2026 Relocation & Cost Arbitrage Engine

Relocation: Billings, MT to Houston-Pasadena-The Woodlands, 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 Billings, MT to Houston-Pasadena-The Woodlands, TX.

Popular Corridors:
Equivalent Salary
$101,500
To maintain parity
Cost of Living Delta
+1.5%
Overall expenditure basket
Annual Tax Delta
+$4,289
State + local taxes
Annual 1BR Rent Delta
+$1,548
HUD Fair Market Rents
Net Annual Buffer
+$2,741/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

Billings, MT

COL 105.8
Gross Annual Income $100,000
Federal Income Tax -$13,170
FICA (SS & Medicare) -$7,650
State Income Tax -$4,289
Local / City Tax $0
Net Annual Take-Home $74,891
HUD 1BR Fair Market Rent -$13,584
Discretionary Cash Flow $61,307
Target Market
Destination Location

Houston-Pasadena-The Woodlands, TX

COL 107.4
Gross Parity Income $101,500
Federal Income Tax -$13,500
FICA (SS & Medicare) -$7,765
State Income Tax $0 (No State Tax)
Local / City Tax $0
Net Annual Take-Home $80,235
HUD 1BR Fair Market Rent -$15,132
Discretionary Cash Flow $65,103

EPI family budgets put living costs 1.5% higher in Houston-Pasadena-The Woodlands, TX than in Billings, MT, so $100,000 in Billings goes about as far as $101,500 in Houston. HUD's one-bedroom Fair Market Rent is $1,132 a month in Billings and $1,261 in Houston, $1,548 a year more. On the same $100,000 salary a single filer pays $4,289 less a year in federal, state and local income tax and FICA in Houston. Taxes and one-bedroom rent together leave you about $2,741 a year better off. The BLS median wage across all occupations is $49,060 in Billings 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 Billings (Monthly) Houston-Pasadena-The Woodlands (Monthly) Monthly Delta ($) Difference (%)
Housing (1BR Fair Market Rent)$1,132$1,261+$129+11.4%
Food & Groceries$351$321-$30-8.5%
Transportation$1,076$1,015-$61-5.7%
Healthcare$374$422+$48+12.8%
Other Necessities$424$480+$56+13.2%
Total Taxes (Federal, State, Local, FICA)$2,092$1,735-$357-17.1%

HUD Fair Market Rent Differential

1-Bedroom Fair Market Rent +$129/mo (11.4%)
Billings: $1,132/mo Houston-Pasadena-The Woodlands: $1,261/mo
2-Bedroom Fair Market Rent +$65/mo (4.5%)
Billings: $1,432/mo Houston-Pasadena-The Woodlands: $1,497/mo

EPI Living Wage Benchmark Comparison

1 Adult (No Children) +$0.36/hr (1.5%)
Billings: $23.39/hr Houston-Pasadena-The Woodlands: $23.75/hr
2 Adults + 1 Child (per earner) -$1.18/hr (-5.4%)
Billings: $21.76/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 Billings Median Houston-Pasadena-The Woodlands Median Nominal Wage Delta Action
General and Operations ManagersFinance & ManagementFinance & Management$96,980$119,600+$22,620 (+23.3%)View Dossier
Registered Nurse (RN)HealthcareHealthcare$82,300$99,830+$17,530 (+21.3%)View Dossier
Project Management SpecialistBusiness OperationsBusiness Operations$85,540$99,510+$13,970 (+16.3%)View Dossier
Accountant & AuditorFinanceFinance$75,780$85,090+$9,310 (+12.3%)View Dossier
Software EngineerTechnologyTechnology$100,440$129,440+$29,000 (+28.9%)View Dossier
ElectricianSkilled TradesSkilled Trades$80,980$59,180-$21,800 (-26.9%)View Dossier
Financial ManagerFinanceFinance$137,240$166,910+$29,670 (+21.6%)View Dossier
Industrial Machinery MechanicIndustrial ManufacturingIndustrial Manufacturing$62,370$63,180+$810 (+1.3%)View Dossier
Construction ManagersFinance & ManagementFinance & Management$100,220$103,530+$3,310 (+3.3%)View Dossier
Sales ManagersFinance & ManagementFinance & Management$117,970$135,880+$17,910 (+15.2%)View Dossier
Quality Control InspectorIndustrial ManufacturingIndustrial Manufacturing$59,680$46,630-$13,050 (-21.9%)View Dossier
WelderSkilled TradesSkilled Trades$52,670$57,940+$5,270 (+10.0%)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

Billings, MT to Houston-Pasadena-The Woodlands, TX Relocation FAQs

About $101,500. That scales $100,000 by the ratio of the metros' cost-of-living indexes (105.8 in Billings, MT, 107.4 in Houston-Pasadena-The Woodlands, TX, from EPI family budgets); taxes are compared separately below.

Triangular Relocation & Tax Silo

Billings, MT to Houston-Pasadena-The Woodlands, TX: State Paychecks, Rents & Reciprocal Corridor

Reverse Route: Houston-Pasadena-The Woodlands, TX to Billings, MT
Relocation: Billings, MT to Houston-Pasadena-The Woodlands, TX Overview

Billings, MT to Houston-Pasadena-The Woodlands, TX: 2026 federal, state & local income tax, HUD Fair Market Rents & EPI living costs compared on the same. Official 2026 economic data for Relocation: Billings, MT to Houston-Pasadena-The Woodlands, 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 Billings, MT?

About $101,500. That scales $100,000 by the ratio of the metros' cost-of-living indexes (105.8 in Billings, MT, 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 Billings, MT?

EPI's family budgets for a single adult put overall living costs 1.5% higher in Houston-Pasadena-The Woodlands, TX than in Billings, MT. The budgets cover housing, food, transportation, health care and other necessities.