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Source-led head-to-head · 2024 ACS

Moving from Fontana to Houston

Fontana and Houston present contrasting 2024 ACS profiles: Fontana’s higher median income ($102,821) and home value ($586,800) reflect a premium housing market, while Houston’s lower income ($64,813) and home value ($277,800) suggest greater affordability. Fontana’s longer commute (35 min vs. 30 min) offsets some income advantage, and Texas’s 0% state income tax (per calculator assumption) enhances Houston’s net disposable income despite lower gross earnings. Rent is higher in Fontana ($1,839 vs. $1,361), further widening the housing cost gap. The trade-off centers on whether Fontana’s income premium justifies its elevated housing and commute burdens relative to Houston’s lower costs and tax advantage.

Corridor Direction & Trade-off Delta

Moving from Fontana to Houston

⇄ Switch to HoustonFontana
Median Rent Impact
-$478/mo

Moving to Houston saves ~$5,736/yr in rent.

State Tax Treatment
0.0% difference

Neither state imposes an individual state income tax.

Daily Commute Difference
-5 min / day

Difference of ~42 hours per year spent commuting based on 2024 ACS midpoint averages.

Your move

Compare the life behind the offer.

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What matters most?

Directional estimate using ACS citywide benchmarks. Verified profiles may include a simplified state-tax reference; automatically added profiles exclude state tax until an official reference is approved. Exact tax, benefits, debt, housing, insurance, and personal circumstances may materially change the result.

LIVE VERDICTFONHOU
70/ 100

Worth serious consideration

Your modeled annual room improves.
Estimated annual life delta+$18,120after essentials; unverified state tax excluded
Take-home$69,208$81,592
Core costs$37,068$31,332
Commute time39 hours gained
Best gainMedian owner-occupied home value of $277,800.
Watch closelyA citywide median income of $64,813 paired with a 30-minute derived commute.
See assumptions and methodology →
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The short answer

In the uniform one-person renting baseline, Houston is about $5,736 lower per year. This is not a verdict by itself: replace city medians with the actual offer, address, household, benefits, insurance, and tax details before deciding.

Fontana household income$102,821
Houston household income$64,813
Fontana gross rent$1,839
Houston gross rent$1,361

Housing, income, and tax reference

MetricFontanaHouston
2024 ACS population214,1692,328,253
Median household income$102,821$64,813
Median gross rent$1,839$1,361
Median owner-occupied home value$586,800$277,800
State-tax treatmentExcluded0% simplified
Salary & Affordability Benchmark

How much do you need to earn to live in Houston?

2024 ACS Median Income

$64,813/yr

30% Rule for RentRecommended
$54,440 / year

To afford Houston's median gross rent of $1,361/mo at or below 30% of gross earnings, a household needs approximately $26.17/hour (full-time).

28% Rule for HomeownershipMedian Home
$70,457 / year

Modeled against Houston's median home benchmark of $277,800 (estimated $1,644/mo ownership carrying cost at typical 7.1% baseline).

Slide to test your income against local rent, taxes, and essentials.
$64,813gross/year
Affordability Status:Balanced
Rent is 25% of gross income (32% of net pay)

Rent aligns with the standard 30% rule (25% of gross pay). Standard budgeting applies.

Monthly Budget AllocationEstimated Net Take-Home: $4,205/mo
Tax 22%
Rent 25%
Essentials 23%
Savings 30%
Taxes: $1,188/mo Rent: $1,361/mo Essentials: $1,250/mo Discretionary Margin: $1,594/mo

Time and daily routine

The commute-time distribution produces a weighted one-way estimate of about 35 minutes in Fontana and 30 minutes in Houston. This citywide estimate cannot capture a specific route, remote-work schedule, or transit choice, so the calculator converts it into an explicit time difference instead of hiding it in a subjective lifestyle score.

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Decision checklist

  • Median household income disparity
  • Median gross rent and home value gap
  • One-way commute time difference
  • State income tax assumption impact

What each city wins

Fontana

Rent consumes ~21.5% of median income.. Watch lower rent burden vs. high home values..

Houston

Median owner-occupied home value of $277,800.. Watch a citywide median income of $64,813 paired with a 30-minute derived commute..

Frequently asked questions

Which city offers better housing affordability relative to income?

Houston shows stronger housing affordability with median gross rent at 25% of income versus Fontana’s 21%, though Fontana’s higher income partially offsets its higher absolute rent; home value-to-income ratios are 4.3x in Houston vs. 5.7x in Fontana, favoring Houston for purchase affordability.

How does commute time affect the income-housing trade-off between the two cities?

Fontana’s 5-minute longer commute reduces effective income advantage, especially when combined with 35% higher rent and 111% higher home values; Houston’s shorter commute and lower housing costs improve net time-and-money efficiency despite lower gross earnings.

Source boundary: Core figures come from the 2024 ACS five-year tables linked on each city profile. Commute is derived from B08303 midpoint weighting. A state-tax value without an approved official reference is excluded and disclosed. This comparison becomes index-eligible only after its unique analysis clears the content quality gate.

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