2026 Relocation & Cost Arbitrage Engine

Relocation: San Diego Metro, CA 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 San Diego-Chula Vista-Carlsbad, CA to Houston-Pasadena-The Woodlands, TX.

Popular Corridors:
Equivalent Salary
$63,700
To maintain parity
Cost of Living Delta
-36.3%
Overall expenditure basket
Annual Tax Delta
+$6,211
State + local taxes
Annual 1BR Rent Delta
-$12,888
HUD Fair Market Rents
Net Annual Buffer
+$19,099/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

San Diego-Chula Vista-Carlsbad, CA

COL 168.6
Gross Annual Income $100,000
Federal Income Tax -$13,170
FICA (SS & Medicare) -$7,650
State Income Tax -$4,911
Local / City Tax $0
Net Annual Take-Home $72,969
HUD 1BR Fair Market Rent -$28,020
Discretionary Cash Flow $44,949
Target Market
Destination Location

Houston-Pasadena-The Woodlands, TX

COL 107.4
Gross Parity Income $63,700
Federal Income Tax -$5,464
FICA (SS & Medicare) -$4,873
State Income Tax $0 (No State Tax)
Local / City Tax $0
Net Annual Take-Home $53,363
HUD 1BR Fair Market Rent -$15,132
Discretionary Cash Flow $38,231

EPI family budgets put living costs 36.3% lower in Houston-Pasadena-The Woodlands, TX than in San Diego-Chula Vista-Carlsbad, CA, so $100,000 in San Diego goes about as far as $63,700 in Houston. HUD's one-bedroom Fair Market Rent is $2,335 a month in San Diego and $1,261 in Houston, $12,888 a year less. On the same $100,000 salary a single filer pays $6,211 less a year in federal, state and local income tax and FICA in Houston. Taxes and one-bedroom rent together leave you about $19,099 a year better off. The BLS median wage across all occupations is $58,690 in San Diego 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 San Diego-Chula Vista-Carlsbad (Monthly) Houston-Pasadena-The Woodlands (Monthly) Monthly Delta ($) Difference (%)
Housing (1BR Fair Market Rent)$2,335$1,261-$1,074-46.0%
Food & Groceries$369$321-$48-13.0%
Transportation$1,121$1,015-$106-9.5%
Healthcare$481$422-$59-12.3%
Other Necessities$781$480-$301-38.5%
Total Taxes (Federal, State, Local, FICA)$2,253$1,735-$518-23.0%

HUD Fair Market Rent Differential

1-Bedroom Fair Market Rent -$1,074/mo (-46.0%)
San Diego-Chula Vista-Carlsbad: $2,335/mo Houston-Pasadena-The Woodlands: $1,261/mo
2-Bedroom Fair Market Rent -$1,326/mo (-47.0%)
San Diego-Chula Vista-Carlsbad: $2,823/mo Houston-Pasadena-The Woodlands: $1,497/mo

EPI Living Wage Benchmark Comparison

1 Adult (No Children) -$13.54/hr (-36.3%)
San Diego-Chula Vista-Carlsbad: $37.29/hr Houston-Pasadena-The Woodlands: $23.75/hr
2 Adults + 1 Child (per earner) -$11.29/hr (-35.4%)
San Diego-Chula Vista-Carlsbad: $31.87/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 San Diego-Chula Vista-Carlsbad Median Houston-Pasadena-The Woodlands Median Nominal Wage Delta Action
General and Operations ManagersFinance & ManagementFinance & Management$119,600$119,600$0 (0.0%)View Dossier
Registered Nurse (RN)HealthcareHealthcare$139,520$99,830-$39,690 (-28.4%)View Dossier
Project Management SpecialistBusiness OperationsBusiness Operations$117,460$99,510-$17,950 (-15.3%)View Dossier
Software EngineerTechnologyTechnology$163,270$129,440-$33,830 (-20.7%)View Dossier
Accountant & AuditorFinanceFinance$96,340$85,090-$11,250 (-11.7%)View Dossier
ElectricianSkilled TradesSkilled Trades$76,160$59,180-$16,980 (-22.3%)View Dossier
Financial ManagerFinanceFinance$174,210$166,910-$7,300 (-4.2%)View Dossier
Sales ManagersFinance & ManagementFinance & Management$119,750$135,880+$16,130 (+13.5%)View Dossier
Quality Control InspectorIndustrial ManufacturingIndustrial Manufacturing$59,550$46,630-$12,920 (-21.7%)View Dossier
Management AnalystBusiness OperationsBusiness Operations$101,190$101,120-$70 (-0.1%)View Dossier
Industrial Machinery MechanicIndustrial ManufacturingIndustrial Manufacturing$67,480$63,180-$4,300 (-6.4%)View Dossier
Computer and Information Systems ManagersFinance & ManagementFinance & Management$206,740$172,160-$34,580 (-16.7%)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

San Diego-Chula Vista-Carlsbad, CA to Houston-Pasadena-The Woodlands, TX Relocation FAQs

About $63,700. That scales $100,000 by the ratio of the metros' cost-of-living indexes (168.6 in San Diego-Chula Vista-Carlsbad, CA, 107.4 in Houston-Pasadena-The Woodlands, TX, from EPI family budgets); taxes are compared separately below.

Triangular Relocation & Tax Silo

San Diego-Chula Vista-Carlsbad, CA to Houston-Pasadena-The Woodlands, TX: State Paychecks, Rents & Reciprocal Corridor

Reverse Route: Houston-Pasadena-The Woodlands, TX to San Diego-Chula Vista-Carlsbad, CA
Relocation: San Diego Metro, CA to Houston-Pasadena, TX Overview

San Diego-Chula Vista-Carlsbad, CA to Houston-Pasadena-The Woodlands, TX: 2026 federal, state & local income tax, HUD Fair Market Rents & EPI living costs. Official 2026 economic data for Relocation: San Diego Metro, CA 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 San Diego-Chula Vista-Carlsbad, CA?

About $63,700. That scales $100,000 by the ratio of the metros' cost-of-living indexes (168.6 in San Diego-Chula Vista-Carlsbad, CA, 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 San Diego-Chula Vista-Carlsbad, CA?

EPI's family budgets for a single adult put overall living costs 36.3% lower in Houston-Pasadena-The Woodlands, TX than in San Diego-Chula Vista-Carlsbad, CA. The budgets cover housing, food, transportation, health care and other necessities.