Relocation by Numbers

Moving to Texas

Compare Take-Home Pay, Taxes & Cost of Living Before You Relocate

Texas has no state income tax, which means more of your paycheck stays in your pocket compared to high-tax states. Use the calculator below to compare your current take-home pay against what you would keep after moving to Texas.

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Income & Location
Income impact
+$924Higher
Rent Inputs
Estimated Living Costs
Groceries: $556
Utilities: $238
Transportation: $260
Healthcare: $190
Estimated costs adjust automatically based on the selected city.
Results
Assumptions updated: March 2026 · Planning estimates only
Current city: New York City
Target city: Raleigh
Net monthly (current): $7,677
Net monthly (target): $8,600
Gross monthly: $12,500.00
Est. taxes (current): $4,823.21 (38.6%)
Est. taxes (target): $3,899.54 (31.2%)
Includes supported local city income tax where applicable.
Monthly housing (rent)
Total (rent + renter’s ins + parking): $2,370.00
Housing % of net (target): 27.6%
Results are estimates only. No information entered is stored or shared.
Tax estimates include federal income tax, FICA, state income tax, and supported local city income taxes where applicable.
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Monthly Flexibility
$6,230.46
After housing
This is what you have left each month in Raleigh after housing costs.
Higher flexibility gives you more room for saving, investing, and unexpected expenses.
COMPARABLE SALARY
$128,800

Raleigh is roughly 14% less expensive than New York City.

Based on housing, transportation, and essential cost weighting.
Comfort Score™
🟡 · Manageable
Target housing
Doable, but watch recurring costs and lifestyle creep.
Based on how much of your target net monthly income goes toward housing.
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What to know before moving to Texas

State income tax is one of the biggest financial differences between states. Texas is one of nine states with no state income tax, which can meaningfully increase your take-home pay compared to states like California, New York, or Oregon.

Beyond taxes, housing costs vary significantly by city within Texas. The calculator above applies city-level cost defaults where available so you can compare your current budget against a realistic estimate for your destination.

These estimates are for planning purposes. Real costs vary by neighborhood, employer, and personal circumstances. Always verify tax and housing figures with current local data before making a decision.

Frequently asked questions about moving to Texas

Is Texas a good state to move to for affordability?
It depends on your income, where you are moving from, and which city you are targeting. Texas's lack of state income tax is a significant financial advantage for most earners. Use the calculator above to compare your current city against a destination in Texas side by side.
Does Texas really have no state income tax?
Yes. Texas is one of nine US states that currently levy no personal state income tax. You still pay federal income tax and FICA, but there is no additional state tax on earned wages.
How do I compare my current salary to what I would need in Texas?
Enter your current state and income on the left side of the calculator, then select Texas on the right. The calculator will estimate your take-home pay in both locations and show the monthly budget difference after housing and living costs.