2026 Relocation & Cost Arbitrage Engine

Relocation: Lexington-Fayette, KY 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 Lexington-Fayette, KY to Houston-Pasadena-The Woodlands, TX.

Popular Corridors:
Equivalent Salary
$110,800
To maintain parity
Cost of Living Delta
+10.8%
Overall expenditure basket
Annual Tax Delta
+$6,132
State + local taxes
Annual 1BR Rent Delta
+$672
HUD Fair Market Rents
Net Annual Buffer
+$5,460/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

Lexington-Fayette, KY

COL 96.9
Gross Annual Income $100,000
Federal Income Tax -$13,170
FICA (SS & Medicare) -$7,650
State Income Tax -$3,382
Local / City Tax -$2,750
Net Annual Take-Home $73,048
HUD 1BR Fair Market Rent -$14,460
Discretionary Cash Flow $58,588
Target Market
Destination Location

Houston-Pasadena-The Woodlands, TX

COL 107.4
Gross Parity Income $110,800
Federal Income Tax -$15,546
FICA (SS & Medicare) -$8,476
State Income Tax $0 (No State Tax)
Local / City Tax $0
Net Annual Take-Home $86,778
HUD 1BR Fair Market Rent -$15,132
Discretionary Cash Flow $71,646

EPI family budgets put living costs 10.8% higher in Houston-Pasadena-The Woodlands, TX than in Lexington-Fayette, KY, so $100,000 in Lexington goes about as far as $110,800 in Houston. HUD's one-bedroom Fair Market Rent is $1,205 a month in Lexington and $1,261 in Houston, $672 a year more. On the same $100,000 salary a single filer pays $6,132 less a year in federal, state and local income tax and FICA in Houston. Taxes and one-bedroom rent together leave you about $5,460 a year better off. The BLS median wage across all occupations is $48,620 in Lexington 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 Lexington-Fayette (Monthly) Houston-Pasadena-The Woodlands (Monthly) Monthly Delta ($) Difference (%)
Housing (1BR Fair Market Rent)$1,205$1,261+$56+4.6%
Food & Groceries$343$321-$22-6.4%
Transportation$1,030$1,015-$15-1.5%
Healthcare$444$422-$22-5.0%
Other Necessities$354$480+$126+35.6%
Total Taxes (Federal, State, Local, FICA)$2,246$1,735-$511-22.8%

HUD Fair Market Rent Differential

1-Bedroom Fair Market Rent +$56/mo (4.6%)
Lexington-Fayette: $1,205/mo Houston-Pasadena-The Woodlands: $1,261/mo
2-Bedroom Fair Market Rent +$81/mo (5.7%)
Lexington-Fayette: $1,416/mo Houston-Pasadena-The Woodlands: $1,497/mo

EPI Living Wage Benchmark Comparison

1 Adult (No Children) +$2.31/hr (10.8%)
Lexington-Fayette: $21.44/hr Houston-Pasadena-The Woodlands: $23.75/hr
2 Adults + 1 Child (per earner) +$0.16/hr (0.8%)
Lexington-Fayette: $20.42/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 Lexington-Fayette Median Houston-Pasadena-The Woodlands Median Nominal Wage Delta Action
General and Operations ManagersFinance & ManagementFinance & Management$80,440$119,600+$39,160 (+48.7%)View Dossier
Registered Nurse (RN)HealthcareHealthcare$79,040$99,830+$20,790 (+26.3%)View Dossier
Project Management SpecialistBusiness OperationsBusiness Operations$84,520$99,510+$14,990 (+17.7%)View Dossier
Accountant & AuditorFinanceFinance$77,780$85,090+$7,310 (+9.4%)View Dossier
Software EngineerTechnologyTechnology$123,510$129,440+$5,930 (+4.8%)View Dossier
ElectricianSkilled TradesSkilled Trades$57,320$59,180+$1,860 (+3.2%)View Dossier
Financial ManagerFinanceFinance$135,760$166,910+$31,150 (+22.9%)View Dossier
Industrial Machinery MechanicIndustrial ManufacturingIndustrial Manufacturing$61,320$63,180+$1,860 (+3.0%)View Dossier
Quality Control InspectorIndustrial ManufacturingIndustrial Manufacturing$44,340$46,630+$2,290 (+5.2%)View Dossier
Sales ManagersFinance & ManagementFinance & Management$124,860$135,880+$11,020 (+8.8%)View Dossier
Construction ManagersFinance & ManagementFinance & Management$100,810$103,530+$2,720 (+2.7%)View Dossier
WelderSkilled TradesSkilled Trades$53,680$57,940+$4,260 (+7.9%)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

Lexington-Fayette, KY to Houston-Pasadena-The Woodlands, TX Relocation FAQs

About $110,800. That scales $100,000 by the ratio of the metros' cost-of-living indexes (96.9 in Lexington-Fayette, KY, 107.4 in Houston-Pasadena-The Woodlands, TX, from EPI family budgets); taxes are compared separately below.

Triangular Relocation & Tax Silo

Lexington-Fayette, KY to Houston-Pasadena-The Woodlands, TX: State Paychecks, Rents & Reciprocal Corridor

Reverse Route: Houston-Pasadena-The Woodlands, TX to Lexington-Fayette, KY
Relocation: Lexington-Fayette, KY to Houston-Pasadena, TX Overview

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

About $110,800. That scales $100,000 by the ratio of the metros' cost-of-living indexes (96.9 in Lexington-Fayette, KY, 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 Lexington-Fayette, KY?

EPI's family budgets for a single adult put overall living costs 10.8% higher in Houston-Pasadena-The Woodlands, TX than in Lexington-Fayette, KY. The budgets cover housing, food, transportation, health care and other necessities.