Moving from Colorado to Texas
Moving to Texas on the same salary raises your real buying power by 11.9%. Change the salary below to see your own numbers.
Equal salary in TX: $83,500
To keep the same lifestyle, you need about $83,500 in Texas to match $95,000 in Colorado ($11,500 less), after 2026 taxes and local prices.
Single filer, W-2 salary, standard deduction.
These changes cover taxes, housing and electricity. Food, transport, healthcare, other spending and one-time moving costs are excluded. They are not total savings. State medians may differ from your neighborhood and current quotes.
| Tax on $95,000 | Colorado | Texas |
|---|---|---|
| Federal income tax | $12,070 | $12,070 |
| Social Security + Medicare | $7,268 | $7,268 |
| State income tax | $3,472 | $0 |
| State payroll programs (UI, disability, paid leave, transit) | $418 | $0 |
| Take-home pay | $71,773 | $75,663 |
Key facts: Colorado to Texas
- Median rent
- $1,822 → $1,475/mo
- Median home value
- $574,600 → $313,200
- Price level (U.S. = 100)
- 103.1 → 97.1
- Road distance
- ≈ 870 miles
- Natural hazard risk (FEMA)
- Among the highest (85.0 → 91.0 of 100)
What changes when you move to Texas
- Texas has no state income tax on wages. At $95,000 you'd stop paying about $3,472 a year in Colorado income tax.
- BEA's housing price index is 24% lower in Texas. Median rent goes from $1,822 to $1,475 a month and the median home value from $574,600 to $313,200.
- Homeowners pay more property tax: the median bill is $4,108 in Texas vs $2,828 in Colorado.
- The average home electric bill is $164 a month in Texas vs $101 in Colorado (EIA 2024), about $758 a year more.
Who moves from Colorado to Texas
In the latest IRS migration data (2022–2023), 12,275 households (21,783 people) filed their taxes in Texas after filing in Colorado the year before. That makes Texas the #1 destination for people leaving Colorado. These households reported an average adjusted gross income of $88,673. Going the other way, 14,923 households moved from Texas to Colorado, a net loss of 2,648 households for Texas.
Five-year trend
Moves from Colorado to Texas peaked in 2021–22 at 13,576 households, then fell 10% by 2022–23. That is still up 16% from 2018–19.
Source: IRS SOI state-to-state migration files, tax years 2018–19 to 2022–23.
Cost to move from Colorado to Texas
Moving cost: $670–$9,170
Moving about 870 miles from Colorado to Texas costs roughly $670 – $9,170, depending on how much of the work you hire out.
Distance between the states' population centers by road (estimate).
| Moving method | Typical range |
|---|---|
| Rental truck (DIY) Truck rental, taxes and fees. Add fuel, damage coverage, lodging and your time. | $670 – $2,620 |
| Moving container You pack and load; the company drives the container. | $1,480 – $3,510 |
| Full-service movers Packing, loading, transport and unloading. | $2,420 – $9,170 |
These ranges are based on summer (peak-season) quotes. A move between October and April usually costs less: peak prices run 20–30% higher.
A rental truck also burns about 87 gallons of fuel over this distance. One-way truck rental prices depend on direction: a truck headed where many people are moving often costs more than the same trip in reverse.
Ranges combine 198 published quote ranges on 22 interstate routes (moveBuddha, retrieved 2026-09-24) with 47 independent published prices from U-Pack, HireAHelper and Move.org, which raised the top of several ranges. They are not quotes; get at least three written estimates.
Alaska and Hawaii ranges come from published carrier rates and moving quotes, dated in each row (Matson's household-goods rates, U-Pack, Royal Hawaiian Movers). See how we estimate.
Shipping a car from Colorado to Texas
Car shipping: $830–$1,240
Shipping a sedan from Colorado to Texas on an open carrier costs about $830–$1,240, typically 3–7 days in transit over about 870 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.
Colorado vs Texas take-home pay at every salary
| Salary | Equal salary in TX | Take-home change | Take-home in CO | Take-home in TX |
|---|---|---|---|---|
| $50,000 | $44,900 | +$1,712 | $40,643 | $42,355 |
| $75,000 | $66,100 | +$2,922 | $58,671 | $61,593 |
| $100,000 | $87,900 | +$4,132 | $75,048 | $79,180 |
| $150,000 | $131,300 | +$6,552 | $107,239 | $113,791 |
| $250,000 | $217,800 | +$11,103 | $172,079 | $183,182 |
Single filer, 2026 tax rules, standard deduction. "Equal salary" keeps the same after-tax buying power.
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 Colorado, which narrows the gap shown.
Cost of living: Colorado vs Texas
| Measure | Colorado | Texas |
|---|---|---|
| Overall price level (U.S. = 100) | 103.1 | 97.1 |
| Housing price index | 127.4 | 96.5 |
| Utilities price index | 85.0 | 87.5 |
| Goods price index | 98.7 | 98.1 |
| Median rent (monthly) | $1,822 | $1,475 |
| Median home value | $574,600 | $313,200 |
| Median property tax (yearly) | $2,828 | $4,108 |
| Electricity (residential) | 17.13¢/kWh | 15.94¢/kWh |
| State sales tax rate | 2.9% | 6.25% |
| Median household income | $97,113 | $79,721 |
Renting and buying: Colorado vs Texas
| Measure | Colorado | Texas |
|---|---|---|
| Income to rent the median home (30% rule) | $72,880 | $59,000 |
| Monthly cost to own the median home (20% down) | $3,466 | $2,188 |
| Income needed to buy the median home | $148,554 | $93,793 |
| Homeowners insurance (yearly median, homes with a mortgage) | $2,253 | $2,251 |
| Infant child care (center, yearly) | $20,978 | $11,349 |
Mortgage at the Freddie Mac 30-year average with 20% down, plus the median property tax and the median homeowners insurance that owners with a mortgage paid in 2024 (Census ACS). Premiums have risen in most states since then, so get quotes. See buying a home in Texas for other down payments.
Your yearly budget: Colorado vs Texas
On a $95,000 salary, taxes, housing, electricity, one car and health insurance for one adult come to $56,523 a year in Colorado and $50,265 in Texas if you rent: $6,258 less after the move. If you buy the median home, they come to $76,254 and $58,827 ($17,427 less).
Your yearly budget, before vs after
| Yearly cost | CO | TX | Change |
|---|---|---|---|
| Income and payroll taxes on $95,000, single filer | $23,227 | $19,338 | -$3,889 |
| Electricity state average bill | $1,207 | $1,965 | +$758 |
| Car insurance one car, state average | $1,453 | $1,429 | -$24 |
| Gas 12,000 miles at 25 mpg | $2,088 | $1,901 | -$187 |
| Health insurance one adult, age 40, own plan before subsidies | $6,684 | $7,932 | +$1,248 |
| If you rent | |||
| Rent median, 12 months | $21,864 | $17,700 | -$4,164 |
| Total if you rent | $56,523 | $50,265 | -$6,258 |
| If you buy the median home (20% down) | |||
| Mortgage payment median home, 20% down, 6.95% | $36,514 | $19,903 | -$16,611 |
| Property tax median home | $2,828 | $4,108 | +$1,280 |
| Homeowners insurance state median, with a mortgage | $2,253 | $2,251 | -$2 |
| Total if you buy | $76,254 | $58,827 | -$17,427 |
Taxes: 2026 federal and state rules, standard deduction. Rent, home value and property tax: Census ACS 2024 state medians. Mortgage: Freddie Mac 30-year average (6.95%, week of September 17, 2026).
State figures: 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 $20,978 a year in Colorado and $11,349 in Texas (Child Care Aware of America, 2024 state averages).
Compare cities: Colorado to Texas
Cost of living in Texas cities: Dallas, Houston, San Antonio, Austin.
After you arrive in Texas
- Texas new resident checklist: driver license and vehicle registration deadlines.
- Taxes the year you move: part-year returns in Colorado and Texas.
- How Texas taxes retirement income.
Frequently asked questions
How much salary do I need in Texas to live like I do in Colorado?
A $95,000 salary in Colorado works out to about $83,500 in Texas once 2026 federal and state taxes and BEA regional price levels are counted. At $100,000 it is about $87,900.
Will I pay less tax in Texas than in Colorado?
Yes, about $3,890 less a year in income and payroll taxes on a $95,000 salary (24.4% of pay in Colorado vs 20.4% in Texas). Property and sales taxes are shown separately.
How much does it cost to move from Colorado to Texas?
For a 2–3 bedroom home over about 870 miles, expect roughly $670–$2,620 with a rental truck, $1,480–$3,510 with a moving container, or $2,420–$9,170 with full-service movers.
Are more people moving from Colorado to Texas?
Moves from Colorado to Texas peaked in 2021–22 at 13,576 households, then fell 10% by 2022–23. That is still up 16% from 2018–19.
How many people move from Colorado to Texas?
IRS migration data for 2022–2023 show 12,275 households (21,783 people) moved from Colorado to Texas, making Texas the #1 destination for people leaving Colorado. 14,923 households moved the other way.
Is Texas cheaper than Colorado?
Overall prices in Texas are 5.8% lower than Colorado (BEA Regional Price Parities 2024). Median rent is $1,475 vs $1,822 a month.
Compare other moves
Where people from Colorado actually move
- CO to California 9,699 households
- CO to Florida 9,070 households
- CO to Arizona 6,012 households
- CO to Washington 3,935 households
- CO to North Carolina 3,423 households
- CO to New York 3,210 households
- CO to Illinois 3,198 households
- CO to Missouri 2,677 households