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Source-led head-to-head · 2024 ACS

Moving from Irving to Houston

Based on 2024 ACS 5-year data, Irving has higher median household income ($81,830 vs $64,813) and home values ($315,600 vs $277,800) than Houston, but also higher median gross rent ($1,619 vs $1,361). Irving’s shorter commute (26 vs 30 minutes) partially offsets its higher housing costs. Both cities use a uniform non-housing baseline of $1,250/month and have no state individual income tax in the model. The trade-off centers on Irving’s income and equity advantages versus Houston’s lower housing costs, with neither city dominating across all metrics.

Corridor Direction & Trade-off Delta

Moving from Irving to Houston

⇄ Switch to HoustonIrving
Median Rent Impact
-$258/mo

Moving to Houston saves ~$3,096/yr in rent.

State Tax Treatment
0.0% difference

Neither state imposes an individual state income tax.

Daily Commute Difference
+4 min / day

Difference of ~33 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 VERDICTIRVHOU
64/ 100

A close, nuanced move

Your modeled annual room improves.
Estimated annual life delta+$15,480after essentials; unverified state tax excluded
Take-home$69,208$81,592
Core costs$34,428$31,332
Commute time31 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 $3,096 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.

Irving household income$81,830
Houston household income$64,813
Irving gross rent$1,619
Houston gross rent$1,361

Housing, income, and tax reference

MetricIrvingHouston
2024 ACS population256,4922,328,253
Median household income$81,830$64,813
Median gross rent$1,619$1,361
Median owner-occupied home value$315,600$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 26 minutes in Irving 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

  • Higher income in Irving supports greater housing affordability despite higher rents
  • Houston’s lower median home value reduces entry barriers for homebuyers
  • Irving’s shorter commute saves time and transportation costs over Houston
  • Identical tax and non-housing baselines isolate housing and income as key variables

What each city wins

Irving

Median rent is 23.7% of median income.. Watch higher home values may reflect long-term equity potential despite monthly 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 rent-to-income ratio for renters?

Houston has a more favorable rent-to-income ratio: median gross rent is 25.2% of income versus Irving’s 23.7%, making Houston slightly more affordable for renters despite lower incomes.

How does home value appreciation potential compare between the two cities?

Irving’s higher median home value suggests stronger existing equity, but ACS data does not indicate future appreciation; neither city’s long-term value trends can be inferred from 2024 snapshot values alone.

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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