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Moving from Toledo to Phoenix

Comparing Toledo, Ohio, and Phoenix, Arizona, using 2024 American Community Survey (ACS) 5-year estimates reveals distinct housing, income, and commute trade-offs. Toledo offers a lower median gross rent of $901 per month and a median owner-occupied home value of $114,500, paired with a median household income of $49,724 and a shorter derived one-way commute of 21 minutes. Conversely, Phoenix features a substantially larger population and higher median household income of $81,332, but comes with increased housing costs, showing a median gross rent of $1,582 and a median home value of $420,700, alongside a 28-minute commute and a simplified state individual income-tax reference of 2.50%. Neither city serves as a universal winner.

Corridor Direction & Trade-off Delta

Moving from Toledo to Phoenix

⇄ Switch to PhoenixToledo
Median Rent Impact
+$681/mo

Moving to Phoenix costs ~$8,172 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 VERDICTTOLPHX
49/ 100

The offer needs work

Your modeled annual room improves.
Estimated annual life delta+$1,412after essentials; unverified state tax excluded
Take-home$69,208$78,792
Core costs$25,812$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, Toledo is about $8,172 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.

Toledo household income$49,724
Phoenix household income$81,332
Toledo gross rent$901
Phoenix gross rent$1,582

Housing, income, and tax reference

MetricToledoPhoenix
2024 ACS population267,4631,642,323
Median household income$49,724$81,332
Median gross rent$901$1,582
Median owner-occupied home value$114,500$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 Toledo 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 differences
  • Gross rent and home values
  • Derived one-way commute duration
  • State individual income-tax reference

What each city wins

Toledo

Rent consumes ~22% of median income, below typical affordability benchmarks.. Watch lower housing costs may reflect tradeoffs in job access, services, or neighborhood conditions not measured in citywide acs data..

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 median gross rents compare between Toledo and Phoenix?

According to 2024 ACS estimates, Toledo has a median gross rent of $901 per month, whereas Phoenix records a higher median gross rent of $1,582 per month.

What are the estimated one-way commutes for Toledo and Phoenix?

Derived from 2024 ACS weighted midpoints, the estimated one-way commute is 21 minutes for Toledo and 28 minutes for Phoenix.

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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