Moving from Chicago to Houston
Your paycheck goes 11.7% further in Houston than in Chicago. Compare taxes, rent, home prices and the cost of the move.
Equal salary in Houston: $79,200
Compare any two of 149 U.S. metro areas. All cities
To keep the same lifestyle, you need about $79,200 in Houston, TX to match $90,000 in Chicago, IL ($10,800 less), after 2026 taxes and local prices.
Single filer, W-2 salary. Texas has no state income tax on wages; Illinois does; neither city levies a resident income tax.
Chicago vs Houston: key facts
- Median rent
- $1,469 → $1,469/mo
- Median home value
- $339,700 → $327,400
- Median household income
- $90,770 → $81,417
- Price level (U.S. = 100)
- 103.6 → 98.6
- Natural hazard risk (FEMA)
- Among the highest (97.1 → 97.6 of 100)
Chicago vs Houston cost of living
The vertical line marks the U.S. average (100).
| Measure | Chicago, IL | Houston, TX |
|---|---|---|
| Overall price level (U.S. = 100) | 103.6 | 98.6 |
| Median rent | $1,469 | $1,469 |
| Income to rent affordably (30%) | $58,760 | $58,760 |
| Median home value | $339,700 | $327,400 |
| Monthly cost to own (20% down) | $2,453 | $2,317 |
| Income needed to buy | $105,125 | $99,308 |
| Median property tax | $6,461 | $4,750 |
| State income tax on $90,000 | $4,310 | $0 |
| Metro population | 9,406,924 | 7,796,182 |
Metro-area figures (Census ACS 2024, BEA 2024). Taxes use each metro's principal state.
At higher incomes, especially for homeowners, itemizing state and local taxes (deductible up to $40,400 in 2026) can lower your federal tax while you live in Chicago, which narrows the gap shown.
Your yearly budget: Chicago vs Houston
On a $90,000 salary, taxes, housing, electricity, one car and health insurance for one adult come to $52,355 a year in Chicago and $48,710 in Houston if you rent: $3,645 less after the move. If you buy the median home, they come to $64,162 and $58,888 ($5,274 less).
Your yearly budget, before vs after
| Yearly cost | ChicagoBefore | HoustonAfter | Change |
|---|---|---|---|
| Income and payroll taxes on $90,000, single filer | $22,165 | $17,855 | -$4,310 |
| Electricity state average bill | $1,320 | $1,965 | +$645 |
| Car insurance one car, state average | $1,153 | $1,429 | +$276 |
| Gas 12,000 miles at 25 mpg | $2,337 | $1,901 | -$436 |
| Health insurance one adult, age 40, own plan before subsidies | $7,752 | $7,932 | +$180 |
| If you rent | |||
| Rent median, 12 months | $17,628 | $17,628 | $0 |
| Total if you rent | $52,355 | $48,710 | -$3,645 |
| If you buy the median home (20% down) | |||
| Mortgage payment median home, 20% down, 6.95% | $21,587 | $20,805 | -$782 |
| Property tax median home | $6,461 | $4,750 | -$1,711 |
| Homeowners insurance state median, with a mortgage | $1,387 | $2,251 | +$864 |
| Total if you buy | $64,162 | $58,888 | -$5,274 |
Taxes: 2026 federal and state rules, plus the principal city's resident income tax where it has one, standard deduction. Rent, home value and property tax: Census ACS 2024 metro-area medians. Mortgage: Freddie Mac 30-year average (6.95%, week of September 17, 2026).
State figures for the principal state: EIA 2024 average residential power bill, NAIC 2023 auto insurance (average per car), Census ACS 2024 homeowners insurance (median for owners with a mortgage; premiums have risen since), AAA regular gas on September 23, 2026, and the KFF 2026 benchmark silver Marketplace premium. Job-based health coverage usually costs you less, and in 2026 incomes between 100% and 400% of the federal poverty level can get a premium tax credit.
Not included: sales tax (combined state and local rates are not in our data yet), food, car payments and other spending.
Child care is not in the totals. Full-time center care for one infant averages $19,807 a year in Chicago and $11,349 in Houston (Child Care Aware of America, 2024 state averages).
Who moves from Chicago to Houston
About 2,107 households (3,800 people) moved from the Chicago metro area to the Houston metro area in 2022–2023, making Houston the #9 destination for people leaving Chicago among the 149 metro areas we cover. 1,412 households moved the other way. Their average adjusted gross income was $90,032.
Cost to move from Chicago to Houston
| Moving method (2–3 bedrooms) | Typical range |
|---|---|
| Rental truck (DIY) | $790–$3,310 |
| Moving container | $1,620–$4,020 |
| Full-service movers | $2,620–$10,650 |
Shipping a car instead of driving
Car shipping: $920–$1,360
Shipping a sedan from Chicago to Houston on an open carrier costs about $920–$1,360, typically 3–7 days in transit over about 1,100 miles.
Modeled from 32 published 2026 route prices (SGT Auto Transport 'Ship a Car to Another State' sample routes, SGT Auto Transport cost calculator sample routes) plus published Hawaii and Alaska rates. SUVs cost about 25% more and enclosed carriers about 35% more. Not a quote.
Natural hazard risk: Chicago vs Houston
FEMA's National Risk Index rates the Chicago area among the highest (score 97.1) and the Houston area among the highest (score 97.6), on a 0–100 national percentile scale. Expected yearly losses from natural hazards average $443 vs $456 per resident.
The vertical line marks the middle of U.S. counties (50).
The vertical line marks the middle of U.S. counties (50).
Frequently asked questions
Is Houston cheaper than Chicago?
Overall prices in the Houston area are 4.8% lower than in Chicago (BEA Regional Price Parities 2024). Median rent is $1,469 vs $1,469 a month, and the median home is $327,400 vs $339,700.
What salary do I need in Houston to match $100,000 in Chicago?
About $88,100, after 2026 federal taxes and local prices. Texas has no state income tax on wages; Illinois does.
How much does it cost to move from Chicago to Houston?
For a 2–3 bedroom home over about 1,100 miles: roughly $790–$3,310 with a rental truck, $1,620–$4,020 with a container, or $2,620–$10,650 with full-service movers.
How many people move from Chicago to Houston?
IRS county migration data for 2022–2023 show about 2,107 households (3,800 people) moved from the Chicago metro area to the Houston metro area, and 1,412 moved the other way.
Related
Where people from Chicago move
- Chicago to New York 4,600 households
- Chicago to Phoenix 3,626 households
- Chicago to Dallas 3,289 households
- Chicago to Los Angeles 3,248 households
- Chicago to Milwaukee 2,294 households
- Chicago to Miami 2,294 households
- Chicago to Indianapolis 2,181 households
- Chicago to Denver 2,160 households