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Houston vs. Washington

Houston, TX  ·  Washington, DC

TL;DR

Houston cost-of-living index is 101 vs 154 for Washington (US = 100). Median home: $320,000 vs $575,000. Median rent: $1,262/mo vs $2,195/mo.

Source: Zillow ZHVI/ZORI · Census ACS, 2026-06-02

Houston is 52% cheaper than Washington overall.

Written by Jere Salmisto, Founder & Quantitative Systems Builder, CalcFi·Reviewed by CalcFi Editorial·Last reviewed 2026-06-02

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Home Price

TX: $320,000

DC: $575,000

Monthly Rent

TX: $1,262/mo

DC: $2,195/mo

COL Index

TX: 101

DC: 154

Median Income

TX: $67,800

DC: $98,700

Side-by-Side Comparison

Metric
Houston
Washington
Lower / Higher

Median Home Price

$320,000
$575,000
↓Houston

Monthly Rent (Median)

$1,262/mo
$2,195/mo
↓Houston

Median Household Income

$67,800
$98,700
↓Washington

Property Tax Rate

1.9%
0.57%
↓Washington

Cost of Living Index

100 = national average

101
154
↓Houston

Avg. Commute

29 min
34 min
↓Houston

Unemployment Rate

4.2%
4%
↓Washington

Median Age

34.5 yrs
34.7 yrs
Comparable

What This Means For You

Headline insight

Buying Power

A $100,000 salary in Houston has the same purchasing power as $152,475 in Washington— based on each city's cost of living index.

Housing

Homes in Washington are 80% cheaper (-$255,000 less). That's a meaningful down-payment and monthly-payment difference.

Renting

Renting in Houston saves $933/month — $11,196 per year. Median rent: $1,262/mo in Houston vs $2,195/mo in Washington.

Property Taxes

On a median-priced home, Houston owners pay roughly $6,080/year vs $3,278/year in Washington. That's a $2,803 annual difference.

Local Earnings

Median household income is $67,800 in Houston and $98,700 in Washington. Houston residents earn 46% more — but factor in cost of living.

Daily Commute

Average commute is 29 minutes in Houston vs 34 minutes in Washington. Over a year, that's 2500 extra minutes (42 hours) of commuting in Washington.

Salary Equivalence

To maintain the same lifestyle when moving from Houston to Washington, here's the salary you'd need:

Salary in HoustonEquivalent in WashingtonDifference
$50,000$76,238+$26,238
$75,000$114,356+$39,356
$100,000$152,475+$52,475
$150,000$228,713+$78,713
$200,000$304,950+$104,950

* Calculated using cost of living indices (national average = 100). Does not account for state income tax differences.

Run the Numbers

Mortgage Calculator

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Rent vs Buy

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Cost of Living

Full cost of living comparison tool

Home Appreciation

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Affordability Calculator

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Property Tax Calculator

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Houston Calculators

→ Mortgage calculator for Houston→ Rent vs buy in Houston

Washington Calculators

→ Mortgage calculator for Washington→ Rent vs buy in Washington

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Houston vs Washington: Common Questions

Is Houston or Washington cheaper to live in?

Based on cost of living indices, Houston is cheaper overall. Houston has a COL index of 101 while Washington scores 154 (national average = 100).

How do home prices compare between Houston and Washington?

The median home price in Houston is $320,000 vs $575,000 in Washington — a difference of $255,000 (80%).

What salary do I need in Washington to match my Houston income?

Use the salary equivalence table above. For example, a $100K salary in Houston is equivalent to $152,475 in Washington in terms of purchasing power.

Which city has lower property taxes?

Washington has a lower property tax rate (0.57% vs 1.9%). On a median-priced home, that means paying $3,278/year vs $6,080/year.

How does rent compare in Houston vs Washington?

Median monthly rent: $1,262 in Houston vs $2,195 in Washington. Annualized: $15,144 vs $26,340.

What is the median household income in each city?

Houston: $67,800/yr. Washington: $98,700/yr (Census ACS).

Which city is better for remote workers?

Lower-cost Houston typically lets remote-workers keeping a coastal salary stretch further. Higher-cost cities usually win on amenities and labor-market depth.

Where does the data on this comparison come from?

Numbers are pulled from Zillow ZHVI/ZORI (home values, rent), the U.S. Census Bureau ACS (income), and BEA RPP (cost-of-living index). Each value is timestamped on the page.

How often is this comparison updated?

Source feeds refresh on their native cadence — hourly for mortgage rates, monthly for ZHVI/ZORI, annually for ACS. Page caches revalidate every 24 hours via Next.js ISR.

Does this comparison replace tax or financial advice?

No. This page is educational reference using public data and standard formulas. It is not personalized tax, legal, or investment advice. Consult a licensed professional for material decisions.

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Sources & Citations

  1. Zillow Research — Zillow Home Value Index (ZHVI) and Observed Rent Index (ZORI) — zillow.com/research/data
  2. U.S. Census Bureau — American Community Survey (ACS) 5-year estimates for median household income, median age, commute time — census.gov/acs
  3. Bureau of Economic Analysis — Regional Price Parities (RPP) by state and metro — bea.gov/rpp
  4. Tax Foundation — effective property tax rates and state tax rates — taxfoundation.org
  5. U.S. Bureau of Labor Statistics — unemployment rates and regional CPI — bls.gov
  6. Council for Community and Economic Research (C2ER) — Cost of Living Index — coli.org
Methodology & Assumptions

City-level metrics (median home price, median rent, median household income, property tax rate, COL index, commute, unemployment, median age) are sourced from Zillow ZHVI/ZORI[1], Census ACS 5-year estimates[2], BEA Regional Price Parities[3], Tax Foundation[4], and BLS Local Area Unemployment Statistics[5].

The Cost of Living Index uses 100 = national average (C2ER methodology[6]): values above 100 indicate a city is more expensive than the national average, below 100 less expensive.

Salary equivalence uses the ratio adjustedSalary = salary × (colDestination / colOrigin). This accounts for cost-of-living differences but does not model state income tax variation, which can be significant.

Annual property tax is computed as medianHomePrice × propertyTaxRate. Actual assessed value may differ from sale price. Effective rates vary within a metro; these are metro-wide medians.

Commute-hours calculations assume 250 working days/year and a round-trip commute. "Tied" in the comparison table means values within ±1% of each other.

Last reviewed reflects the maximum retrievedAt timestamp across every sourced dataset feeding this page. When any source refreshes, the next ISR revalidation (every 24 hours) picks the new date.

Cost of living data sourced from [6] C2ER, [2] U.S. Census Bureau, and [1] Zillow Research. Tax rates from [4] Tax Foundation. Last reviewed 2026-06-02.