New Jersey vs Texas
In $100,000 in New Jersey
$91,912
The same income in Texas
$102,987
$100,000 has $11,075 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
$89,246
to match $100,000 in New Jersey, 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 | New Jersey | Texas | Difference |
|---|---|---|---|
| All items | 108.8 | 97.1 | −10.8% |
| Housing rents | 134.3 | 96.5 | −28.1% |
| Goods | 107.1 | 98.1 | −8.4% |
| Utilities | 114.2 | 87.5 | −23.4% |
| Other services | 103.5 | 97.1 | −6.2% |
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 | New Jersey | Texas |
|---|---|---|
| Income tax (top rate) | 10.75% | None |
| Sales tax (combined avg) | 6.60% | 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 12% more in Texas than in New Jersey. On $100,000 that is $11,075 of national-average purchasing power a year.
Median gross rent is $1,720 in New Jersey and $1,403 in Texas, $317 a month ($3,804 a year) less in Texas. Renters spend a median 30.9% and 30.9% of income on rent.
The median home is worth $454,400 in New Jersey (4.4× median household income) and $283,800 in Texas (3.6×). Median property taxes equal 2.11% and 1.49% of the median home value.
Median household income is $103,556 in New Jersey and $78,476 in Texas. After adjusting for prices, that is $95,180 and $80,820: local pay goes further in New Jersey.
Unemployment is 4.4% in New Jersey and 4.5% in Texas (July 2026). The two labor markets are about equally tight. Pay for specific jobs is compared below.
New Jersey 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 | New Jersey | Texas | Edge |
|---|---|---|---|
| Income | |||
| Median household income | $103,556 | $78,476 | New Jersey |
| Adjusted for local prices | $95,180 | $80,820 | New Jersey |
| Housing | |||
| Homeownership rate | 63.8% | 62.6% | |
| Rent as % of renter income | 30.9% | 30.9% | |
| Owner costs as % of income | 20.4% | 17.6% | Texas |
| Home value ÷ household income | 4.4× | 3.6× | Texas |
| Home price change, 2020–2025 · FHFA index | +64.7% | +44.2% | |
| Taxes | |||
| Top income tax rate | 10.75% (graduated) | None on wages | Texas |
| Combined sales tax (avg) | 6.60% | 8.20% | New Jersey |
| Median property tax paid | $9,590 | $4,232 | Texas |
| Property tax ÷ home value | 2.11% | 1.49% | Texas |
| Jobs | |||
| Unemployment (July 2026) | 4.4% | 4.5% | New Jersey |
| Minimum wage | $15.92/hr | $7.25/hr | |
| Everyday costs | |||
| Median rent, 2 bedrooms | $1,804/mo | $1,395/mo | Texas |
| Average electric bill (2024) | $128/mo | $164/mo | New Jersey |
| Electricity price | 19.3¢/kWh | 14.9¢/kWh | Texas |
| Health care spending per person (2025) | $11,278 | $8,294 | |
| All consumer spending per person (2025) | $68,561 | $55,875 | |
| People | |||
| Population change since July 2020 | +3.0% | +8.4% | |
| Net moves from other states | −211,131 | +760,233 | |
| Median age | 40.1 | 35.6 | |
| Bachelor's degree or higher (25+) | 43.6% | 33.8% | |
| No health insurance | 7.5% | 17.1% | New Jersey |
| Average commute | 30.5 min | 26.7 min | Texas |
| Crime (2025, per 100,000 residents) | |||
| Violent crime | 193.8 | 344.9 | New Jersey |
| Property crime | 1,249.6 | 1,786 | New Jersey |
| Murder | 1.9 | 4.6 | New Jersey |
| Climate (1991–2020 averages) | |||
| Average temperature | 53.6°F | 65.8°F | |
| July average high | 85.7°F | 94.6°F | |
| January average low | 23.2°F | 34.8°F | |
| Precipitation | 47.6 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 New Jersey and Texas
In 2024, about 11,078 people living in Texas had lived in New Jersey a year earlier, and about 2,930 made the opposite move. On net, Texas gained about 8,148 residents from New Jersey that year.
Census State-to-State Migration Flows (ACS 1-year, 2024). ± values are 90% margins of error. New Jersey and Texas profiles list each state's largest sources and destinations. What the biggest moves trade →
Salary in Texas that matches your New Jersey pay
Pre-tax salary needed in Texas to keep the same purchasing power, using the all-items price levels (108.8 and 97.1).
| Salary in New Jersey | Equivalent in Texas | Difference |
|---|---|---|
| $40,000 | $35,699 | −$4,301 |
| $60,000 | $53,548 | −$6,452 |
| $80,000 | $71,397 | −$8,603 |
| $100,000 | $89,246 | −$10,754 |
| $150,000 | $133,869 | −$16,131 |
| $200,000 | $178,493 | −$21,507 |
What the same job pays in New Jersey 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 | New Jersey | Texas | NJ adjusted | TX adjusted | Goes further in |
|---|---|---|---|---|---|
| Registered Nurses | $106,500 | $95,970 | $97,886 | $98,836 | Texas |
| Software Developers | $135,940 | $132,150 | $124,945 | $136,097 | Texas |
| Elementary School Teachers | $78,200 | $62,760 | $71,875 | $64,634 | New Jersey |
| Electricians | $77,250 | $58,570 | $71,002 | $60,319 | New Jersey |
| Heavy & Tractor-Trailer Truck Drivers | $63,570 | $56,290 | $58,428 | $57,971 | New Jersey |
| Accountants and Auditors | $100,830 | $80,920 | $92,675 | $83,337 | New Jersey |
| Police & Sheriff’s Patrol Officers | $92,610 | $75,900 | $85,119 | $78,167 | New Jersey |
| Pharmacists | $137,620 | $138,260 | $126,489 | $142,389 | Texas |
| Dental Hygienists | $107,040 | $99,240 | $98,382 | $102,204 | Texas |
| Welders, Cutters, Solderers & Brazers | $59,440 | $53,340 | $54,632 | $54,933 | Texas |
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.
New Jersey
- Lowest Vineland, NJ 96.0
- Highest New York-Newark-Jersey City, NY-NJ 112.6
- Metro areas 6
Texas
- Lowest Eagle Pass, TX 83.8
- Highest Dallas-Fort Worth-Arlington, TX 103.1
- Metro areas 26
New Jersey vs Texas: the read
The bottom line
Compare a $100,000 income in New Jersey and Texas: its purchasing power is $91,912 and $102,987, respectively, in national-average terms — a gain of $11,075. Texas is the cheaper of the two, running at 97.1 on the price index versus 108.8.
Where the difference comes from
The widest gap on the index is housing rents: New Jersey sits at 134.3 and Texas at 96.5 (100 = national), and Texas has the edge there. Rent is also the largest item in most household budgets, so this gap does the most to separate the two states' overall price levels.
Housing
Median rent runs $1,720 in New Jersey against $1,403 in Texas, and the typical home $454,400 versus $283,800. Texas is the more affordable place to buy.
Taxes
On tax, New Jersey has 10.75% top income tax and a combined sales tax of 6.60%; 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: New Jersey · Texas. Every figure here is sourced on the pages linked above.
New Jersey vs Texas: common questions
Is it cheaper to live in New Jersey or Texas?
Texas is cheaper overall. Its price level is 97.1 against 108.8 in New Jersey (US = 100), so the same basket of goods and services costs about 10.8% less there. The difference is usually largest for rent.
What salary in Texas matches $100,000 in New Jersey?
About $89,246, before tax. That is $100,000 × 97.1 ÷ 108.8. Income tax, your actual rent or mortgage, and commuting costs can all shift the break-even point.
Which state has lower taxes, New Jersey or Texas?
New Jersey has a graduated income tax with a top rate of 10.75% and an average combined sales tax of 6.60%. Texas has no tax on wage income and 8.20%. Median real estate taxes paid by owners are $9,590 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 New Jersey or Texas?
Median household income is $103,556 in New Jersey and $78,476 in Texas. Adjusted for prices, that is $95,180 and $80,820 in national-average dollars, so households in New Jersey have more purchasing power at the median.
Are more people moving from New Jersey to Texas or the other way?
In 2024, about 11,078 people moved from New Jersey to Texas and about 2,930 moved from Texas to New Jersey, according to Census state-to-state migration estimates. That is a net gain of about 8,148 for Texas.
Comparing a different pair? Use the full tool →