2026 Relocation & Cost Arbitrage Engine

Relocation: Denver-Aurora, CO 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 Denver-Aurora-Centennial, CO to Houston-Pasadena-The Woodlands, TX.

Popular Corridors:
Equivalent Salary
$78,300
To maintain parity
Cost of Living Delta
-21.7%
Overall expenditure basket
Annual Tax Delta
+$3,761
State + local taxes
Annual 1BR Rent Delta
-$6,840
HUD Fair Market Rents
Net Annual Buffer
+$10,601/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

Denver-Aurora-Centennial, CO

COL 137.1
Gross Annual Income $100,000
Federal Income Tax -$13,170
FICA (SS & Medicare) -$7,650
State Income Tax -$3,692
Local / City Tax -$69
Net Annual Take-Home $75,419
HUD 1BR Fair Market Rent -$21,972
Discretionary Cash Flow $53,447
Target Market
Destination Location

Houston-Pasadena-The Woodlands, TX

COL 107.4
Gross Parity Income $78,300
Federal Income Tax -$8,396
FICA (SS & Medicare) -$5,990
State Income Tax $0 (No State Tax)
Local / City Tax $0
Net Annual Take-Home $63,914
HUD 1BR Fair Market Rent -$15,132
Discretionary Cash Flow $48,782

EPI family budgets put living costs 21.7% lower in Houston-Pasadena-The Woodlands, TX than in Denver-Aurora-Centennial, CO, so $100,000 in Denver goes about as far as $78,300 in Houston. HUD's one-bedroom Fair Market Rent is $1,831 a month in Denver and $1,261 in Houston, $6,840 a year less. On the same $100,000 salary a single filer pays $3,761 less a year in federal, state and local income tax and FICA in Houston. Taxes and one-bedroom rent together leave you about $10,601 a year better off. The BLS median wage across all occupations is $62,320 in Denver 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 Denver-Aurora-Centennial (Monthly) Houston-Pasadena-The Woodlands (Monthly) Monthly Delta ($) Difference (%)
Housing (1BR Fair Market Rent)$1,831$1,261-$570-31.1%
Food & Groceries$384$321-$63-16.4%
Transportation$1,047$1,015-$32-3.1%
Healthcare$436$422-$14-3.2%
Other Necessities$628$480-$148-23.6%
Total Taxes (Federal, State, Local, FICA)$2,048$1,735-$313-15.3%

HUD Fair Market Rent Differential

1-Bedroom Fair Market Rent -$570/mo (-31.1%)
Denver-Aurora-Centennial: $1,831/mo Houston-Pasadena-The Woodlands: $1,261/mo
2-Bedroom Fair Market Rent -$672/mo (-31.0%)
Denver-Aurora-Centennial: $2,169/mo Houston-Pasadena-The Woodlands: $1,497/mo

EPI Living Wage Benchmark Comparison

1 Adult (No Children) -$6.57/hr (-21.7%)
Denver-Aurora-Centennial: $30.32/hr Houston-Pasadena-The Woodlands: $23.75/hr
2 Adults + 1 Child (per earner) -$7.55/hr (-26.8%)
Denver-Aurora-Centennial: $28.13/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 Denver-Aurora-Centennial Median Houston-Pasadena-The Woodlands Median Nominal Wage Delta Action
General and Operations ManagersFinance & ManagementFinance & Management$142,330$119,600-$22,730 (-16.0%)View Dossier
Registered Nurse (RN)HealthcareHealthcare$101,130$99,830-$1,300 (-1.3%)View Dossier
Project Management SpecialistBusiness OperationsBusiness Operations$116,740$99,510-$17,230 (-14.8%)View Dossier
Accountant & AuditorFinanceFinance$100,020$85,090-$14,930 (-14.9%)View Dossier
Software EngineerTechnologyTechnology$137,610$129,440-$8,170 (-5.9%)View Dossier
ElectricianSkilled TradesSkilled Trades$63,150$59,180-$3,970 (-6.3%)View Dossier
Financial ManagerFinanceFinance$193,400$166,910-$26,490 (-13.7%)View Dossier
Construction ManagersFinance & ManagementFinance & Management$128,850$103,530-$25,320 (-19.7%)View Dossier
Sales ManagersFinance & ManagementFinance & Management$181,580$135,880-$45,700 (-25.2%)View Dossier
Industrial Machinery MechanicIndustrial ManufacturingIndustrial Manufacturing$76,990$63,180-$13,810 (-17.9%)View Dossier
Computer and Information Systems ManagersFinance & ManagementFinance & Management$203,340$172,160-$31,180 (-15.3%)View Dossier
Management AnalystBusiness OperationsBusiness Operations$102,620$101,120-$1,500 (-1.5%)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

Denver-Aurora-Centennial, CO to Houston-Pasadena-The Woodlands, TX Relocation FAQs

About $78,300. That scales $100,000 by the ratio of the metros' cost-of-living indexes (137.1 in Denver-Aurora-Centennial, CO, 107.4 in Houston-Pasadena-The Woodlands, TX, from EPI family budgets); taxes are compared separately below.

Triangular Relocation & Tax Silo

Denver-Aurora-Centennial, CO to Houston-Pasadena-The Woodlands, TX: State Paychecks, Rents & Reciprocal Corridor

Reverse Route: Houston-Pasadena-The Woodlands, TX to Denver-Aurora-Centennial, CO
Relocation: Denver-Aurora, CO to Houston-Pasadena, TX Overview

Denver-Aurora-Centennial, CO 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: Denver-Aurora, CO 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 Denver-Aurora-Centennial, CO?

About $78,300. That scales $100,000 by the ratio of the metros' cost-of-living indexes (137.1 in Denver-Aurora-Centennial, CO, 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 Denver-Aurora-Centennial, CO?

EPI's family budgets for a single adult put overall living costs 21.7% lower in Houston-Pasadena-The Woodlands, TX than in Denver-Aurora-Centennial, CO. The budgets cover housing, food, transportation, health care and other necessities.