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Cost of Living Comparison 2026

Compare Houston, TX and Kansas City, MO using saved regional data and explicit budgeting assumptions. Rent estimates are not live listings. Change the salary below, then check the source notes before applying a result to your household.

Data: HUD rent estimates, BLS cost of living

$
Numbers update automatically as you type

You'd save $505/month moving to Kansas City, MO

$150.0K in your current city equals $143.9K in Kansas City, MO

Rent data from HUD ZIP-level estimates · COL index from Houston-The Woodlands-Sugar Land, TX area
Overall Cost
↓ 6.7%
Less expensive
Monthly Impact
$505
Savings
Annual Impact
$6.1K
Per year

Based on monthly living costs (rent, groceries, utilities, transport, healthcare). Home purchase prices shown separately below.

Houston, TX

Population:2305K
Cost Index:
100
100 = national average
Median Home:$245K

Kansas City, MO

Population:508K
Cost Index:
93
(7% below avg)
Median Home:$257K

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Houston, TX

The Lone Star State

2.3M
Population
State Tax
No Income Tax
Climate
Humid subtropical

Notable Facts

  • •Energy capital of the world
  • •NASA Mission Control
  • •Diverse port city

Major Industries

EnergyAerospaceHealthcareInternational Trade

Kansas City, MO

The Show-Me State

508K
Population
State Tax
Yes

Located in Missouri, this city has a population of 508K residents.

Cost Breakdown by Category

Annual spending: Houston, TX vs Kansas City, MO

Transportation
↓ 16.1%
Houston, TX
$1,449
Kansas City, MO
$1,216
Difference
$234
less
Other
↓ 9.1%
Houston, TX
$1,768
Kansas City, MO
$1,607
Difference
$161
less
Housing
↓ 3.9%
Houston, TX
$2,191
Kansas City, MO
$2,105
Difference
$85.76
less
Healthcare
↑ 8.0%
Houston, TX
$562
Kansas City, MO
$607
Difference
$45.23
more
Groceries
↑ 4.2%
Houston, TX
$911
Kansas City, MO
$949
Difference
$37.97
more
All Utilities
↓ 3.1%
Houston, TX
$552
Kansas City, MO
$535
Difference
$16.94
less

🏛️ Local Income Taxes

Kansas City, MO: Kansas City Earnings Tax$1,500/yr (1.0%)

Houston, TX has no local income tax.

Local taxes are in addition to state income tax. Not all cities levy local income taxes.

🏠Rent Comparison

Studio
From$1,220
To$1,180
↓ $40.00
1 Bed
From$1,260
To$1,280
↑ $20.00
2 Bed
From$1,500
To$1,460
↓ $40.00
3 Bed
From$2,020
To$1,900
↓ $120
Houston, TXZIP-level data

1BR range: $880–$1,980/mo

Kansas City, MOZIP-level data

1BR range: $900–$1,800/mo

💡 Note: Rent prices are based on HUD Fair Market Rent data and represent median costs. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$7,434
Monthly in Houston, TX
$7,020
Monthly in Kansas City, MO
$414
Difference

Home Values

Houston
Kansas City
$245K
Median Value
$257K
↓ -3.1%
YoY Change
↑ +0.6%
↑ +23.4%
5-Year Change
↑ +32.2%
$138K - $1.64M
Price Range
$80K - $587K

Homes in Kansas City are 5% more expensive than Houston

Source: Zillow Home Value Index (ZHVI), January 2026

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↓ $7.9K
More taxes
Monthly Difference
$661
Less take-home
Effective Rate Diff
5.3%
Rate difference

Houston, TX

Federal Income Tax
Effective: 18.9%
$25.5K
Texas State Tax
No state income tax
$0
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 24.7%
$37.0K
Take-Home Pay
$9,416/month
$113.0K

Kansas City, MO

Federal Income Tax
Effective: 18.9%
$25.5K
Missouri State Tax
Effective: 5.3%
$7.9K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 30.0%
$44.9K
Take-Home Pay
$8,755/month
$105.1K

Additional Tax Information

Houston, TX Tax Rates

Sales Tax:8.2%
Property Tax:1.8%

Kansas City, MO Tax Rates

Sales Tax:8.2%
Property Tax:1.0%

💡 Note: Tax calculations are estimates based on 2024/2025 tax brackets for single filers with standard deduction. Actual taxes may vary based on filing status, deductions, credits, and local variations.

🚶 Walkability

Modeled road attributes, not a safety assessment. Methodology and limitations

Environment

Houston
Kansas City
61 Moderate
Air Quality
46 Good
13.7%
Good Air Days
59.3%
100 Very High
Climate Risk
97 High
🌊🌅🌀
Top Hazards
🌊🌡🌪
▲+2.2°F
2050 Outlook
▲+3.3°F
64 days
Heat Days >95°F
44 days
▲+2.2°F
2050 Outlook
▲+3.3°F
64 days
Heat Days >95°F
44 days

What to Consider When Moving from Houston, TX to Kansas City, MO

Relocating from Houston, TX to Kansas City, MO involves more than just comparing rent prices. While the overall cost of living is about 7% lower in Kansas City, MO, your actual experience will depend on your lifestyle, job situation, and priorities. Here are the key factors to weigh before making the move.

Housing & Rent

Housing is typically the largest line item in any budget, and it’s where the biggest differences show up between cities. In this comparison, housing in Kansas City, MO is 4% cheaper than in Houston, TX. Keep in mind that neighborhood choice within a city can swing rent by 30–50%, so research specific areas — not just city averages — before signing a lease. If you’re buying, factor in property tax rates, which vary significantly by county and state.

Job Market & Salary Adjustments

A lower cost of living doesn’t help if your salary drops proportionally. Before committing to a move, research whether employers in Kansas City, MO pay comparable wages for your role. Remote workers may keep their current salary, but some companies adjust pay based on location. Use the salary calculator above to see what you’d need to earn in Kansas City, MO to match your current standard of living in Houston, TX.

Taxes & Take-Home Pay

State income tax, property tax, and sales tax all affect how far your paycheck stretches. Some states have no income tax but make up for it with higher property or sales taxes. The tax comparison section above breaks down how your take-home pay would change. Don’t forget about vehicle registration fees, tolls, and other state-specific costs that add up over a year.

Quality of Life & Lifestyle Fit

Numbers only tell part of the story. Consider climate preferences, commute times, proximity to family, school quality if you have children, healthcare access, and the general “feel” of a city. A place that’s 15% cheaper might not be worth it if it means a longer commute or fewer amenities you value. If possible, visit Kansas City, MO for a week before making a final decision — experiencing the day-to-day rhythm matters more than any spreadsheet.

Frequently Asked Questions: Houston, TX vs Kansas City, MO

How do the cost estimates for Houston, TX and Kansas City, MO compare?

The saved overall index for Kansas City, MO is 6.7% lower than for Houston, TX. This is a broad model comparison, not a survey of today's prices or a forecast of your household spending. Some cities use adjusted regional fallback data.

What does the equivalent salary mean?

At a $150,000 salary in Houston, TX, the model estimates $143,938 in Kansas City, MO. It assumes 60% of gross income changes with the relative cost index and 40% stays fixed. The monthly difference is the salary difference divided by 12; it is not take-home pay or guaranteed savings. Household size, childcare and your actual lease are not inputs to this calculation.

What rent estimates are available for Houston, TX and Kansas City, MO?

The modeled two-bedroom rents are $1,500/month in Houston, TX and $1,460/month in Kansas City, MO. Where available, the source is a city median of HUD FY2026 ZIP-level estimates; otherwise a saved metro table is used. City adjustments may also apply. These are not asking rents or available listings. Compare actual properties with the same bedroom count and included utilities.

How should I use this comparison before moving?

Use it to shortlist locations, then replace modeled costs with a current housing quote, employer-confirmed income, commute costs, insurance and your household's other expenses. Add one-time moving costs separately. Source years differ and the saved datasets are not a live price feed. Read the methodology for the formulas and fallback rules.

💰 See how taxes change too — compare take-home pay between Texas and Missouri on TaxTakeHome.com

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