Massachusetts vs Texas
In $100,000 in Massachusetts
$94,518
The same income in Texas
$102,987
$100,000 has $8,469 more purchasing power in Texas.
Figures are in national-average dollars: what the income buys once each state's prices are accounted for (US = 100). Source: BEA Regional Price Parities, 2024, released February 19, 2026. How it's calculated
Salary needed in Texas
$91,777
to match $100,000 in Massachusetts, before tax.
We compare it with your current income after local prices.
Enter an offer greater than zero, or leave this field blank.
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Where the difference comes fromPrice components
Where the difference comes from
Price level by component, 100 = US average. The Difference column compares the destination price level with the origin; higher means the destination is more expensive.
| Component | Massachusetts | Texas | Difference |
|---|---|---|---|
| All items | 105.8 | 97.1 | −8.2% |
| Housing rents | 128.1 | 96.5 | −24.7% |
| Goods | 98.8 | 98.1 | −0.7% |
| Utilities | 152.1 | 87.5 | −42.5% |
| Other services | 102.9 | 97.1 | −5.6% |
BEA Regional Price Parities · SARPP · 2024 · rel. February 19, 2026 · Official data
Housing reality checkRent, homes & property tax
Housing reality check
ACS median gross rent, home value, and real estate taxes paid — statewide context beyond the index.
US Census ACS 5-Year Estimates · ACS5 · 2024 · rel. December 2025 · Official data
Tax at a glanceIncome & sales tax
Tax at a glance
Hand-curated, tax year 2026 · verified 2026-07-20
Top marginal and average combined rates do not estimate a household's total tax liability.
| Tax | Massachusetts | Texas |
|---|---|---|
| Income tax (top rate) | 9.00% | None |
| Sales tax (combined avg) | 6.25% | 8.20% |
Tax Foundation (income & sales) · Tax · 2026 · rel. tax year 2026 · Manually maintained · verified 2026-07-20
Who comes out ahead in Texas?
The answer depends on your situation. Each card compares statewide medians for one situation; the state named is the one the numbers favor.
An unchanged income buys about 9% more in Texas than in Massachusetts. On $100,000 that is $8,469 of national-average purchasing power a year.
Median gross rent is $1,762 in Massachusetts and $1,403 in Texas, $359 a month ($4,308 a year) less in Texas. Renters spend a median 30.9% and 30.9% of income on rent.
The median home is worth $562,100 in Massachusetts (5.4× median household income) and $283,800 in Texas (3.6×). Median property taxes equal 1.07% and 1.49% of the median home value.
Median household income is $103,960 in Massachusetts and $78,476 in Texas. After adjusting for prices, that is $98,261 and $80,820: local pay goes further in Massachusetts.
Unemployment is 4.4% in Massachusetts and 4.5% in Texas (July 2026). The two labor markets are about equally tight. Pay for specific jobs is compared below.
Massachusetts and Texas head to head
Statewide figures the calculator above does not show. “Edge” (bold on small screens) marks the state with the lower cost or higher income on that row; rows without a clear better direction are left blank.
| Measure | Massachusetts | Texas | Edge |
|---|---|---|---|
| Income | |||
| Median household income | $103,960 | $78,476 | Massachusetts |
| Adjusted for local prices | $98,261 | $80,820 | Massachusetts |
| Housing | |||
| Homeownership rate | 62.5% | 62.6% | |
| Rent as % of renter income | 30.9% | 30.9% | |
| Owner costs as % of income | 19.4% | 17.6% | Texas |
| Home value ÷ household income | 5.4× | 3.6× | Texas |
| Home price change, 2020–2025 · FHFA index | +49.9% | +44.2% | |
| Taxes | |||
| Top income tax rate | 9.00% (graduated) | None on wages | Texas |
| Combined sales tax (avg) | 6.25% | 8.20% | Massachusetts |
| Median property tax paid | $5,992 | $4,232 | Texas |
| Property tax ÷ home value | 1.07% | 1.49% | Massachusetts |
| Jobs | |||
| Unemployment (July 2026) | 4.4% | 4.5% | Massachusetts |
| Minimum wage | $15.00/hr | $7.25/hr | |
| Everyday costs | |||
| Median rent, 2 bedrooms | $1,876/mo | $1,395/mo | Texas |
| Average electric bill (2024) | $167/mo | $164/mo | Texas |
| Electricity price | 29.4¢/kWh | 14.9¢/kWh | Texas |
| Health care spending per person (2025) | $12,751 | $8,294 | |
| All consumer spending per person (2025) | $74,900 | $55,875 | |
| People | |||
| Population change since July 2020 | +2.4% | +8.4% | |
| Net moves from other states | −145,282 | +760,233 | |
| Median age | 40.0 | 35.6 | |
| Bachelor's degree or higher (25+) | 47.3% | 33.8% | |
| No health insurance | 2.6% | 17.1% | Massachusetts |
| Average commute | 29.1 min | 26.7 min | Texas |
| Crime (2025, per 100,000 residents) | |||
| Violent crime | 302.7 | 344.9 | Massachusetts |
| Property crime | 1,031.2 | 1,786 | Massachusetts |
| Murder | 1.4 | 4.6 | Massachusetts |
| Climate (1991–2020 averages) | |||
| Average temperature | 48.8°F | 65.8°F | |
| July average high | 81.9°F | 94.6°F | |
| January average low | 17.1°F | 34.8°F | |
| Precipitation | 48.6 in | 28.6 in | |
Sources: Census ACS 2024 5-year estimates, FHFA house price index via FRED, BLS LAUS, Tax Foundation 2026, US DOL minimum wage, EIA, BEA consumer spending, Census population estimates, FBI crime estimates, and NOAA statewide climate. Median property tax covers owner-occupied homes. Spending is in current dollars and reflects both prices and incomes.
Who is moving between Massachusetts and Texas
In 2024, about 9,454 people living in Texas had lived in Massachusetts a year earlier, and about 6,191 made the opposite move. The difference (+3,263 for Texas) is within the survey's margin of error, so the flow is roughly balanced.
Census State-to-State Migration Flows (ACS 1-year, 2024). ± values are 90% margins of error. Massachusetts and Texas profiles list each state's largest sources and destinations. What the biggest moves trade →
Salary in Texas that matches your Massachusetts pay
Pre-tax salary needed in Texas to keep the same purchasing power, using the all-items price levels (105.8 and 97.1).
| Salary in Massachusetts | Equivalent in Texas | Difference |
|---|---|---|
| $40,000 | $36,711 | −$3,289 |
| $60,000 | $55,066 | −$4,934 |
| $80,000 | $73,422 | −$6,578 |
| $100,000 | $91,777 | −$8,223 |
| $150,000 | $137,665 | −$12,335 |
| $200,000 | $183,554 | −$16,446 |
What the same job pays in Massachusetts and Texas
BLS median annual wages (May 2025), then the same wages adjusted for each state's price level. The last column names the state where the job's median pay buys more.
| Occupation | Massachusetts | Texas | MA adjusted | TX adjusted | Goes further in |
|---|---|---|---|---|---|
| Registered Nurses | $104,550 | $95,970 | $98,819 | $98,836 | Texas |
| Software Developers | $165,210 | $132,150 | $156,153 | $136,097 | Massachusetts |
| Elementary School Teachers | $94,000 | $62,760 | $88,847 | $64,634 | Massachusetts |
| Electricians | $79,420 | $58,570 | $75,066 | $60,319 | Massachusetts |
| Heavy & Tractor-Trailer Truck Drivers | $63,030 | $56,290 | $59,575 | $57,971 | Massachusetts |
| Accountants and Auditors | $99,460 | $80,920 | $94,008 | $83,337 | Massachusetts |
| Police & Sheriff’s Patrol Officers | $78,940 | $75,900 | $74,612 | $78,167 | Texas |
| Pharmacists | $138,170 | $138,260 | $130,595 | $142,389 | Texas |
| Dental Hygienists | $100,640 | $99,240 | $95,123 | $102,204 | Texas |
| Welders, Cutters, Solderers & Brazers | $62,570 | $53,340 | $59,140 | $54,933 | Massachusetts |
Prices inside each state
A statewide price level averages cities and rural areas. The BEA also publishes price levels for metro areas; here is the range in each state.
Massachusetts
- Lowest Pittsfield, MA 95.1
- Highest Boston-Cambridge-Newton, MA-NH 108.3
- Metro areas 7
Texas
- Lowest Eagle Pass, TX 83.8
- Highest Dallas-Fort Worth-Arlington, TX 103.1
- Metro areas 26
Massachusetts vs Texas: the read
The bottom line
Compare a $100,000 income in Massachusetts and Texas: its purchasing power is $94,518 and $102,987, respectively, in national-average terms — a gain of $8,469. Texas is the cheaper of the two, running at 97.1 on the price index versus 105.8.
Where the difference comes from
The widest gap on the index is utilities: Massachusetts sits at 152.1 and Texas at 87.5 (100 = national), and Texas has the edge there. Rents also differ (128.1 versus 96.5), and because rent takes a much larger share of a typical budget than utilities, it usually does more to separate the two states' overall price levels.
Housing
Median rent runs $1,762 in Massachusetts against $1,403 in Texas, and the typical home $562,100 versus $283,800. Texas is the more affordable place to buy.
Taxes
On tax, Massachusetts has 9.00% top income tax and a combined sales tax of 6.25%; Texas has no wage income tax and 8.20%. Those headline rates are useful screening facts, but they do not calculate either household's total liability.
Full profiles: Massachusetts · Texas. Every figure here is sourced on the pages linked above.
Massachusetts vs Texas: common questions
Is it cheaper to live in Massachusetts or Texas?
Texas is cheaper overall. Its price level is 97.1 against 105.8 in Massachusetts (US = 100), so the same basket of goods and services costs about 8.2% less there. The difference is usually largest for rent.
What salary in Texas matches $100,000 in Massachusetts?
About $91,777, before tax. That is $100,000 × 97.1 ÷ 105.8. Income tax, your actual rent or mortgage, and commuting costs can all shift the break-even point.
Which state has lower taxes, Massachusetts or Texas?
Massachusetts has a graduated income tax with a top rate of 9.00% and an average combined sales tax of 6.25%. Texas has no tax on wage income and 8.20%. Median real estate taxes paid by owners are $5,992 and $4,232 a year. Which state costs a household less depends on its income, spending, and whether it owns a home.
Do people earn more in Massachusetts or Texas?
Median household income is $103,960 in Massachusetts and $78,476 in Texas. Adjusted for prices, that is $98,261 and $80,820 in national-average dollars, so households in Massachusetts have more purchasing power at the median.
Are more people moving from Massachusetts to Texas or the other way?
In 2024, about 9,454 people moved from Massachusetts to Texas and about 6,191 moved from Texas to Massachusetts, according to Census state-to-state migration estimates. The difference is within the margin of error, so the two flows are roughly balanced.
Comparing a different pair? Use the full tool →