2026 Relocation & Cost Arbitrage Engine

Relocation: Virginia Beach, VA-NC 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 Virginia Beach-Chesapeake-Norfolk, VA-NC to Houston-Pasadena-The Woodlands, TX.

Popular Corridors:
Equivalent Salary
$85,200
To maintain parity
Cost of Living Delta
-14.8%
Overall expenditure basket
Annual Tax Delta
+$4,936
State + local taxes
Annual 1BR Rent Delta
-$2,724
HUD Fair Market Rents
Net Annual Buffer
+$7,660/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

Virginia Beach-Chesapeake-Norfolk, VA-NC

COL 126.0
Gross Annual Income $100,000
Federal Income Tax -$13,170
FICA (SS & Medicare) -$7,650
State Income Tax -$4,936
Local / City Tax $0
Net Annual Take-Home $74,244
HUD 1BR Fair Market Rent -$17,856
Discretionary Cash Flow $56,388
Target Market
Destination Location

Houston-Pasadena-The Woodlands, TX

COL 107.4
Gross Parity Income $85,200
Federal Income Tax -$9,914
FICA (SS & Medicare) -$6,518
State Income Tax $0 (No State Tax)
Local / City Tax $0
Net Annual Take-Home $68,768
HUD 1BR Fair Market Rent -$15,132
Discretionary Cash Flow $53,636

EPI family budgets put living costs 14.8% lower in Houston-Pasadena-The Woodlands, TX than in Virginia Beach-Chesapeake-Norfolk, VA-NC, so $100,000 in Virginia Beach goes about as far as $85,200 in Houston. HUD's one-bedroom Fair Market Rent is $1,488 a month in Virginia Beach and $1,261 in Houston, $2,724 a year less. On the same $100,000 salary a single filer pays $4,936 less a year in federal, state and local income tax and FICA in Houston. Taxes and one-bedroom rent together leave you about $7,660 a year better off. The BLS median wage across all occupations is $49,430 in Virginia Beach 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 Virginia Beach-Chesapeake-Norfolk (Monthly) Houston-Pasadena-The Woodlands (Monthly) Monthly Delta ($) Difference (%)
Housing (1BR Fair Market Rent)$1,488$1,261-$227-15.3%
Food & Groceries$365$321-$44-12.1%
Transportation$990$1,015+$25+2.5%
Healthcare$387$422+$35+9.0%
Other Necessities$571$480-$91-15.9%
Total Taxes (Federal, State, Local, FICA)$2,146$1,735-$411-19.2%

HUD Fair Market Rent Differential

1-Bedroom Fair Market Rent -$227/mo (-15.3%)
Virginia Beach-Chesapeake-Norfolk: $1,488/mo Houston-Pasadena-The Woodlands: $1,261/mo
2-Bedroom Fair Market Rent -$170/mo (-10.2%)
Virginia Beach-Chesapeake-Norfolk: $1,667/mo Houston-Pasadena-The Woodlands: $1,497/mo

EPI Living Wage Benchmark Comparison

1 Adult (No Children) -$4.13/hr (-14.8%)
Virginia Beach-Chesapeake-Norfolk: $27.88/hr Houston-Pasadena-The Woodlands: $23.75/hr
2 Adults + 1 Child (per earner) -$2.04/hr (-9.0%)
Virginia Beach-Chesapeake-Norfolk: $22.62/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 Virginia Beach-Chesapeake-Norfolk Median Houston-Pasadena-The Woodlands Median Nominal Wage Delta Action
General and Operations ManagersFinance & ManagementFinance & Management$100,340$119,600+$19,260 (+19.2%)View Dossier
Registered Nurse (RN)HealthcareHealthcare$89,450$99,830+$10,380 (+11.6%)View Dossier
Project Management SpecialistBusiness OperationsBusiness Operations$104,920$99,510-$5,410 (-5.2%)View Dossier
Accountant & AuditorFinanceFinance$79,450$85,090+$5,640 (+7.1%)View Dossier
Software EngineerTechnologyTechnology$129,090$129,440+$350 (+0.3%)View Dossier
ElectricianSkilled TradesSkilled Trades$62,350$59,180-$3,170 (-5.1%)View Dossier
Financial ManagerFinanceFinance$163,940$166,910+$2,970 (+1.8%)View Dossier
Industrial Machinery MechanicIndustrial ManufacturingIndustrial Manufacturing$64,620$63,180-$1,440 (-2.2%)View Dossier
WelderSkilled TradesSkilled Trades$62,670$57,940-$4,730 (-7.5%)View Dossier
Quality Control InspectorIndustrial ManufacturingIndustrial Manufacturing$57,330$46,630-$10,700 (-18.7%)View Dossier
Construction ManagersFinance & ManagementFinance & Management$105,240$103,530-$1,710 (-1.6%)View Dossier
Sales ManagersFinance & ManagementFinance & Management$158,750$135,880-$22,870 (-14.4%)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

Virginia Beach-Chesapeake-Norfolk, VA-NC to Houston-Pasadena-The Woodlands, TX Relocation FAQs

About $85,200. That scales $100,000 by the ratio of the metros' cost-of-living indexes (126.0 in Virginia Beach-Chesapeake-Norfolk, VA-NC, 107.4 in Houston-Pasadena-The Woodlands, TX, from EPI family budgets); taxes are compared separately below.

Triangular Relocation & Tax Silo

Virginia Beach-Chesapeake-Norfolk, VA-NC to Houston-Pasadena-The Woodlands, TX: State Paychecks, Rents & Reciprocal Corridor

Reverse Route: Houston-Pasadena-The Woodlands, TX to Virginia Beach-Chesapeake-Norfolk, VA-NC
Relocation: Virginia Beach, VA-NC to Houston-Pasadena, TX Overview

Virginia Beach-Chesapeake-Norfolk, VA-NC to Houston-Pasadena-The Woodlands, TX: 2026 federal, state & local income tax, HUD Fair Market Rents & EPI living. Official 2026 economic data for Relocation: Virginia Beach, VA-NC 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 Virginia Beach-Chesapeake-Norfolk, VA-NC?

About $85,200. That scales $100,000 by the ratio of the metros' cost-of-living indexes (126.0 in Virginia Beach-Chesapeake-Norfolk, VA-NC, 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 Virginia Beach-Chesapeake-Norfolk, VA-NC?

EPI's family budgets for a single adult put overall living costs 14.8% lower in Houston-Pasadena-The Woodlands, TX than in Virginia Beach-Chesapeake-Norfolk, VA-NC. The budgets cover housing, food, transportation, health care and other necessities.