Chicago, IL vs Houston, TX
Simple answer
You'd likely save $514 a month in Houston.
This is the HUD 2-bedroom fair-market rent for October 2026 through September 2027. It is not your lease.
The largest cost gap in this pair is Fair Market Rent. The 2-bedroom Fair Market Rent gap is $514: Chicago is higher at $2,011 versus $1,497.
Illinois taxes wages at a flat 4.95%. Texas has no tax on wages. Combined sales tax differs by 0.8 percentage points, higher in Illinois. The effective property tax gap is 0.61 percentage points, higher in Illinois.
After a move from Illinois to Texas, these benefit results change for a family of four at $40,000 and a single adult at $18,000: Marketplace premium tax credits, Medicaid and CHIP.
A $75,000 salary in Chicago lines up with about $71,405 in Houston on the 2024 all-items price parity. Census median gross rent and the commute figures are 2024. Fair Market Rents are fiscal year 2027.
Chicago
Chicago-Naperville-Elgin, IL-IN
- 2-bedroom Fair Market Rent
- $2,011
- HUD area
- Chicago-Joliet-Naperville, IL HUD Metro FMR Area
- Census median gross rent
- $1,469
- All-items price parity
- 103.6
- Goods price parity
- 107.3
- Utilities price parity
- 83.6
- Mean commute
- 30.9 min
- Median household income
- $90,770
Houston
Houston-Pasadena-The Woodlands, TX
- 2-bedroom Fair Market Rent
- $1,497
- HUD area
- Houston-The Woodlands-Sugar Land, TX HUD Metro FMR Area
- Census median gross rent
- $1,469
- All-items price parity
- 98.6
- Goods price parity
- 100.6
- Utilities price parity
- 95.3
- Mean commute
- 31.1 min
- Median household income
- $81,417
Equivalent salary
The first number keeps the same place in the national price level. The second also runs 2026 federal income tax, employee Social Security and Medicare, and a simplified state income tax. Groceries use the BEA goods price parity, not a grocery receipt.
$71,405
Salary in Houston that matches the 2024 all-items regional price parity.
$66,040
Gross salary in Houston whose after-tax pay buys the same basket, using price parities.
$55,830
Scales the salary by the ratio of HUD 2-bedroom Fair Market Rents. Rent is not the whole budget.
Taxes on the two sides of the move
| Tax | Illinois | Texas |
|---|---|---|
| State income tax on wages | 4.95% flat | No wage tax |
| Combined sales tax, Jan 1, 2026 | 9.0% | 8.2% |
| Effective property tax, ACS 2024 median / median | 1.92% | 1.31% |
On a $400,000 home, the state median effective rate implies about $7,694 a year in Illinois and $5,246 in Texas. That illustration is not a local bill. Childcare prices are not in the verified dataset for these metros.
Benefits if you land in Texas
Same household, $40,000 a year, scored once in Illinois and once in Texas. This is an illustration, not your application.
Food stamps (SNAP)
ChicagoLikely eligible
HoustonLikely eligible
Medicaid and CHIP
ChicagoLikely eligible
HoustonLikely eligible
WIC
ChicagoLikely eligible
HoustonLikely eligible
School meals
ChicagoLikely eligible
HoustonLikely eligible
LIHEAP
ChicagoMaybe
HoustonMaybe
Earned Income Tax Credit
ChicagoLikely eligible
HoustonLikely eligible
Child Tax Credit
ChicagoLikely eligible
HoustonLikely eligible
Marketplace premium tax credits
ChicagoUnlikely
HoustonLikely eligible
Lifeline phone and internet
ChicagoLikely eligible
HoustonLikely eligible
SSI
ChicagoUnlikely
HoustonUnlikely
| Program | Chicago | Houston |
|---|---|---|
| Food stamps (SNAP) | Likely eligible | Likely eligible |
| Medicaid and CHIP | Likely eligible | Likely eligible |
| WIC | Likely eligible | Likely eligible |
| School meals | Likely eligible | Likely eligible |
| LIHEAP | Maybe | Maybe |
| Earned Income Tax Credit | Likely eligible | Likely eligible |
| Child Tax Credit | Likely eligible | Likely eligible |
| Marketplace premium tax credits | Unlikely | Likely eligible |
| Lifeline phone and internet | Likely eligible | Likely eligible |
| SSI | Unlikely | Unlikely |
Marketplace premium tax credits changes. In Chicago the result is “Unlikely — Medicaid is the closer program.” In Houston it is “Likely inside the 2026 subsidy range.” Illinois expanded Medicaid, and this income is in the Medicaid range. Marketplace subsidies are usually not the program in that case.
Related comparisons
From Chicago
The eight largest 2-bedroom Fair Market Rent gaps from Chicago.
- Chicago and San Francisco · rent gap $1,686
- Chicago and San Jose · rent gap $1,261
- Chicago and Boston · rent gap $997
- Chicago and McAllen · rent gap $994
- Chicago and Wichita · rent gap $968
- Chicago and New York · rent gap $960
- Chicago and Los Angeles · rent gap $953
- Chicago and Little Rock · rent gap $890
Nearby metros
How the salary and tax math works · The reverse city order redirects to this address.