Moving from Massachusetts to Texas
Moving to Texas on the same salary raises your real buying power by 16.7%. Change the salary below to see your own numbers.
Equal salary in TX: $88,100
To keep the same lifestyle, you need about $88,100 in Texas to match $105,000 in Massachusetts ($16,900 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 $105,000 | Massachusetts | Texas |
|---|---|---|
| Federal income tax | $14,270 | $14,270 |
| Social Security + Medicare | $8,033 | $8,033 |
| State income tax | $5,030 | $0 |
| State payroll programs (UI, disability, paid leave, transit) | $483 | $0 |
| Take-home pay | $77,185 | $82,698 |
Key facts: Massachusetts to Texas
- Median rent
- $1,848 → $1,475/mo
- Median home value
- $607,400 → $313,200
- Price level (U.S. = 100)
- 105.8 → 97.1
- Road distance
- ≈ 1,910 miles
- Natural hazard risk (FEMA)
- Among the highest (92.3 → 91.0 of 100)
What changes when you move to Texas
- Texas has no state income tax on wages. At $105,000 you'd stop paying about $5,030 a year in Massachusetts income tax.
- BEA's housing price index is 25% lower in Texas. Median rent goes from $1,848 to $1,475 a month and the median home value from $607,400 to $313,200.
- Homeowners pay less property tax: the median bill is $4,108 in Texas vs $6,080 in Massachusetts.
Who moves from Massachusetts to Texas
In the latest IRS migration data (2022–2023), 4,218 households (6,913 people) filed their taxes in Texas after filing in Massachusetts the year before. That makes Texas the #7 destination for people leaving Massachusetts. These households reported an average adjusted gross income of $110,422. Going the other way, 3,394 households moved from Texas to Massachusetts, a net gain of 824 households for Texas.
Five-year trend
Moves from Massachusetts to Texas peaked in 2021–22 at 4,594 households, then fell 8% by 2022–23. That is still up 26% from 2018–19.
Source: IRS SOI state-to-state migration files, tax years 2018–19 to 2022–23.
Cost to move from Massachusetts to Texas
Moving cost: $1,220–$15,860
Moving about 1,910 miles from Massachusetts to Texas costs roughly $1,220 – $15,860, 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. | $1,220 – $5,750 |
| Moving container You pack and load; the company drives the container. | $2,100 – $5,820 |
| Full-service movers Packing, loading, transport and unloading. | $3,340 – $15,860 |
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 191 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 Massachusetts to Texas
Car shipping: $1,220–$1,780
Shipping a sedan from Massachusetts to Texas on an open carrier costs about $1,220–$1,780, typically 5–10 days in transit over about 1,910 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.
Massachusetts vs Texas take-home pay at every salary
| Salary | Equal salary in TX | Take-home change | Take-home in MA | Take-home in TX |
|---|---|---|---|---|
| $50,000 | $42,800 | +$2,510 | $39,845 | $42,355 |
| $75,000 | $63,200 | +$3,875 | $57,718 | $61,593 |
| $100,000 | $83,900 | +$5,240 | $73,940 | $79,180 |
| $150,000 | $125,600 | +$7,970 | $105,821 | $113,791 |
| $250,000 | $209,700 | +$13,129 | $170,053 | $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 Massachusetts, which narrows the gap shown.
Cost of living: Massachusetts vs Texas
| Measure | Massachusetts | Texas |
|---|---|---|
| Overall price level (U.S. = 100) | 105.8 | 97.1 |
| Housing price index | 128.1 | 96.5 |
| Utilities price index | 152.1 | 87.5 |
| Goods price index | 98.8 | 98.1 |
| Median rent (monthly) | $1,848 | $1,475 |
| Median home value | $607,400 | $313,200 |
| Median property tax (yearly) | $6,080 | $4,108 |
| Electricity (residential) | 29.61¢/kWh | 15.94¢/kWh |
| State sales tax rate | 6.25% | 6.25% |
| Median household income | $104,828 | $79,721 |
Renting and buying: Massachusetts vs Texas
| Measure | Massachusetts | Texas |
|---|---|---|
| Income to rent the median home (30% rule) | $73,920 | $59,000 |
| Monthly cost to own the median home (20% down) | $3,861 | $2,188 |
| Income needed to buy the median home | $165,477 | $93,793 |
| Homeowners insurance (yearly median, homes with a mortgage) | $1,655 | $2,251 |
| Infant child care (center, yearly) | $26,343 | $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: Massachusetts vs Texas
On a $105,000 salary, taxes, housing, electricity, one car and health insurance for one adult come to $61,364 a year in Massachusetts and $53,230 in Texas if you rent: $8,134 less after the move. If you buy the median home, they come to $85,521 and $61,792 ($23,729 less).
Your yearly budget, before vs after
| Yearly cost | MA | TX | Change |
|---|---|---|---|
| Income and payroll taxes on $105,000, single filer | $27,816 | $22,303 | -$5,513 |
| Electricity state average bill | $2,006 | $1,965 | -$41 |
| Car insurance one car, state average | $1,326 | $1,429 | +$103 |
| Gas 12,000 miles at 25 mpg | $2,112 | $1,901 | -$211 |
| Health insurance one adult, age 40, own plan before subsidies | $5,928 | $7,932 | +$2,004 |
| If you rent | |||
| Rent median, 12 months | $22,176 | $17,700 | -$4,476 |
| Total if you rent | $61,364 | $53,230 | -$8,134 |
| If you buy the median home (20% down) | |||
| Mortgage payment median home, 20% down, 6.95% | $38,598 | $19,903 | -$18,695 |
| Property tax median home | $6,080 | $4,108 | -$1,972 |
| Homeowners insurance state median, with a mortgage | $1,655 | $2,251 | +$596 |
| Total if you buy | $85,521 | $61,792 | -$23,729 |
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 $26,343 a year in Massachusetts 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 Massachusetts and Texas.
- How Texas taxes retirement income.
Frequently asked questions
How much salary do I need in Texas to live like I do in Massachusetts?
A $105,000 salary in Massachusetts works out to about $88,100 in Texas once 2026 federal and state taxes and BEA regional price levels are counted. At $100,000 it is about $83,900.
Will I pay less tax in Texas than in Massachusetts?
Yes, about $5,513 less a year in income and payroll taxes on a $105,000 salary (26.5% of pay in Massachusetts vs 21.2% in Texas). Property and sales taxes are shown separately.
How much does it cost to move from Massachusetts to Texas?
For a 2–3 bedroom home over about 1,910 miles, expect roughly $1,220–$5,750 with a rental truck, $2,100–$5,820 with a moving container, or $3,340–$15,860 with full-service movers.
Are more people moving from Massachusetts to Texas?
Moves from Massachusetts to Texas peaked in 2021–22 at 4,594 households, then fell 8% by 2022–23. That is still up 26% from 2018–19.
How many people move from Massachusetts to Texas?
IRS migration data for 2022–2023 show 4,218 households (6,913 people) moved from Massachusetts to Texas, making Texas the #7 destination for people leaving Massachusetts. 3,394 households moved the other way.
Is Texas cheaper than Massachusetts?
Overall prices in Texas are 8.2% lower than Massachusetts (BEA Regional Price Parities 2024). Median rent is $1,475 vs $1,848 a month.
Compare other moves
Where people from Massachusetts actually move
- MA to Florida 12,159 households
- MA to New York 11,027 households
- MA to New Hampshire 10,603 households
- MA to California 7,767 households
- MA to Rhode Island 6,510 households
- MA to Connecticut 6,006 households
- MA to North Carolina 3,483 households
- MA to Maine 3,330 households