Houston, TX vs Albany, NY
Moving from Houston to Albany? Here's what changes — from your equivalent salary to housing ($308,306 → $370,533 median home) and taxes.
Houston vs Albany 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 Houston, TX, you'd need about $98,439 in Albany, NY (−$1,561).
Livability — Houston, TX: 75 · Albany, NY: 58 (0–100).
What your home budget buys
A $500,000 home budget gets you about 3,406 sqft in Houston vs 2,159 sqft in Albany ($147 vs $232 per sqft).
Annual cost breakdown (at $100,000)
| Category | Houston, TX | Albany, NY | Difference |
|---|---|---|---|
| Housing | $19,668 | $20,172 | +$504 |
| Groceries | $5,085 | $4,868 | −$216 |
| Transportation | $3,675 | $3,895 | +$220 |
| Utilities | $1,836 | $3,180 | +$1,344 |
| Insurance | $3,600 | $1,600 | −$2,000 |
| Taxes | $7,399 | $18,849 | +$11,450 |
| Total | $41,263 | $52,564 | +$11,302 |
Side by side
| Metric | Houston, TX | Albany, NY |
|---|---|---|
| Cost-of-living index | 99.7 | 98.2 |
| Unemployment rate | 5.96% | 4.97% |
| Population growth (5-yr) | 7.6% | 2.3% |
| Air quality (median AQI) | 63 | 37 |
| Big Mac price (est.) | $5.67 | $5.59 |
| Median home price | $308,306 | $370,533 |
| Home price ÷ income | 3.9× | 4.4× |
| 1-yr home appreciation | -2.0% | 5.5% |
| Price per square foot | $147 | $232 |
| Median rent | $1,639 | $1,681 |
| Total tax burden (% income) | 8.6% | 15.9% |
| Combined sales tax | 8.20% | 8.52% |
| Capital gains tax | None | 10.90% |
| Property tax rate | 1.79% | 1.95% |
| Healthcare (annual) | $6,800 | $7,800 |
| Childcare (annual, infant) | $9,500 | $17,000 |
| Vehicle property tax | None | None |
| Avg commute (min) | 30 | 23 |
| Home insurance / yr | $3,600 | $1,600 |
| Auto insurance / yr | $2,100 | $2,100 |
| Flood insurance / yr | $900 | $800 |
| Earthquake insurance / yr | $100 | $100 |
| Electricity ¢/kWh | 17.0 | 29.4 |
| Gas $/gal | 3.00 | 3.45 |
| Violent crime /100k | 430 | 350 |
| Avg summer high °F | 96 | 83 |
| Avg winter low °F | 38 | 16 |
| Permit difficulty (1–5) | 2 | 5 |