2026 Relocation & Cost Arbitrage Engine

Relocation: Houston-Pasadena-The Woodlands, TX to Memphis, TN-MS-AR

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 Memphis, TN-MS-AR.

Popular Corridors:
Equivalent Salary
$99,500
To maintain parity
Cost of Living Delta
-0.5%
Overall expenditure basket
Annual Tax Delta
$0
State + local taxes
Annual 1BR Rent Delta
-$840
HUD Fair Market Rents
Net Annual Buffer
+$840/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

Memphis, TN-MS-AR

COL 106.9
Gross Parity Income $99,500
Federal Income Tax -$13,060
FICA (SS & Medicare) -$7,612
State Income Tax $0 (No State Tax)
Local / City Tax $0
Net Annual Take-Home $78,828
HUD 1BR Fair Market Rent -$14,292
Discretionary Cash Flow $64,536

EPI family budgets put living costs 0.5% lower in Memphis, TN-MS-AR than in Houston-Pasadena-The Woodlands, TX, so $100,000 in Houston goes about as far as $99,500 in Memphis. HUD's one-bedroom Fair Market Rent is $1,261 a month in Houston and $1,191 in Memphis, $840 a year less. On a $100,000 salary a single filer pays the same total tax in both metros. Taxes and one-bedroom rent together leave you about $840 a year better off. The BLS median wage across all occupations is $49,410 in Houston and $46,890 in Memphis.

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) Memphis (Monthly) Monthly Delta ($) Difference (%)
Housing (1BR Fair Market Rent)$1,261$1,191-$70-5.6%
Food & Groceries$321$362+$41+12.8%
Transportation$1,015$1,039+$24+2.4%
Healthcare$422$487+$65+15.4%
Other Necessities$480$456-$24-5.0%
Total Taxes (Federal, State, Local, FICA)$1,735$1,735$00.0%

HUD Fair Market Rent Differential

1-Bedroom Fair Market Rent -$70/mo (-5.6%)
Houston-Pasadena-The Woodlands: $1,261/mo Memphis: $1,191/mo
2-Bedroom Fair Market Rent -$196/mo (-13.1%)
Houston-Pasadena-The Woodlands: $1,497/mo Memphis: $1,301/mo

EPI Living Wage Benchmark Comparison

1 Adult (No Children) -$0.11/hr (-0.5%)
Houston-Pasadena-The Woodlands: $23.75/hr Memphis: $23.64/hr
2 Adults + 1 Child (per earner) -$0.21/hr (-1.0%)
Houston-Pasadena-The Woodlands: $20.58/hr Memphis: $20.37/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 Memphis Median Nominal Wage Delta Action
General and Operations ManagersFinance & ManagementFinance & Management$119,600$102,510-$17,090 (-14.3%)View Dossier
Registered Nurse (RN)HealthcareHealthcare$99,830$81,500-$18,330 (-18.4%)View Dossier
Project Management SpecialistBusiness OperationsBusiness Operations$99,510$85,130-$14,380 (-14.5%)View Dossier
Accountant & AuditorFinanceFinance$85,090$76,960-$8,130 (-9.6%)View Dossier
Software EngineerTechnologyTechnology$129,440$125,580-$3,860 (-3.0%)View Dossier
ElectricianSkilled TradesSkilled Trades$59,180$60,890+$1,710 (+2.9%)View Dossier
Financial ManagerFinanceFinance$166,910$143,880-$23,030 (-13.8%)View Dossier
Industrial Machinery MechanicIndustrial ManufacturingIndustrial Manufacturing$63,180$64,570+$1,390 (+2.2%)View Dossier
Quality Control InspectorIndustrial ManufacturingIndustrial Manufacturing$46,630$44,910-$1,720 (-3.7%)View Dossier
Sales ManagersFinance & ManagementFinance & Management$135,880$128,560-$7,320 (-5.4%)View Dossier
WelderSkilled TradesSkilled Trades$57,940$48,600-$9,340 (-16.1%)View Dossier
Construction ManagersFinance & ManagementFinance & Management$103,530$107,710+$4,180 (+4.0%)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 Memphis, TN-MS-AR Relocation FAQs

About $99,500. That scales $100,000 by the ratio of the metros' cost-of-living indexes (107.4 in Houston-Pasadena-The Woodlands, TX, 106.9 in Memphis, TN-MS-AR, from EPI family budgets); taxes are compared separately below.

Triangular Relocation & Tax Silo

Houston-Pasadena-The Woodlands, TX to Memphis, TN-MS-AR: State Paychecks, Rents & Reciprocal Corridor

Reverse Route: Memphis, TN-MS-AR to Houston-Pasadena-The Woodlands, TX
Relocation: Houston-Pasadena-The Woodlands, TX to Memphis, TN-MS-AR Overview

Houston-Pasadena-The Woodlands, TX to Memphis, TN-MS-AR: 2026 federal, state & local income tax, HUD Fair Market Rents & EPI living costs compared on the same. Official 2026 economic data for Relocation: Houston-Pasadena-The Woodlands, TX to Memphis, TN-MS-AR 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 Memphis, TN-MS-AR to match $100,000 in Houston-Pasadena-The Woodlands, TX?

About $99,500. That scales $100,000 by the ratio of the metros' cost-of-living indexes (107.4 in Houston-Pasadena-The Woodlands, TX, 106.9 in Memphis, TN-MS-AR, from EPI family budgets); taxes are compared separately below.

Is Memphis, TN-MS-AR cheaper than Houston-Pasadena-The Woodlands, TX?

EPI's family budgets for a single adult put overall living costs 0.5% lower in Memphis, TN-MS-AR than in Houston-Pasadena-The Woodlands, TX. The budgets cover housing, food, transportation, health care and other necessities.