2026 Relocation & Cost Arbitrage Engine

Relocation: Houston-Pasadena, TX to Philadelphia, PA-NJ-DE-MD

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 Philadelphia-Camden-Wilmington, PA-NJ-DE-MD.

Popular Corridors:
Equivalent Salary
$111,700
To maintain parity
Cost of Living Delta
+11.7%
Overall expenditure basket
Annual Tax Delta
-$6,805
State + local taxes
Annual 1BR Rent Delta
+$3,564
HUD Fair Market Rents
Net Annual Buffer
-$10,369/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

Philadelphia-Camden-Wilmington, PA-NJ-DE-MD

COL 119.9
Gross Parity Income $111,700
Federal Income Tax -$15,744
FICA (SS & Medicare) -$8,545
State Income Tax -$3,429
Local / City Tax -$4,172
Net Annual Take-Home $79,810
HUD 1BR Fair Market Rent -$18,696
Discretionary Cash Flow $61,114

EPI family budgets put living costs 11.7% higher in Philadelphia-Camden-Wilmington, PA-NJ-DE-MD than in Houston-Pasadena-The Woodlands, TX, so $100,000 in Houston goes about as far as $111,700 in Philadelphia. HUD's one-bedroom Fair Market Rent is $1,261 a month in Houston and $1,558 in Philadelphia, $3,564 a year more. On the same $100,000 salary a single filer pays $6,805 more a year in federal, state and local income tax and FICA in Philadelphia. Taxes and one-bedroom rent together leave you about $10,369 a year worse off. The BLS median wage across all occupations is $49,410 in Houston and $54,310 in Philadelphia.

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) Philadelphia-Camden-Wilmington (Monthly) Monthly Delta ($) Difference (%)
Housing (1BR Fair Market Rent)$1,261$1,558+$297+23.6%
Food & Groceries$321$388+$67+20.9%
Transportation$1,015$1,028+$13+1.3%
Healthcare$422$374-$48-11.4%
Other Necessities$480$546+$66+13.8%
Total Taxes (Federal, State, Local, FICA)$1,735$2,302+$567+32.7%

HUD Fair Market Rent Differential

1-Bedroom Fair Market Rent +$297/mo (23.6%)
Houston-Pasadena-The Woodlands: $1,261/mo Philadelphia-Camden-Wilmington: $1,558/mo
2-Bedroom Fair Market Rent +$363/mo (24.2%)
Houston-Pasadena-The Woodlands: $1,497/mo Philadelphia-Camden-Wilmington: $1,860/mo

EPI Living Wage Benchmark Comparison

1 Adult (No Children) +$2.76/hr (11.6%)
Houston-Pasadena-The Woodlands: $23.75/hr Philadelphia-Camden-Wilmington: $26.51/hr
2 Adults + 1 Child (per earner) +$3.67/hr (17.8%)
Houston-Pasadena-The Woodlands: $20.58/hr Philadelphia-Camden-Wilmington: $24.25/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 Philadelphia-Camden-Wilmington Median Nominal Wage Delta Action
General and Operations ManagersFinance & ManagementFinance & Management$119,600$121,630+$2,030 (+1.7%)View Dossier
Registered Nurse (RN)HealthcareHealthcare$99,830$101,180+$1,350 (+1.4%)View Dossier
Accountant & AuditorFinanceFinance$85,090$85,990+$900 (+1.1%)View Dossier
Project Management SpecialistBusiness OperationsBusiness Operations$99,510$104,160+$4,650 (+4.7%)View Dossier
Software EngineerTechnologyTechnology$129,440$133,040+$3,600 (+2.8%)View Dossier
Financial ManagerFinanceFinance$166,910$166,920+$10 (0.0%)View Dossier
ElectricianSkilled TradesSkilled Trades$59,180$74,590+$15,410 (+26.0%)View Dossier
Computer and Information Systems ManagersFinance & ManagementFinance & Management$172,160$173,470+$1,310 (+0.8%)View Dossier
Sales ManagersFinance & ManagementFinance & Management$135,880$156,500+$20,620 (+15.2%)View Dossier
Medical and Health Services ManagersFinance & ManagementFinance & Management$124,400$122,920-$1,480 (-1.2%)View Dossier
Quality Control InspectorIndustrial ManufacturingIndustrial Manufacturing$46,630$51,990+$5,360 (+11.5%)View Dossier
Management AnalystBusiness OperationsBusiness Operations$101,120$100,920-$200 (-0.2%)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 Philadelphia-Camden-Wilmington, PA-NJ-DE-MD Relocation FAQs

About $111,700. That scales $100,000 by the ratio of the metros' cost-of-living indexes (107.4 in Houston-Pasadena-The Woodlands, TX, 119.9 in Philadelphia-Camden-Wilmington, PA-NJ-DE-MD, from EPI family budgets); taxes are compared separately below.

Triangular Relocation & Tax Silo

Houston-Pasadena-The Woodlands, TX to Philadelphia-Camden-Wilmington, PA-NJ-DE-MD: State Paychecks, Rents & Reciprocal Corridor

Reverse Route: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD to Houston-Pasadena-The Woodlands, TX
Relocation: Houston-Pasadena, TX to Philadelphia, PA-NJ-DE-MD Overview

Houston-Pasadena-The Woodlands, TX to Philadelphia-Camden-Wilmington, PA-NJ-DE-MD: 2026 federal, state & local income tax, HUD Fair Market Rents & EPI living. Official 2026 economic data for Relocation: Houston-Pasadena, TX to Philadelphia, PA-NJ-DE-MD 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 Philadelphia-Camden-Wilmington, PA-NJ-DE-MD to match $100,000 in Houston-Pasadena-The Woodlands, TX?

About $111,700. That scales $100,000 by the ratio of the metros' cost-of-living indexes (107.4 in Houston-Pasadena-The Woodlands, TX, 119.9 in Philadelphia-Camden-Wilmington, PA-NJ-DE-MD, from EPI family budgets); taxes are compared separately below.

Is Philadelphia-Camden-Wilmington, PA-NJ-DE-MD cheaper than Houston-Pasadena-The Woodlands, TX?

EPI's family budgets for a single adult put overall living costs 11.7% higher in Philadelphia-Camden-Wilmington, PA-NJ-DE-MD than in Houston-Pasadena-The Woodlands, TX. The budgets cover housing, food, transportation, health care and other necessities.