2026 Relocation & Cost Arbitrage Engine

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

Popular Corridors:
Equivalent Salary
$89,600
To maintain parity
Cost of Living Delta
-10.4%
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

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

COL 119.9
Gross Annual Income $100,000
Federal Income Tax -$13,170
FICA (SS & Medicare) -$7,650
State Income Tax -$3,070
Local / City Tax -$3,735
Net Annual Take-Home $72,375
HUD 1BR Fair Market Rent -$18,696
Discretionary Cash Flow $53,679
Target Market
Destination Location

Houston-Pasadena-The Woodlands, TX

COL 107.4
Gross Parity Income $89,600
Federal Income Tax -$10,882
FICA (SS & Medicare) -$6,854
State Income Tax $0 (No State Tax)
Local / City Tax $0
Net Annual Take-Home $71,864
HUD 1BR Fair Market Rent -$15,132
Discretionary Cash Flow $56,732

EPI family budgets put living costs 10.4% lower in Houston-Pasadena-The Woodlands, TX than in Philadelphia-Camden-Wilmington, PA-NJ-DE-MD, so $100,000 in Philadelphia goes about as far as $89,600 in Houston. HUD's one-bedroom Fair Market Rent is $1,558 a month in Philadelphia and $1,261 in Houston, $3,564 a year less. On the same $100,000 salary a single filer pays $6,805 less a year in federal, state and local income tax and FICA in Houston. Taxes and one-bedroom rent together leave you about $10,369 a year better off. The BLS median wage across all occupations is $54,310 in Philadelphia 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 Philadelphia-Camden-Wilmington (Monthly) Houston-Pasadena-The Woodlands (Monthly) Monthly Delta ($) Difference (%)
Housing (1BR Fair Market Rent)$1,558$1,261-$297-19.1%
Food & Groceries$388$321-$67-17.3%
Transportation$1,028$1,015-$13-1.3%
Healthcare$374$422+$48+12.8%
Other Necessities$546$480-$66-12.1%
Total Taxes (Federal, State, Local, FICA)$2,302$1,735-$567-24.6%

HUD Fair Market Rent Differential

1-Bedroom Fair Market Rent -$297/mo (-19.1%)
Philadelphia-Camden-Wilmington: $1,558/mo Houston-Pasadena-The Woodlands: $1,261/mo
2-Bedroom Fair Market Rent -$363/mo (-19.5%)
Philadelphia-Camden-Wilmington: $1,860/mo Houston-Pasadena-The Woodlands: $1,497/mo

EPI Living Wage Benchmark Comparison

1 Adult (No Children) -$2.76/hr (-10.4%)
Philadelphia-Camden-Wilmington: $26.51/hr Houston-Pasadena-The Woodlands: $23.75/hr
2 Adults + 1 Child (per earner) -$3.67/hr (-15.1%)
Philadelphia-Camden-Wilmington: $24.25/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 Philadelphia-Camden-Wilmington Median Houston-Pasadena-The Woodlands Median Nominal Wage Delta Action
General and Operations ManagersFinance & ManagementFinance & Management$121,630$119,600-$2,030 (-1.7%)View Dossier
Registered Nurse (RN)HealthcareHealthcare$101,180$99,830-$1,350 (-1.3%)View Dossier
Accountant & AuditorFinanceFinance$85,990$85,090-$900 (-1.0%)View Dossier
Project Management SpecialistBusiness OperationsBusiness Operations$104,160$99,510-$4,650 (-4.5%)View Dossier
Software EngineerTechnologyTechnology$133,040$129,440-$3,600 (-2.7%)View Dossier
Financial ManagerFinanceFinance$166,920$166,910-$10 (-0.0%)View Dossier
ElectricianSkilled TradesSkilled Trades$74,590$59,180-$15,410 (-20.7%)View Dossier
Computer and Information Systems ManagersFinance & ManagementFinance & Management$173,470$172,160-$1,310 (-0.8%)View Dossier
Sales ManagersFinance & ManagementFinance & Management$156,500$135,880-$20,620 (-13.2%)View Dossier
Medical and Health Services ManagersFinance & ManagementFinance & Management$122,920$124,400+$1,480 (+1.2%)View Dossier
Quality Control InspectorIndustrial ManufacturingIndustrial Manufacturing$51,990$46,630-$5,360 (-10.3%)View Dossier
Management AnalystBusiness OperationsBusiness Operations$100,920$101,120+$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

Philadelphia-Camden-Wilmington, PA-NJ-DE-MD to Houston-Pasadena-The Woodlands, TX Relocation FAQs

About $89,600. That scales $100,000 by the ratio of the metros' cost-of-living indexes (119.9 in Philadelphia-Camden-Wilmington, PA-NJ-DE-MD, 107.4 in Houston-Pasadena-The Woodlands, TX, from EPI family budgets); taxes are compared separately below.

Triangular Relocation & Tax Silo

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

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

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

About $89,600. That scales $100,000 by the ratio of the metros' cost-of-living indexes (119.9 in Philadelphia-Camden-Wilmington, PA-NJ-DE-MD, 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 Philadelphia-Camden-Wilmington, PA-NJ-DE-MD?

EPI's family budgets for a single adult put overall living costs 10.4% lower in Houston-Pasadena-The Woodlands, TX than in Philadelphia-Camden-Wilmington, PA-NJ-DE-MD. The budgets cover housing, food, transportation, health care and other necessities.