacoma household income$85,884
Phoenix household income$81,332
Tacoma gross rent$1,676
Phoenix gross rent$1,582

Housing, income, and tax reference

MetricTacomaPhoenix
2024 ACS population222,7581,642,323
Median household income$85,884$81,332
Median gross rent$1,676$1,582
Median owner-occupied home value$479,600$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 31 minutes in Tacoma 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
  • Median owner-occupied home value
  • Derived one-way commute time
  • State individual income-tax reference in calculator

What each city wins

Tacoma

Median rent consumes roughly 23% of median income.. Watch lower rent than many west coast cities but offset by moderate incomes and commute times..

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

Which city has higher housing costs relative to income?

Tacoma has higher median gross rent ($1,676) and median home value ($479,600) than Phoenix ($1,582 rent, $420,700 value), despite Tacoma’s higher median income ($85,884 vs $81,332), indicating relatively higher housing cost burden in Tacoma.

How do commute times compare between the two cities?

Tacoma’s derived one-way commute estimate is 31 minutes, while Phoenix’s is 28 minutes, based on weighted midpoints from the 2024 ACS table B08303, indicating Phoenix residents have slightly shorter average commutes.

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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