Albany, NY vs Houston, TX
Moving from Albany to Houston? Here's what changes — from your equivalent salary to housing ($370,533 → $308,306 median home) and taxes.
Albany vs Houston at a glance
Bars scaled to the range across all 200 metros; labels show actual values.
To keep the same standard of living as $100,000 in Albany, NY, you'd need about $92,485 in Houston, TX (−$7,515).
Livability — Albany, NY: 58 · Houston, TX: 75 (0–100).
What your home budget buys
A $500,000 home budget gets you about 2,159 sqft in Albany vs 3,406 sqft in Houston ($232 vs $147 per sqft).
Annual cost breakdown (at $100,000)
| Category | Albany, NY | Houston, TX | Difference |
|---|---|---|---|
| Housing | $20,172 | $19,668 | −$504 |
| Groceries | $4,868 | $5,085 | +$216 |
| Transportation | $3,895 | $3,675 | −$220 |
| Utilities | $6,312 | $5,064 | −$1,248 |
| Insurance | $180 | $180 | +$0 |
| Taxes | $8,414 | $2,870 | −$5,544 |
| Total | $43,841 | $36,542 | −$7,299 |
Effective state & local tax rate on $100,000 — Albany, NY: 8.4% · Houston, TX: 2.9% (income + local + sales + property tax where applicable ÷ income)
Assumptions: 500 gal gasoline/yr · $5000 base annual grocery · 35% of income sales-taxable. Renter: housing = median rent, renter's insurance, no property tax.
Side by side
| Metric | Albany, NY | Houston, TX |
|---|---|---|
| Cost-of-living index | 98.2 | 99.7 |
| Unemployment rate | 4.97% | 5.96% |
| Population growth (5-yr) | 2.3% | 7.6% |
| Air quality (median AQI) | 37 | 63 |
| Big Mac price (est.) | $5.59 | $5.67 |
| Median home price | $370,533 | $308,306 |
| Home price ÷ income | 4.4× | 3.9× |
| 1-yr home appreciation | 5.5% | -2.0% |
| Price per square foot | $232 | $147 |
| Median rent | $1,681 | $1,639 |
| Total tax burden (state avg, Tax Foundation) | 15.9% | 8.6% |
| Combined sales tax | 8.52% | 8.20% |
| Capital gains tax | 10.90% | None |
| Property tax rate | 1.95% | 1.79% |
| Life expectancy at birth | 78.6 yrs | 77.7 yrs |
| Healthcare (annual) | $7,800 | $6,800 |
| Uninsured (share of residents) | 4.3% | 19.6% |
| Primary care providers / 100k | 76 | 61 |
| Childcare (annual, infant) | $17,000 | $9,500 |
| Vehicle property tax | None | None |
| Days per year ≥ 90°F | 7 | 84 |
| Days per year ≥ 100°F | 0 | 1 |
| Homes with air conditioning (state) | 88% | 95% |
| Avg commute (min) | 23 | 30 |
| Commute by driving alone | 71.5% | 73.6% |
| Home insurance / yr | $1,600 | $3,600 |
| Auto insurance / yr | $2,100 | $2,100 |
| FEMA risk index (0–100, higher = more risk) | 77.8 — Relatively Low | 97.6 — Relatively High |
| Flood insurance / yr | $800 | $900 |
| Earthquake insurance / yr | $100 | $100 |
| Electricity ¢/kWh | 29.4 | 17.0 |
| Gas $/gal | 3.45 | 3.00 |
| Natural gas / mo | $98 | $52 |
| Water & sewer / mo | $87 | $134 |
| Home internet / mo | $76 | $83 |
| Violent crime /100k (state avg) | 350 | 430 |
| Avg summer high °F | 83 | 96 |
| Avg winter low °F | 16 | 38 |
| Annual precipitation (in) | 40.0 | 55.6 |
| Annual snowfall (in) | 48.0 | 0.1 |
| Sunshine (% possible) | 50% | 59% |
| Permit difficulty (1–5) | 5 | 2 |
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