New York vs Texas: cost of living
On a $75,000 salary, a single filer keeps about $474 more a month in Texas than in New York after 2026 taxes, rent, electricity, gas, car insurance, health insurance and groceries. Median rent is 10% lower in Texas.
| A month, single filer on $75,000 | New York | Texas | Difference |
|---|---|---|---|
| Take-home pay | $4,845 | $5,133 | +$288 |
| Rent (median, incl. utilities the renter pays) | $1,634 | $1,475 | −$159 |
| Electricity (average home bill) | $164 | $174 | +$11 |
| Gas for 1,000 miles a month | $161 | $137 | −$24 |
| Car insurance, full coverage | $218 | $204 | −$14 |
| Health insurance, your share of a job plan (U.S. average) | $139 | $139 | +$0 |
| Groceries (U.S. average household) | $519 | $519 | +$0 |
| Left over after these | $2,010 | $2,484 | +$474 |
Sources: take-home pay from 2026 IRS brackets, SSA wage base and Tax Foundation state rates; rent from Census ACS; electricity from EIA; gas from AAA (1,000 miles at 27.2 mpg); car insurance from Insurify; groceries are the U.S. average household from BLS (2024) in both states. Each figure has its own date, shown on the linked page. Our calculation, a rough guide, not an exact budget.
Compare two states
Same salary in both states, single filer, 2026 taxes. Each cost is that state's average from its own source and date; groceries use the U.S. average in both. Electricity can be partly counted in gross rent. "I own a home" swaps rent for home insurance and property tax but leaves out the mortgage payment. Our calculation, a rough guide.
Common questions
Is it cheaper to live in New York or Texas?
Texas, by the basics we track. On $75,000 a year, Texas leaves about $474 more a month ($5,691 a year) after 2026 taxes, median rent, electricity, gas, car insurance, health insurance and groceries (our calculation).
What salary in Texas equals $75,000 in New York?
About $66,900 a year. At that salary a single filer in Texas keeps the same $2,010 a month after taxes and the same basics as $75,000 in New York (our calculation).
How do taxes compare between New York and Texas?
New York has income tax from 3.9% to 10.9% and Texas has no income tax on wages (Tax Foundation, 2026). On $75,000, take-home pay is about $4,845 a month in New York and $5,133 in Texas.
How much is rent in New York vs Texas?
The median rent is $1,634 a month in New York and $1,475 in Texas (Census ACS).
Planning the move itself? See the full monthly budget for New York or Texas, and the take-home pay calculators for New York and Texas.