New York to Texas: Cost of Living Comparison
Moving from New York to Texas, the cost of living is about 10.0% cheaper. To keep the same standard of living you have on $100,000 in New York, you'd need roughly $89,991 in Texas — a cut of about $10,009.
| New York | Texas | |
|---|---|---|
| Price level (US avg = 100) | 107.9 | 97.1 |
| Salary to match $100,000 | $100,000 | $89,991 |
| Purchasing power of $100,000 | $100,000 | $111,123 |
Based on BEA 2024 Regional Price Parities (all-items). Texas is at 97.1 vs New York at 107.9 on the national-average scale of 100.
Want to try your own salary or a different pair of states? Use the interactive cost-of-living calculator →
How the New York → Texas comparison works
Cost of living differs from place to place because the same basket of goods, services and — above all — housing costs different amounts. The U.S. Bureau of Economic Analysis measures this with Regional Price Parities (RPP): an index where the national average is 100. New York sits at 107.9 and Texas at 97.1, which means everyday spending in Texas costs about 10.0% less than in New York.
To keep the same standard of living you enjoy on $100,000 in New York, you would need about $89,991 in Texas. Looked at the other way, if you moved with the same $100,000 paycheck, its real purchasing power once you're paying Texas prices would feel like $111,123.
Remember this is a statewide, all-items average. Your actual experience depends heavily on where exactly you live, whether you rent or own, and your lifestyle — and it doesn't account for the difference in income tax between the two states, which you can model separately in the take-home-pay tools below.
Equivalent salary at other income levels
| Your salary in New York | Equivalent in Texas | Difference |
|---|---|---|
| $50,000 | $44,995 | −$5,005 |
| $75,000 | $67,493 | −$7,507 |
| $100,000 | $89,991 | −$10,009 |
| $150,000 | $134,986 | −$15,014 |
| $200,000 | $179,981 | −$20,019 |
See your take-home pay in each state
Cost of living is only half the picture — income tax changes what you actually keep. Compare paychecks:
Move from New York to another state
⚠️ Cost-of-living estimate based on BEA 2024 Regional Price Parities (all-items, statewide average). Real costs vary by city, housing and lifestyle, and this does not include the difference in state income tax. For general guidance only — not financial advice.