2026 Relocation & Cost Arbitrage Engine

Relocation: Madison, WI to Houston-Pasadena-The Woodlands, 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 Madison, WI to Houston-Pasadena-The Woodlands, TX.

Popular Corridors:
Equivalent Salary
$99,300
To maintain parity
Cost of Living Delta
-0.7%
Overall expenditure basket
Annual Tax Delta
+$4,428
State + local taxes
Annual 1BR Rent Delta
-$1,368
HUD Fair Market Rents
Net Annual Buffer
+$5,796/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

Madison, WI

COL 108.1
Gross Annual Income $100,000
Federal Income Tax -$13,170
FICA (SS & Medicare) -$7,650
State Income Tax -$4,428
Local / City Tax $0
Net Annual Take-Home $74,752
HUD 1BR Fair Market Rent -$16,500
Discretionary Cash Flow $58,252
Target Market
Destination Location

Houston-Pasadena-The Woodlands, TX

COL 107.4
Gross Parity Income $99,300
Federal Income Tax -$13,016
FICA (SS & Medicare) -$7,596
State Income Tax $0 (No State Tax)
Local / City Tax $0
Net Annual Take-Home $78,688
HUD 1BR Fair Market Rent -$15,132
Discretionary Cash Flow $63,556

EPI family budgets put living costs 0.7% lower in Houston-Pasadena-The Woodlands, TX than in Madison, WI, so $100,000 in Madison goes about as far as $99,300 in Houston. HUD's one-bedroom Fair Market Rent is $1,375 a month in Madison and $1,261 in Houston, $1,368 a year less. On the same $100,000 salary a single filer pays $4,428 less a year in federal, state and local income tax and FICA in Houston. Taxes and one-bedroom rent together leave you about $5,796 a year better off. The BLS median wage across all occupations is $58,080 in Madison 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 Madison (Monthly) Houston-Pasadena-The Woodlands (Monthly) Monthly Delta ($) Difference (%)
Housing (1BR Fair Market Rent)$1,375$1,261-$114-8.3%
Food & Groceries$387$321-$66-17.1%
Transportation$1,027$1,015-$12-1.2%
Healthcare$386$422+$36+9.3%
Other Necessities$455$480+$25+5.5%
Total Taxes (Federal, State, Local, FICA)$2,104$1,735-$369-17.5%

HUD Fair Market Rent Differential

1-Bedroom Fair Market Rent -$114/mo (-8.3%)
Madison: $1,375/mo Houston-Pasadena-The Woodlands: $1,261/mo
2-Bedroom Fair Market Rent -$68/mo (-4.3%)
Madison: $1,565/mo Houston-Pasadena-The Woodlands: $1,497/mo

EPI Living Wage Benchmark Comparison

1 Adult (No Children) -$0.16/hr (-0.7%)
Madison: $23.91/hr Houston-Pasadena-The Woodlands: $23.75/hr
2 Adults + 1 Child (per earner) -$2.69/hr (-11.6%)
Madison: $23.27/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 Madison Median Houston-Pasadena-The Woodlands Median Nominal Wage Delta Action
General and Operations ManagersFinance & ManagementFinance & Management$126,620$119,600-$7,020 (-5.5%)View Dossier
Registered Nurse (RN)HealthcareHealthcare$101,190$99,830-$1,360 (-1.3%)View Dossier
Project Management SpecialistBusiness OperationsBusiness Operations$98,990$99,510+$520 (+0.5%)View Dossier
Accountant & AuditorFinanceFinance$81,130$85,090+$3,960 (+4.9%)View Dossier
Software EngineerTechnologyTechnology$130,630$129,440-$1,190 (-0.9%)View Dossier
ElectricianSkilled TradesSkilled Trades$78,430$59,180-$19,250 (-24.5%)View Dossier
Financial ManagerFinanceFinance$148,970$166,910+$17,940 (+12.0%)View Dossier
Industrial Machinery MechanicIndustrial ManufacturingIndustrial Manufacturing$65,620$63,180-$2,440 (-3.7%)View Dossier
Quality Control InspectorIndustrial ManufacturingIndustrial Manufacturing$53,940$46,630-$7,310 (-13.6%)View Dossier
Sales ManagersFinance & ManagementFinance & Management$146,380$135,880-$10,500 (-7.2%)View Dossier
Construction ManagersFinance & ManagementFinance & Management$119,840$103,530-$16,310 (-13.6%)View Dossier
WelderSkilled TradesSkilled Trades$59,530$57,940-$1,590 (-2.7%)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

Madison, WI to Houston-Pasadena-The Woodlands, TX Relocation FAQs

About $99,300. That scales $100,000 by the ratio of the metros' cost-of-living indexes (108.1 in Madison, WI, 107.4 in Houston-Pasadena-The Woodlands, TX, from EPI family budgets); taxes are compared separately below.

Triangular Relocation & Tax Silo

Madison, WI to Houston-Pasadena-The Woodlands, TX: State Paychecks, Rents & Reciprocal Corridor

Reverse Route: Houston-Pasadena-The Woodlands, TX to Madison, WI
Relocation: Madison, WI to Houston-Pasadena-The Woodlands, TX Overview

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

About $99,300. That scales $100,000 by the ratio of the metros' cost-of-living indexes (108.1 in Madison, WI, 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 Madison, WI?

EPI's family budgets for a single adult put overall living costs 0.7% lower in Houston-Pasadena-The Woodlands, TX than in Madison, WI. The budgets cover housing, food, transportation, health care and other necessities.