Compare / Cincinnati to McAllen
Cincinnati, OH vs McAllen, TX
Simple answer
You'd likely save $425 a month in McAllen.
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 housing prices. The BEA housing price parity differs by 31.7 points (Cincinnati 87.6, McAllen 55.9).
Ohio taxes wages at a flat 2.75%. Texas has no tax on wages. Combined sales tax differs by 0.9 percentage points, higher in Texas. The effective property tax gap is 0.09 percentage points, higher in Texas.
After a move from Ohio 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 Cincinnati lines up with about $67,549 in McAllen on the 2024 all-items price parity. Census median gross rent and the commute figures are 2024. Fair Market Rents are fiscal year 2027.
Cincinnati
Cincinnati, OH-KY-IN
- 2-bedroom Fair Market Rent
- $1,442
- HUD area
- Cincinnati, OH-KY-IN HUD Metro FMR Area
- Census median gross rent
- $1,203
- All-items price parity
- 95.4
- Goods price parity
- 93.8
- Utilities price parity
- 91.0
- Mean commute
- 25.1 min
- Median household income
- $81,489
McAllen
McAllen-Edinburg-Mission, TX
- 2-bedroom Fair Market Rent
- $1,017
- HUD area
- McAllen-Edinburg-Mission, TX MSA
- Census median gross rent
- $971
- All-items price parity
- 85.9
- Goods price parity
- 93.8
- Utilities price parity
- 81.2
- Mean commute
- 22.9 min
- Median household income
- $56,720
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.
$67,549
Salary in McAllen that matches the 2024 all-items regional price parity.
$63,883
Gross salary in McAllen whose after-tax pay buys the same basket, using price parities.
$52,895
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 | Ohio | Texas |
|---|---|---|
| State income tax on wages | 2.75% flat | No wage tax |
| Combined sales tax, Jan 1, 2026 | 7.3% | 8.2% |
| Effective property tax, ACS 2024 median / median | 1.22% | 1.31% |
On a $400,000 home, the state median effective rate implies about $4,899 a year in Ohio 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 Ohio and once in Texas. This is an illustration, not your application.
Food stamps (SNAP)
CincinnatiLikely eligible
McAllenLikely eligible
Medicaid and CHIP
CincinnatiLikely eligible
McAllenLikely eligible
WIC
CincinnatiLikely eligible
McAllenLikely eligible
School meals
CincinnatiLikely eligible
McAllenLikely eligible
LIHEAP
CincinnatiMaybe
McAllenMaybe
Earned Income Tax Credit
CincinnatiLikely eligible
McAllenLikely eligible
Child Tax Credit
CincinnatiLikely eligible
McAllenLikely eligible
Marketplace premium tax credits
CincinnatiUnlikely
McAllenLikely eligible
Lifeline phone and internet
CincinnatiLikely eligible
McAllenLikely eligible
SSI
CincinnatiUnlikely
McAllenUnlikely
| Program | Cincinnati | McAllen |
|---|---|---|
| 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 Cincinnati the result is “Unlikely — Medicaid is the closer program.” In McAllen it is “Likely inside the 2026 subsidy range.” Ohio expanded Medicaid, and this income is in the Medicaid range. Marketplace subsidies are usually not the program in that case.
Related comparisons
From Cincinnati
The eight largest 2-bedroom Fair Market Rent gaps from Cincinnati.
- Cincinnati and San Francisco · rent gap $2,255
- Cincinnati and San Jose · rent gap $1,830
- Cincinnati and Boston · rent gap $1,566
- Cincinnati and New York · rent gap $1,529
- Cincinnati and Los Angeles · rent gap $1,522
- Cincinnati and San Diego · rent gap $1,381
- Cincinnati and Miami · rent gap $1,122
- Cincinnati and Seattle · rent gap $1,107
Nearby metros
How the salary and tax math works · The reverse city order redirects to this address.