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Source-led head-to-head · 2024 ACS

Moving from Houston to Madison

Houston and Madison answer different parts of the relocation question. Houston has the lower default annual core-cost model, while the salary, excluded state-tax assumption, and rent-versus-buy choice can reverse that result. Use the citywide ACS figures as reference points, then replace them with the actual offer and housing quote.

Corridor Direction & Trade-off Delta

Moving from Houston to Madison

⇄ Switch to MadisonHouston
Median Rent Impact
+$52/mo

Moving to Madison costs ~$624 more/yr in rent.

State Tax Treatment
0.0% difference

Neither state imposes an individual state income tax.

Daily Commute Difference
-9 min / day

Difference of ~75 hours per year spent commuting based on 2024 ACS midpoint averages.

Your move

Compare the life behind the offer.

Adjust the assumptions. Every result updates instantly.

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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 VERDICTHOUMAD
69/ 100

Worth serious consideration

Your modeled annual room improves.
Estimated annual life delta+$11,760after essentials; unverified state tax excluded
Take-home$69,208$81,592
Core costs$31,332$31,956
Commute time71 hours gained
Best gainMedian rent is 21.7% of median income.
Watch closelyHigher home values may reflect long-term equity potential despite monthly costs.
See assumptions and methodology →
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The short answer

In the uniform one-person renting baseline, Houston is about $624 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.

Houston household income$64,813
Madison household income$78,050
Houston gross rent$1,361
Madison gross rent$1,413

Housing, income, and tax reference

MetricHoustonMadison
2024 ACS population2,328,253278,001
Median household income$64,813$78,050
Median gross rent$1,361$1,413
Median owner-occupied home value$277,800$372,900
State-tax treatment0% simplifiedExcluded
Salary & Affordability Benchmark

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

2024 ACS Median Income

$78,050/yr

30% Rule for RentRecommended
$56,520 / year

To afford Madison's median gross rent of $1,413/mo at or below 30% of gross earnings, a household needs approximately $27.17/hour (full-time).

28% Rule for HomeownershipMedian Home
$94,543 / year

Modeled against Madison's median home benchmark of $372,900 (estimated $2,206/mo ownership carrying cost at typical 7.1% baseline).

Slide to test your income against local rent, taxes, and essentials.
$78,050gross/year
Affordability Status:Comfortable
Rent is 22% of gross income (30% of net pay)

At this income, median rent is only 22% of gross pay, leaving strong room for savings and essentials.

Monthly Budget AllocationEstimated Net Take-Home: $4,738/mo
Tax 27%
Rent 22%
Essentials 19%
Savings 32%
Taxes: $1,756/mo Rent: $1,413/mo Essentials: $1,250/mo Discretionary Margin: $2,075/mo

Time and daily routine

The commute-time distribution produces a weighted one-way estimate of about 30 minutes in Houston and 21 minutes in Madison. 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

  • Compare actual offers rather than city medians
  • Verify neighborhood housing against the citywide ACS benchmark
  • Treat renting and buying as separate decisions
  • Use the route-specific commute, not only the city estimate

What each city wins

Houston

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

Madison

Median rent is 21.7% of median income.. Watch higher home values may reflect long-term equity potential despite monthly costs..

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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