Moving from Hawaii to Texas
Moving to Texas on the same salary raises your real buying power by 22.9%. Change the salary below to see your own numbers.
Equal salary in TX: $79,000
To keep the same lifestyle, you need about $79,000 in Texas to match $100,000 in Hawaii ($21,000 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 $100,000 | Hawaii | Texas |
|---|---|---|
| Federal income tax | $13,170 | $13,170 |
| Social Security + Medicare | $7,650 | $7,650 |
| State income tax | $5,796 | $0 |
| State payroll programs (UI, disability, paid leave, transit) | $390 | $0 |
| Take-home pay | $72,994 | $79,180 |
Key facts: Hawaii to Texas
- Median rent
- $1,942 → $1,475/mo
- Median home value
- $875,900 → $313,200
- Price level (U.S. = 100)
- 110.0 → 97.1
- Natural hazard risk (FEMA)
- Among the highest (97.4 → 91.0 of 100)
What changes when you move to Texas
- Texas has no state income tax on wages. At $100,000 you'd stop paying about $5,796 a year in Hawaii income tax.
- BEA's housing price index is 23% lower in Texas. Median rent goes from $1,942 to $1,475 a month and the median home value from $875,900 to $313,200.
- Homeowners pay more property tax: the median bill is $4,108 in Texas vs $2,385 in Hawaii.
- The average home electric bill is $164 a month in Texas vs $212 in Hawaii (EIA 2024), about $581 a year less.
- Prices for everyday goods are 12% lower (BEA). The statewide sales tax rate is 6.25% in Texas vs 4% in Hawaii, before local sales taxes.
Who moves from Hawaii to Texas
In the latest IRS migration data (2022–2023), 2,381 households (5,069 people) filed their taxes in Texas after filing in Hawaii the year before. That makes Texas the #3 destination for people leaving Hawaii. These households reported an average adjusted gross income of $67,314. Going the other way, 1,891 households moved from Texas to Hawaii, a net gain of 490 households for Texas.
Five-year trend
Moves from Hawaii to Texas peaked in 2020–21 at 2,531 households, then fell 6% by 2022–23. That is still down 3% from 2018–19.
Source: IRS SOI state-to-state migration files, tax years 2018–19 to 2022–23.
Cost to move from Hawaii to Texas
Ocean freight: from $4,830
Moving from Hawaii to Texas goes by sea. Ocean freight alone for a 2–3 bedroom home runs about $4,830 to $9,030; trucking to and from the ports and the loading are extra.
These are published prices for a 2–3 bedroom home, dated in each row, not quotes for your move. Ocean freight changes with fuel surcharges and sailing schedules, so get at least three written quotes.
| Moving method | Published range |
|---|---|
| Moving container, door to door We found no published price for this route and home size. | Get quotes |
| Shipping container you load, port to port Matson's published household-goods rates (from June 1, 2026, with its 14% fuel surcharge): 20-ft container from Honolulu to a West Coast port, up to 40-ft via its Dallas, TX rail ramp, the nearest to Texas. Add trucking and loading. | $4,830 – $9,030 |
| Full-service movers We found no published price for this route and home size. | Get quotes |
Port-to-port rows cover the ocean leg only: add trucking to and from the ports, loading and unloading. Honolulu prices: moves to or from Maui, Kauai or the Big Island cost more.
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 Hawaii to Texas
Car shipping: $2,000–$2,800
Shipping a sedan from Hawaii to Texas by ocean carrier costs about $2,000–$2,800, typically 2–5 weeks in transit.
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.
Hawaii vs Texas take-home pay at every salary
| Salary | Equal salary in TX | Take-home change | Take-home in HI | Take-home in TX |
|---|---|---|---|---|
| $50,000 | $41,300 | +$2,275 | $40,080 | $42,355 |
| $75,000 | $60,300 | +$4,271 | $57,321 | $61,593 |
| $100,000 | $79,000 | +$6,186 | $72,994 | $79,180 |
| $150,000 | $117,600 | +$10,034 | $103,757 | $113,791 |
| $250,000 | $195,500 | +$18,283 | $164,899 | $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 Hawaii, which narrows the gap shown.
Cost of living: Hawaii vs Texas
| Measure | Hawaii | Texas |
|---|---|---|
| Overall price level (U.S. = 100) | 110.0 | 97.1 |
| Housing price index | 125.3 | 96.5 |
| Utilities price index | 190.2 | 87.5 |
| Goods price index | 111.6 | 98.1 |
| Median rent (monthly) | $1,942 | $1,475 |
| Median home value | $875,900 | $313,200 |
| Median property tax (yearly) | $2,385 | $4,108 |
| Electricity (residential) | 52.72¢/kWh | 15.94¢/kWh |
| State sales tax rate | 4% | 6.25% |
| Median household income | $100,745 | $79,721 |
Renting and buying: Hawaii vs Texas
| Measure | Hawaii | Texas |
|---|---|---|
| Income to rent the median home (30% rule) | $77,680 | $59,000 |
| Monthly cost to own the median home (20% down) | $4,962 | $2,188 |
| Income needed to buy the median home | $212,642 | $93,793 |
| Homeowners insurance (yearly median, homes with a mortgage) | $1,494 | $2,251 |
| Infant child care (center, yearly) | $24,115 | $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: Hawaii vs Texas
On a $100,000 salary, taxes, housing, electricity, one car and health insurance for one adult come to $62,903 a year in Hawaii and $51,747 in Texas if you rent: $11,156 less after the move. If you buy the median home, they come to $99,139 and $60,309 ($38,830 less).
Your yearly budget, before vs after
| Yearly cost | HI | TX | Change |
|---|---|---|---|
| Income and payroll taxes on $100,000, single filer | $27,006 | $20,820 | -$6,186 |
| Electricity state average bill | $2,545 | $1,965 | -$580 |
| Car insurance one car, state average | $888 | $1,429 | +$541 |
| Gas 12,000 miles at 25 mpg | $2,668 | $1,901 | -$767 |
| Health insurance one adult, age 40, own plan before subsidies | $6,492 | $7,932 | +$1,440 |
| If you rent | |||
| Rent median, 12 months | $23,304 | $17,700 | -$5,604 |
| Total if you rent | $62,903 | $51,747 | -$11,156 |
| If you buy the median home (20% down) | |||
| Mortgage payment median home, 20% down, 6.95% | $55,661 | $19,903 | -$35,758 |
| Property tax median home | $2,385 | $4,108 | +$1,723 |
| Homeowners insurance state median, with a mortgage | $1,494 | $2,251 | +$757 |
| Total if you buy | $99,139 | $60,309 | -$38,830 |
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 $24,115 a year in Hawaii and $11,349 in Texas (Child Care Aware of America, 2024 state averages).
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 Hawaii and Texas.
- How Texas taxes retirement income.
Frequently asked questions
How much salary do I need in Texas to live like I do in Hawaii?
A $100,000 salary in Hawaii works out to about $79,000 in Texas once 2026 federal and state taxes and BEA regional price levels are counted.
Will I pay less tax in Texas than in Hawaii?
Yes, about $6,186 less a year in income and payroll taxes on a $100,000 salary (27.0% of pay in Hawaii vs 20.8% in Texas). Property and sales taxes are shown separately.
How much does it cost to move from Hawaii to Texas?
For a 2–3 bedroom home, published prices are shipping container you load, port to port: $4,830 – $9,030 (Matson rates from June 1, 2026). Port-to-port freight leaves out trucking to and from the ports and the loading. Prices change with fuel surcharges and sailing schedules, so get at least three written quotes.
Are more people moving from Hawaii to Texas?
Moves from Hawaii to Texas peaked in 2020–21 at 2,531 households, then fell 6% by 2022–23. That is still down 3% from 2018–19.
How many people move from Hawaii to Texas?
IRS migration data for 2022–2023 show 2,381 households (5,069 people) moved from Hawaii to Texas, making Texas the #3 destination for people leaving Hawaii. 1,891 households moved the other way.
Is Texas cheaper than Hawaii?
Overall prices in Texas are 11.7% lower than Hawaii (BEA Regional Price Parities 2024). Median rent is $1,475 vs $1,942 a month.
Compare other moves
Where people from Hawaii actually move
- HI to California 5,048 households
- HI to Washington 2,451 households
- HI to Nevada 1,863 households
- HI to Florida 1,553 households
- HI to Virginia 1,169 households
- HI to Colorado 1,159 households
- HI to Oregon 999 households
- HI to Arizona 921 households