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Source-led head-to-head · 2024 ACS

Moving from Gilbert to Houston

The 2024 ACS 5-year estimates reveal Gilbert, AZ has a median household income of $122,551—nearly double Houston’s $64,813—yet its median home value is $575,100 versus Houston’s $277,800. Gilbert’s higher income supports greater housing affordability despite elevated costs, while its 27-minute commute is slightly better than Houston’s 30 minutes. Houston reports a 0.00% state income tax in the calculator’s simplified reference, but this is a model assumption, not a tax liability claim. Neither city’s data establishes safety, schools, or job quality.

Corridor Direction & Trade-off Delta

Moving from Gilbert to Houston

⇄ Switch to HoustonGilbert
Median Rent Impact
-$749/mo

Moving to Houston saves ~$8,988/yr in rent.

State Tax Treatment
0.0% difference

Neither state imposes an individual state income tax.

Daily Commute Difference
+3 min / day

Difference of ~25 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 VERDICTGILHOU
68/ 100

Worth serious consideration

Your modeled annual room improves.
Estimated annual life delta+$21,372after essentials; unverified state tax excluded
Take-home$69,208$81,592
Core costs$40,320$31,332
Commute time23 hours lost
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 $8,988 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.

Gilbert household income$122,551
Houston household income$64,813
Gilbert gross rent$2,110
Houston gross rent$1,361

Housing, income, and tax reference

MetricGilbertHouston
2024 ACS population280,2622,328,253
Median household income$122,551$64,813
Median gross rent$2,110$1,361
Median owner-occupied home value$575,100$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 27 minutes in Gilbert 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

  • Gilbert has higher median income
  • Houston has lower home values
  • Gilbert has slightly shorter commute
  • Tax treatment is modeled, not actual

What each city wins

Gilbert

Rent-to-income ratio is approximately 20.6% based on citywide medians.. Watch higher home values may reflect long-term equity potential despite elevated monthly housing costs..

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 value relative to income?

Gilbert’s median income is 86% higher than Houston’s, while its median home value is 107% higher—indicating Houston offers a more favorable income-to-home-value ratio based on 2024 ACS data.

How do commute times compare between the two cities?

Gilbert’s derived one-way commute is 27 minutes, Houston’s is 30 minutes—both calculated from weighted midpoints in the 2024 ACS table B08303, making Gilbert’s commute slightly shorter on average.

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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