2026 Relocation & Cost Arbitrage Engine

Relocation: St. Louis, MO-IL 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 St. Louis, MO-IL to Houston-Pasadena-The Woodlands, TX.

Popular Corridors:
Equivalent Salary
$104,900
To maintain parity
Cost of Living Delta
+4.9%
Overall expenditure basket
Annual Tax Delta
+$4,670
State + local taxes
Annual 1BR Rent Delta
+$1,884
HUD Fair Market Rents
Net Annual Buffer
+$2,786/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

St. Louis, MO-IL

COL 102.3
Gross Annual Income $100,000
Federal Income Tax -$13,170
FICA (SS & Medicare) -$7,650
State Income Tax -$3,670
Local / City Tax -$1,000
Net Annual Take-Home $74,510
HUD 1BR Fair Market Rent -$13,248
Discretionary Cash Flow $61,262
Target Market
Destination Location

Houston-Pasadena-The Woodlands, TX

COL 107.4
Gross Parity Income $104,900
Federal Income Tax -$14,248
FICA (SS & Medicare) -$8,025
State Income Tax $0 (No State Tax)
Local / City Tax $0
Net Annual Take-Home $82,627
HUD 1BR Fair Market Rent -$15,132
Discretionary Cash Flow $67,495

EPI family budgets put living costs 4.9% higher in Houston-Pasadena-The Woodlands, TX than in St. Louis, MO-IL, so $100,000 in St. Louis goes about as far as $104,900 in Houston. HUD's one-bedroom Fair Market Rent is $1,104 a month in St. Louis and $1,261 in Houston, $1,884 a year more. On the same $100,000 salary a single filer pays $4,670 less a year in federal, state and local income tax and FICA in Houston. Taxes and one-bedroom rent together leave you about $2,786 a year better off. The BLS median wage across all occupations is $49,990 in St. Louis 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 St. Louis (Monthly) Houston-Pasadena-The Woodlands (Monthly) Monthly Delta ($) Difference (%)
Housing (1BR Fair Market Rent)$1,104$1,261+$157+14.2%
Food & Groceries$373$321-$52-13.9%
Transportation$1,018$1,015-$3-0.3%
Healthcare$427$422-$5-1.2%
Other Necessities$411$480+$69+16.8%
Total Taxes (Federal, State, Local, FICA)$2,124$1,735-$389-18.3%

HUD Fair Market Rent Differential

1-Bedroom Fair Market Rent +$157/mo (14.2%)
St. Louis: $1,104/mo Houston-Pasadena-The Woodlands: $1,261/mo
2-Bedroom Fair Market Rent +$148/mo (11.0%)
St. Louis: $1,349/mo Houston-Pasadena-The Woodlands: $1,497/mo

EPI Living Wage Benchmark Comparison

1 Adult (No Children) +$1.12/hr (4.9%)
St. Louis: $22.63/hr Houston-Pasadena-The Woodlands: $23.75/hr
2 Adults + 1 Child (per earner) -$0.49/hr (-2.3%)
St. Louis: $21.07/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 St. Louis Median Houston-Pasadena-The Woodlands Median Nominal Wage Delta Action
General and Operations ManagersFinance & ManagementFinance & Management$93,140$119,600+$26,460 (+28.4%)View Dossier
Registered Nurse (RN)HealthcareHealthcare$83,180$99,830+$16,650 (+20.0%)View Dossier
Project Management SpecialistBusiness OperationsBusiness Operations$100,510$99,510-$1,000 (-1.0%)View Dossier
Accountant & AuditorFinanceFinance$78,880$85,090+$6,210 (+7.9%)View Dossier
Software EngineerTechnologyTechnology$129,030$129,440+$410 (+0.3%)View Dossier
Financial ManagerFinanceFinance$158,780$166,910+$8,130 (+5.1%)View Dossier
ElectricianSkilled TradesSkilled Trades$77,170$59,180-$17,990 (-23.3%)View Dossier
Quality Control InspectorIndustrial ManufacturingIndustrial Manufacturing$51,790$46,630-$5,160 (-10.0%)View Dossier
Industrial Machinery MechanicIndustrial ManufacturingIndustrial Manufacturing$76,780$63,180-$13,600 (-17.7%)View Dossier
Sales ManagersFinance & ManagementFinance & Management$123,870$135,880+$12,010 (+9.7%)View Dossier
Construction ManagersFinance & ManagementFinance & Management$116,680$103,530-$13,150 (-11.3%)View Dossier
Computer and Information Systems ManagersFinance & ManagementFinance & Management$167,130$172,160+$5,030 (+3.0%)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

St. Louis, MO-IL to Houston-Pasadena-The Woodlands, TX Relocation FAQs

About $104,900. That scales $100,000 by the ratio of the metros' cost-of-living indexes (102.3 in St. Louis, MO-IL, 107.4 in Houston-Pasadena-The Woodlands, TX, from EPI family budgets); taxes are compared separately below.

Triangular Relocation & Tax Silo

St. Louis, MO-IL to Houston-Pasadena-The Woodlands, TX: State Paychecks, Rents & Reciprocal Corridor

Reverse Route: Houston-Pasadena-The Woodlands, TX to St. Louis, MO-IL
Relocation: St. Louis, MO-IL to Houston-Pasadena-The Woodlands, TX Overview

St. Louis, MO-IL to Houston-Pasadena-The Woodlands, TX: 2026 federal, state & local income tax, HUD Fair Market Rents & EPI living costs compared on the same.

Quick answers
How much salary do I need in Houston-Pasadena-The Woodlands, TX to match $100,000 in St. Louis, MO-IL?

About $104,900. That scales $100,000 by the ratio of the metros' cost-of-living indexes (102.3 in St. Louis, MO-IL, 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 St. Louis, MO-IL?

EPI's family budgets for a single adult put overall living costs 4.9% higher in Houston-Pasadena-The Woodlands, TX than in St. Louis, MO-IL. The budgets cover housing, food, transportation, health care and other necessities.