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Source-led head-to-head · 2024 ACS

Moving from St. Louis to Houston

Based on 2024 ACS 5-year data, St. Louis has a lower median household income ($56,160) and lower housing costs (median gross rent $997, median home value $197,500) compared to Houston ($64,813 income, $1,361 rent, $277,800 home value). St. Louis also has a shorter estimated one-way commute (24 minutes vs. 30 minutes). Houston reports a 0.00% simplified state individual income tax in the calculator, while St. Louis’s state tax is excluded per profile boundaries. The trade-off involves Houston’s higher income and tax offset against higher housing costs and longer commute, versus St. Louis’s lower income but more affordable housing and shorter commute.

Corridor Direction & Trade-off Delta

Moving from St. Louis to Houston

⇄ Switch to HoustonSt. Louis
Median Rent Impact
+$364/mo

Moving to Houston costs ~$4,368 more/yr in rent.

State Tax Treatment
0.0% difference

Neither state imposes an individual state income tax.

Daily Commute Difference
+6 min / day

Difference of ~50 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 VERDICTSTLHOU
55/ 100

A close, nuanced move

Your modeled annual room improves.
Estimated annual life delta+$8,016after essentials; unverified state tax excluded
Take-home$69,208$81,592
Core costs$26,964$31,332
Commute time47 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, St. Louis is about $4,368 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.

St. Louis household income$56,160
Houston household income$64,813
St. Louis gross rent$997
Houston gross rent$1,361

Housing, income, and tax reference

MetricSt. LouisHouston
2024 ACS population288,5122,328,253
Median household income$56,160$64,813
Median gross rent$997$1,361
Median owner-occupied home value$197,500$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 24 minutes in St. Louis 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
  • Median owner-occupied home value
  • Estimated one-way commute time

What each city wins

St. Louis

Affordable options available. Watch rent vs owner-occupied 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

How do housing costs compare between the two cities?

St. Louis has a median gross rent of $997 and median home value of $197,500, while Houston’s are $1,361 and $277,800 respectively, making housing significantly more affordable in St. Louis based on 2024 ACS data.

What is the difference in commute times between the cities?

St. Louis has a derived one-way commute estimate of 24 minutes, compared to Houston’s 30 minutes, based on weighted midpoints from the 2024 ACS table B08303.

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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