2026 Relocation & Cost Arbitrage Engine

Relocation: Houston-Pasadena-The Woodlands, TX to Las Cruces, NM

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 Houston-Pasadena-The Woodlands, TX to Las Cruces, NM.

Popular Corridors:
Equivalent Salary
$92,000
To maintain parity
Cost of Living Delta
-8.0%
Overall expenditure basket
Annual Tax Delta
-$3,569
State + local taxes
Annual 1BR Rent Delta
-$3,432
HUD Fair Market Rents
Net Annual Buffer
-$137/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

Houston-Pasadena-The Woodlands, TX

COL 107.4
Gross Annual Income $100,000
Federal Income Tax -$13,170
FICA (SS & Medicare) -$7,650
State Income Tax -$0
Local / City Tax $0
Net Annual Take-Home $79,180
HUD 1BR Fair Market Rent -$15,132
Discretionary Cash Flow $64,048
Target Market
Destination Location

Las Cruces, NM

COL 98.8
Gross Parity Income $92,000
Federal Income Tax -$11,410
FICA (SS & Medicare) -$7,038
State Income Tax -$3,177
Local / City Tax $0
Net Annual Take-Home $70,375
HUD 1BR Fair Market Rent -$11,700
Discretionary Cash Flow $58,675

EPI family budgets put living costs 8.0% lower in Las Cruces, NM than in Houston-Pasadena-The Woodlands, TX, so $100,000 in Houston goes about as far as $92,000 in Las Cruces. HUD's one-bedroom Fair Market Rent is $1,261 a month in Houston and $975 in Las Cruces, $3,432 a year less. On the same $100,000 salary a single filer pays $3,569 more a year in federal, state and local income tax and FICA in Las Cruces. Taxes and one-bedroom rent together leave you about $137 a year worse off. The BLS median wage across all occupations is $49,410 in Houston and $42,070 in Las Cruces.

Itemized Cost of Living Expenditure Arbitrage

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

Expenditure Category Houston-Pasadena-The Woodlands (Monthly) Las Cruces (Monthly) Monthly Delta ($) Difference (%)
Housing (1BR Fair Market Rent)$1,261$975-$286-22.7%
Food & Groceries$321$326+$5+1.6%
Transportation$1,015$1,018+$3+0.3%
Healthcare$422$681+$259+61.4%
Other Necessities$480$331-$149-31.0%
Total Taxes (Federal, State, Local, FICA)$1,735$2,032+$297+17.1%

HUD Fair Market Rent Differential

1-Bedroom Fair Market Rent -$286/mo (-22.7%)
Houston-Pasadena-The Woodlands: $1,261/mo Las Cruces: $975/mo
2-Bedroom Fair Market Rent -$424/mo (-28.3%)
Houston-Pasadena-The Woodlands: $1,497/mo Las Cruces: $1,073/mo

EPI Living Wage Benchmark Comparison

1 Adult (No Children) -$1.90/hr (-8.0%)
Houston-Pasadena-The Woodlands: $23.75/hr Las Cruces: $21.85/hr
2 Adults + 1 Child (per earner) +$0.40/hr (1.9%)
Houston-Pasadena-The Woodlands: $20.58/hr Las Cruces: $20.98/hr

Top Local Occupations Wage Parity

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

Occupation Title Industry Sector Houston-Pasadena-The Woodlands Median Las Cruces Median Nominal Wage Delta Action
General and Operations ManagersFinance & ManagementFinance & Management$119,600$85,770-$33,830 (-28.3%)View Dossier
Registered Nurse (RN)HealthcareHealthcare$99,830$83,310-$16,520 (-16.5%)View Dossier
Project Management SpecialistBusiness OperationsBusiness Operations$99,510$82,110-$17,400 (-17.5%)View Dossier
Accountant & AuditorFinanceFinance$85,090$67,470-$17,620 (-20.7%)View Dossier
Software EngineerTechnologyTechnology$129,440$107,300-$22,140 (-17.1%)View Dossier
ElectricianSkilled TradesSkilled Trades$59,180$53,980-$5,200 (-8.8%)View Dossier
Financial ManagerFinanceFinance$166,910$117,540-$49,370 (-29.6%)View Dossier
Industrial Machinery MechanicIndustrial ManufacturingIndustrial Manufacturing$63,180$56,680-$6,500 (-10.3%)View Dossier
Quality Control InspectorIndustrial ManufacturingIndustrial Manufacturing$46,630$57,220+$10,590 (+22.7%)View Dossier
Construction ManagersFinance & ManagementFinance & Management$103,530$106,350+$2,820 (+2.7%)View Dossier
Sales ManagersFinance & ManagementFinance & Management$135,880$101,610-$34,270 (-25.2%)View Dossier
WelderSkilled TradesSkilled Trades$57,940$47,520-$10,420 (-18.0%)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

Houston-Pasadena-The Woodlands, TX to Las Cruces, NM Relocation FAQs

About $92,000. That scales $100,000 by the ratio of the metros' cost-of-living indexes (107.4 in Houston-Pasadena-The Woodlands, TX, 98.8 in Las Cruces, NM, from EPI family budgets); taxes are compared separately below.

Triangular Relocation & Tax Silo

Houston-Pasadena-The Woodlands, TX to Las Cruces, NM: State Paychecks, Rents & Reciprocal Corridor

Reverse Route: Las Cruces, NM to Houston-Pasadena-The Woodlands, TX
Relocation: Houston-Pasadena-The Woodlands, TX to Las Cruces, NM Overview

Houston-Pasadena-The Woodlands, TX to Las Cruces, NM: 2026 federal, state & local income tax, HUD Fair Market Rents & EPI living costs compared on the same.

Quick answers
How much salary do I need in Las Cruces, NM to match $100,000 in Houston-Pasadena-The Woodlands, TX?

About $92,000. That scales $100,000 by the ratio of the metros' cost-of-living indexes (107.4 in Houston-Pasadena-The Woodlands, TX, 98.8 in Las Cruces, NM, from EPI family budgets); taxes are compared separately below.

Is Las Cruces, NM cheaper than Houston-Pasadena-The Woodlands, TX?

EPI's family budgets for a single adult put overall living costs 8.0% lower in Las Cruces, NM than in Houston-Pasadena-The Woodlands, TX. The budgets cover housing, food, transportation, health care and other necessities.