2026 Relocation & Cost Arbitrage Engine

Relocation: Baltimore-Columbia, MD to Houston-Pasadena, TX

Data updated · Sources: HUD FY 2027 Fair Market Rents, EPI 2026 Family Budget, 2026 tax tables · Methodology

Income tax, HUD Fair Market Rents and EPI living costs for a move from Baltimore-Columbia-Towson, MD to Houston-Pasadena-The Woodlands, TX.

Popular Corridors:
Equivalent Salary
$87,100
To maintain parity
Cost of Living Delta
-12.9%
Overall expenditure basket
Annual Tax Delta
+$7,377
State + local taxes
Annual 1BR Rent Delta
-$4,368
HUD Fair Market Rents
Net Annual Buffer
+$11,745/yr
Tax + housing gain

Interactive Purchasing Power Equivalency Workbench

Adjust your current salary at origin to dynamically compute the statutory tax burden, housing costs, and discretionary cash in both markets.

Presets:
$
$30,000 $100,000 $200,000 $300,000
Origin Location

Baltimore-Columbia-Towson, MD

COL 123.3
Gross Annual Income $100,000
Federal Income Tax -$13,170
FICA (SS & Medicare) -$7,650
State Income Tax -$4,386
Local / City Tax -$2,990
Net Annual Take-Home $71,803
HUD 1BR Fair Market Rent -$19,500
Discretionary Cash Flow $52,303
Target Market
Destination Location

Houston-Pasadena-The Woodlands, TX

COL 107.4
Gross Parity Income $87,100
Federal Income Tax -$10,332
FICA (SS & Medicare) -$6,663
State Income Tax $0 (No State Tax)
Local / City Tax $0
Net Annual Take-Home $70,105
HUD 1BR Fair Market Rent -$15,132
Discretionary Cash Flow $54,973

EPI family budgets put living costs 12.9% lower in Houston-Pasadena-The Woodlands, TX than in Baltimore-Columbia-Towson, MD, so $100,000 in Baltimore goes about as far as $87,100 in Houston. HUD's one-bedroom Fair Market Rent is $1,625 a month in Baltimore and $1,261 in Houston, $4,368 a year less. On the same $100,000 salary a single filer pays $7,377 less a year in federal, state and local income tax and FICA in Houston. Taxes and one-bedroom rent together leave you about $11,745 a year better off. The BLS median wage across all occupations is $59,070 in Baltimore and $49,410 in Houston.

Itemized Cost of Living Expenditure Arbitrage

Category-by-category breakdown of monthly baseline consumption between origin and destination.

Expenditure Category Baltimore-Columbia-Towson (Monthly) Houston-Pasadena-The Woodlands (Monthly) Monthly Delta ($) Difference (%)
Housing (1BR Fair Market Rent)$1,625$1,261-$364-22.4%
Food & Groceries$384$321-$63-16.4%
Transportation$1,036$1,015-$21-2.0%
Healthcare$358$422+$64+17.9%
Other Necessities$556$480-$76-13.7%
Total Taxes (Federal, State, Local, FICA)$2,350$1,735-$615-26.2%

HUD Fair Market Rent Differential

1-Bedroom Fair Market Rent -$364/mo (-22.4%)
Baltimore-Columbia-Towson: $1,625/mo Houston-Pasadena-The Woodlands: $1,261/mo
2-Bedroom Fair Market Rent -$509/mo (-25.4%)
Baltimore-Columbia-Towson: $2,006/mo Houston-Pasadena-The Woodlands: $1,497/mo

EPI Living Wage Benchmark Comparison

1 Adult (No Children) -$3.52/hr (-12.9%)
Baltimore-Columbia-Towson: $27.27/hr Houston-Pasadena-The Woodlands: $23.75/hr
2 Adults + 1 Child (per earner) -$4.67/hr (-18.5%)
Baltimore-Columbia-Towson: $25.25/hr Houston-Pasadena-The Woodlands: $20.58/hr

Top Local Occupations Wage Parity

BLS median wage comparisons across benchmark roles between both metropolitan labor markets.

Occupation Title Industry Sector Baltimore-Columbia-Towson Median Houston-Pasadena-The Woodlands Median Nominal Wage Delta Action
General and Operations ManagersFinance & ManagementFinance & Management$117,040$119,600+$2,560 (+2.2%)View Dossier
Registered Nurse (RN)HealthcareHealthcare$99,550$99,830+$280 (+0.3%)View Dossier
Project Management SpecialistBusiness OperationsBusiness Operations$103,720$99,510-$4,210 (-4.1%)View Dossier
Accountant & AuditorFinanceFinance$85,160$85,090-$70 (-0.1%)View Dossier
Software EngineerTechnologyTechnology$138,900$129,440-$9,460 (-6.8%)View Dossier
Financial ManagerFinanceFinance$157,990$166,910+$8,920 (+5.6%)View Dossier
ElectricianSkilled TradesSkilled Trades$65,590$59,180-$6,410 (-9.8%)View Dossier
Solutions ArchitectTechnologyTechnology$135,600$105,440-$30,160 (-22.2%)View Dossier
Medical and Health Services ManagersFinance & ManagementFinance & Management$124,990$124,400-$590 (-0.5%)View Dossier
Computer and Information Systems ManagersFinance & ManagementFinance & Management$168,520$172,160+$3,640 (+2.2%)View Dossier
Industrial Machinery MechanicIndustrial ManufacturingIndustrial Manufacturing$74,580$63,180-$11,400 (-15.3%)View Dossier
Construction ManagersFinance & ManagementFinance & Management$121,490$103,530-$17,960 (-14.8%)View Dossier

Major US Inter-Metro Relocation Corridors

Empirical cost differentials and statutory tax savings across high-volume migration routes.

New York-Newark-Jersey City → Austin-Round Rock-San Marcos

On $100k: $8,301 less tax and $14,388 less 1BR rent a year

-30.6% COL+$22,689/yr
San Francisco-Oakland-Fremont → Austin-Round Rock-San Marcos

On $100k: $6,211 less tax and $17,676 less 1BR rent a year

-30.4% COL+$23,887/yr
Chicago-Naperville-Elgin → Dallas-Fort Worth-Arlington

On $100k: $4,805 less tax and $2,928 less 1BR rent a year

-2.2% COL+$7,733/yr
San Francisco-Oakland-Fremont → Columbus

On $100k: $1,729 less tax and $19,884 less 1BR rent a year

-41.0% COL+$21,613/yr
Los Angeles-Long Beach-Anaheim → Phoenix-Mesa-Chandler

On $100k: $4,113 less tax and $10,908 less 1BR rent a year

-13.5% COL+$15,021/yr
Seattle-Tacoma-Bellevue → Denver-Aurora-Centennial

On $100k: $3,761 more tax and $4,188 less 1BR rent a year

-13.6% COL+$427/yr
Boston-Cambridge-Newton → Raleigh-Cary

On $100k: $1,299 less tax and $11,592 less 1BR rent a year

-16.2% COL+$12,891/yr
New York-Newark-Jersey City → Miami-Fort Lauderdale-West Palm Beach

On $100k: $8,301 less tax and $7,296 less 1BR rent a year

-27.3% COL+$15,597/yr

Baltimore-Columbia-Towson, MD to Houston-Pasadena-The Woodlands, TX Relocation FAQs

About $87,100. That scales $100,000 by the ratio of the metros' cost-of-living indexes (123.3 in Baltimore-Columbia-Towson, MD, 107.4 in Houston-Pasadena-The Woodlands, TX, from EPI family budgets); taxes are compared separately below.

Triangular Relocation & Tax Silo

Baltimore-Columbia-Towson, MD to Houston-Pasadena-The Woodlands, TX: State Paychecks, Rents & Reciprocal Corridor

Reverse Route: Houston-Pasadena-The Woodlands, TX to Baltimore-Columbia-Towson, MD
Relocation: Baltimore-Columbia, MD to Houston-Pasadena, TX Overview

Baltimore-Columbia-Towson, MD to Houston-Pasadena-The Woodlands, TX: 2026 federal, state & local income tax, HUD Fair Market Rents & EPI living costs compared. Official 2026 economic data for Relocation: Baltimore-Columbia, MD to Houston-Pasadena, TX compiled from Bureau of Labor Statistics OEWS surveys, HUD Fair Market Rents, and statutory tax codes.

Quick answers
How much salary do I need in Houston-Pasadena-The Woodlands, TX to match $100,000 in Baltimore-Columbia-Towson, MD?

About $87,100. That scales $100,000 by the ratio of the metros' cost-of-living indexes (123.3 in Baltimore-Columbia-Towson, MD, 107.4 in Houston-Pasadena-The Woodlands, TX, from EPI family budgets); taxes are compared separately below.

Is Houston-Pasadena-The Woodlands, TX cheaper than Baltimore-Columbia-Towson, MD?

EPI's family budgets for a single adult put overall living costs 12.9% lower in Houston-Pasadena-The Woodlands, TX than in Baltimore-Columbia-Towson, MD. The budgets cover housing, food, transportation, health care and other necessities.