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Source-led head-to-head · 2024 ACS

Moving from St. Paul to Houston

Based on 2024 ACS 5-year data, St. Paul has a higher median household income ($73,394 vs $64,813) and higher median home value ($294,500 vs $277,800) than Houston, but lower median gross rent ($1,281 vs $1,361). St. Paul also has a shorter estimated one-way commute (23 vs 30 minutes). Houston reports a 0.00% simplified state individual income-tax reference in the calculator, while St. Paul’s state tax is excluded per profile boundaries. These trade-offs reflect differing cost-of-living, earnings, and time allocation patterns.

Corridor Direction & Trade-off Delta

Moving from St. Paul to Houston

⇄ Switch to HoustonSt. Paul
Median Rent Impact
+$80/mo

Moving to Houston costs ~$960 more/yr in rent.

State Tax Treatment
0.0% difference

Neither state imposes an individual state income tax.

Daily Commute Difference
+7 min / day

Difference of ~58 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 VERDICTSTPHOU
57/ 100

A close, nuanced move

Your modeled annual room improves.
Estimated annual life delta+$11,424after essentials; unverified state tax excluded
Take-home$69,208$81,592
Core costs$30,372$31,332
Commute time55 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. Paul is about $960 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. Paul household income$73,394
Houston household income$64,813
St. Paul gross rent$1,281
Houston gross rent$1,361

Housing, income, and tax reference

MetricSt. PaulHouston
2024 ACS population307,2842,328,253
Median household income$73,394$64,813
Median gross rent$1,281$1,361
Median owner-occupied home value$294,500$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 23 minutes in St. Paul 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 St. Paul supports greater housing affordability despite higher home values
  • Lower median gross rent in St. Paul reduces monthly housing cost burden relative to Houston
  • Shorter commute in St. Paul indicates better local job access or transit efficiency
  • Tax treatment differs: Houston uses 0.00% state tax reference; St. Paul’s state tax is excluded per source

What each city wins

St. Paul

Mixed affordability. Watch rent vs income balance.

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 has higher median household income according to the 2024 ACS?

St. Paul, Minnesota has a higher median household income at $73,394 compared to Houston, Texas at $64,813, based on the 2024 ACS 5-year estimates from Table B19013.

How do median gross rents compare between the two cities?

St. Paul’s median gross rent is $1,281 per month, which is $80 less than Houston’s $1,361 per month, according to the 2024 ACS 5-year data from Table B25064.

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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