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Source-led head-to-head · 2024 ACS

Moving from Montgomery to Houston

Montgomery and Houston are compared using 2024 ACS 5-year data. Montgomery has lower median income ($56,811) and rent ($1,089), with a shorter commute (22 min). Houston has higher income ($64,813) and rent ($1,361), with a longer commute (30 min). Both assume a $1,250 non-housing baseline and 0% state income tax in the calculator. The trade-off involves balancing income gains against higher housing costs and commute time in Houston versus lower costs and shorter commutes in Montgomery, with no universal winner declared.

Corridor Direction & Trade-off Delta

Moving from Montgomery to Houston

⇄ Switch to HoustonMontgomery
Median Rent Impact
+$272/mo

Moving to Houston costs ~$3,264 more/yr in rent.

State Tax Treatment
0.0% difference

Neither state imposes an individual state income tax.

Daily Commute Difference
+8 min / day

Difference of ~67 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 VERDICTMONHOU
56/ 100

A close, nuanced move

Your modeled annual room improves.
Estimated annual life delta+$9,120after essentials; unverified state tax excluded
Take-home$69,208$81,592
Core costs$28,068$31,332
Commute time63 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, Montgomery is about $3,264 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.

Montgomery household income$56,811
Houston household income$64,813
Montgomery gross rent$1,089
Houston gross rent$1,361

Housing, income, and tax reference

MetricMontgomeryHouston
2024 ACS population197,4942,328,253
Median household income$56,811$64,813
Median gross rent$1,089$1,361
Median owner-occupied home value$161,900$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 22 minutes in Montgomery 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
  • Median gross rent
  • One-way commute time
  • State income tax assumption

What each city wins

Montgomery

Median rent is below the model’s non-housing baseline.. Watch lower rent may reflect trade-offs in housing quality, age, or location within the city..

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 affordability relative to income?

Montgomery shows a lower rent-to-income ratio at 23.0% compared to Houston’s 25.2%, indicating relatively more affordable housing costs despite lower absolute income.

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

Houston’s 30-minute commute is 8 minutes longer than Montgomery’s 22-minute average, adding significant time cost that may offset some of its income advantage depending on individual valuation of time.

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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