City comparison · 3,329 km apart

Boston vs El Paso: which should you move to?

Boston or El Paso? Housing, rent, crime, climate, income, taxes and transit, side by side, from each city's own published figures. Written for someone deciding where to live, not for a ranking.

Skyline of downtown Boston
Massachusetts · United States

Boston

Photograph: Skyline of downtown Boston · Nkon21 · CC BY 4.0 · source
El Paso from Scenic Drive
Texas · United States

El Paso

Photograph: El Paso from Scenic Drive · WmCheez · CC BY-SA 4.0 · source
The short answer

Both cities price in US dollars, so the figures net directly, and El Paso is the cheaper city on nearly every line and the lower-paid one on every line. On Zillow's index, the same measure in both, Boston's typical home was $791,816 in June 2026, and Zillow's index for the City of El Paso stood at $238,475 in August; El Paso's headline, the Texas A&M Real Estate Research Center's median sale price for El Paso County, was $280,615. Mortgage, property tax and insurance come to about $4,756 a month on Boston's figure at August's 6.66% and $2,165 on El Paso County's median at September's 7.03%, roughly 58% and 43% of each city's median household income; at the same 7.03% Boston's would be about $4,913. El Paso's property tax is three times the rate and still the larger bill, $5,845 against $5,465, but Texas takes no income tax where Massachusetts takes $4,780 on $100,000. Boston pays far more, $97,791 in the city against $59,932, the lowest of any city this site compares. El Paso has the lower crime on every count available: 288 violent offenses per 100,000 in 2025 against Boston's own count of 507, and 26 homicides, about 3.8 per 100,000, against 31 at about 4.6. Choose Boston to live without a car, for the pay, near the teaching hospitals, in the state with the lowest uninsured rate. Choose El Paso for the cheaper house, the lower crime, a dry 8.1 C January and a border city with Ciudad Juárez across the river.

Population
MeasureBostonEl PasoAdvantage
City population672,973 (2025)683,012 (2025)Not directly comparable
Metro population5,034,221 (2025)881,291 (2025)Not directly comparable
Five-year growth
Growth is pressure on rents and roads as much as it is opportunity, so it is reported without a winner.
-0.8% (2020-2025)0.6% (2020-2025)Not directly comparable
01: Housing

What a home costs in each

The figures the two cities' rent-versus-buy and mortgage calculators run on, read from the same tables.

Housing costs
MeasureBostonEl PasoAdvantage
Benchmark home price
MLS® HPI or equivalent benchmark. Lower is treated as the advantage, which is the buyer's view rather than the owner's.
$791,816 (June 2026)$280,615 (August 2026)El Paso
Detached house benchmark$858,328$239,433El Paso
Apartment or condominium benchmark$739,553$176,689El Paso
Two-bedroom rent$3,425/mo (median, June 2026)$1,126/mo (median, September 2026)El Paso
One-bedroom rent$2,877/mo$941/moEl Paso
Two-bedroom rent against median income
A year of two-bedroom rent as a share of the median household income below. A household paying the median rent out of the median income is a fiction, but it is the same fiction in both columns and it crosses currencies.
42.0% of a year's income22.5% of a year's incomeEl Paso
Mortgage payment on the benchmark, 20% down
30-year amortization on American monthly compounding, the convention in both.
$4,071/mo at 6.66%$1,498/mo at 7.03%El Paso
Price to household income
Benchmark price divided by the median household income below. A ratio is comparable across currencies; the dollars are not.
8.1×4.7×El Paso
Property tax on the benchmark home
The effective rate on market value, which is what the two rates have in common and what the Advantage column is decided on; the bills are in each city's own dollars.
$5,465/yr (0.690%, 2026)$5,845/yr (2.083%, 2025)Boston
Transfer tax on the benchmark home
Compared as a share of the price. Where the seller pays it, it is a cost of leaving rather than arriving.
$3,611 (seller pays)NoneEl Paso
Rent control
A cap protects a sitting tenant and does nothing for the next lease, so neither column is simply better.
Forbidden by state lawForbidden by state lawNot directly comparable

Boston: About 0.69% of what you pay for the house. Boston charges business $27 per $1,000 against the $12 it charges you, a shift of 2.17 to one. That is why the residential rate is what it is: under MGL c.40 s.56 a municipality may move part of the levy onto commercial property, so a low published rate is evidence of a commercial tax base rather than of a cheap town. Boston is one of nine municipalities in this layer that grants a residential exemption under MGL c.59 s.5C, and it takes $351,108 of assessed value off an owner-occupied parcel. That is a flat dollar slab rather than a percentage of your house, so it is worth the same on a cheap home as on an expensive one and worth far more as a share of the bill at the bottom of the market. On the $791,816 typical home value here it produces a bill of about $5,465 a year against the $9,819 somebody who does not live in the building pays on the same house. It is not automatic: you file with the assessors, the deadline is 1 April, and you must have owned and occupied the property on the previous 1 January. Massachusetts assesses at full and fair cash value and re-sets the whole class every year, with the Department of Revenue certifying the roll every five years and reviewing the interim adjustments in between. There is no assessment freeze as in Ontario and North Carolina and no purchase reset or growth cap as in Florida, which means the useful thing a Massachusetts buyer can do that a Florida buyer cannot: the seller's current tax bill is a fair guide to what you will pay. The only lag is the lien date. Fiscal 2026 bills are charged against values as of 1 January 2025. El Paso: About 2.08% of value for a homesteaded owner, worked out on the $280,615 El Paso County median sale price. A house in the City of El Paso and El Paso ISD, the school district more of the city's residents live in than any other, is taxed by five units for 2025, which add to 2.643693 per $100 before any exemption. Three take a homestead exemption off the appraised value first and two take none: El Paso ISD takes the state's $140,000 and nothing more, El Paso County and the City a flat $5,000 each, and El Paso Community College and University Medical Center of El Paso, the county's hospital district, nothing at all. So El Paso County levies 0.458889 per $100 on $275,615 after an exemption of $5,000, $1,265; City of El Paso levies 0.759649 per $100 on $275,615 after an exemption of $5,000, $2,094; El Paso ISD levies 1.0807 per $100 on $140,615 after an exemption of $140,000, $1,520; El Paso Community College levies 0.103563 per $100 on the full $280,615, with no homestead exemption, $291; University Medical Center of El Paso levies 0.240892 per $100 on the full $280,615, with no homestead exemption, $676. The five come to $5,845 a year, 2.08% of the price. Without a homestead, as a landlord or a buyer who never files, the same house owes $7,419. In Ysleta ISD, the district the second most residents live in, the school line is 1.2005 per $100 after an exemption of $196,123, the state's plus the district's own 20%, and the same house comes to $5,339, 1.90%; in Socorro ISD, at 0.9389, it comes to $5,645, 2.01%. The median is the county's, and a typical home inside the city is cheaper: on $238,475, Zillow's August 2026 value for a typical City of El Paso home, the El Paso ISD stack comes to $4,731, 1.98%, lower because the school district's flat exemption is a larger share of a cheaper house. These are the 2025 rates, the bills due by 31 January 2026. The City has since adopted 0.798 for 2026, but when these figures were retrieved the City Tax Office's table still ran to 2025, so the calculators stay on 2025 until all five units' 2026 rates are published.

02: Crime and safety

How safe each city is, by the numbers it publishes

Police-reported figures for the most recent year each force or statistics agency has released. Rates describe a whole city or metro area, and the spread between neighbourhoods inside one city is usually wider than the gap between the two cities.

Crime
MeasureBostonEl PasoAdvantage
Crime Severity Index
Statistics Canada's weighted index for the metropolitan area, where 100 is Canada in 2006. American cities have no equivalent series.
Not publishedNot publishedNot directly comparable
Violent crime per 100,000507 (2025)288 (2025)El Paso
Property crime per 100,0001,950 (2025)1,340 (2025)El Paso
Homicides
Counts, not rates, and a single year in a small city moves a long way on chance alone. What each figure covers is under the table.
31 (2025)26 (2025)Not directly comparable
Boston

Violent Part One offences fell from 3,636 in 2023 to 3,615 in 2024 and 3,409 in 2025 on BPD's own year-end counts, and property offences went 12,777, then 13,354, then 13,120, so the three-year direction is down on both. Homicides moved the other way and are the number people argue about: 36 in 2023, then 24 in 2024, a low the city had not seen in decades, then 31 in 2025. Even at 31 the count sits below the 38.2 five-year average, and BPD reports shootings still more than 30% under that average. All of these are preliminary until UCR coding is complete, and BPD's violent crime definition runs below the FBI's, which recorded 4,138 violent offences in Boston in 2024 against BPD's 3,615.

What the rates cover: Computed: Boston Police Department counted 3,409 Part One violent offences between 1 January and 28 December 2025 (31 homicides, 150 rapes, 760 robberies, 914 domestic aggravated assaults, 1,554 non-domestic aggravated assaults), divided by the 672,973 Vintage 2025 city population. The FBI's 2024 file for Boston gives a higher figure, 4,138 violent offences and 628 per 100k, almost all of the gap in aggravated assault; BPD's counts are its own and are preliminary until UCR coding is complete.

Homicides: City of Boston, 31 homicides in the 1 January to 28 December 2025 count, up from 24 in 2024 and down from 36 in 2023. Three of the 31 were deaths from earlier years ruled homicides in 2025. That is about 4.6 per 100,000. Commissioner Michael Cox put the 2025 total 16% below the five-year average of 38.2, and 19 of the 31 victims were shot.

El Paso

On the FBI's definitions, violent offenses in El Paso went from 1,794 in 2021 to 2,109 in 2022, 2,134 in 2023 and a peak of 2,170 in 2024, then 1,969 in 2025, a 9% drop in the last year that still leaves the count 10% above 2021. Property offenses went from 8,882 to 9,440 and a peak of 11,061 in 2023, then 10,246 and 9,152, 17% below the peak. Motor vehicle theft drove much of the swing: 994 in 2021, 2,314 in 2023 and 1,805 in 2025. In 2025 the CDE shows aggravated assaults down 10% (1,628 to 1,467), robberies down 11% (255 to 226), rapes down 6% (267 to 250), burglaries down 19% (959 to 773) and larcenies down 11%, while murders (20 to 26) and arsons (69 to 78) rose. EPPD's own count of the eight offenses, as reported to the state, fell 11% in 2025, but El Paso Matters found it was the only one of Texas's 25 largest law enforcement agencies to report more serious crime in 2025 than in 2021, after rises in 2022 and 2023. The 2025 CDE counts were read on 30 September 2026 from a feed last refreshed on 15 September and can still be revised.

What the rates cover: Computed: 1,969 violent offenses (murder, rape, robbery and aggravated assault) in the FBI Crime Data Explorer's summarized data for the El Paso Police Department (ORI TX0710200) in calendar 2025, divided by the 683,012 Vintage 2025 city population. On the CDE's own agency population of 682,310 the rate is 289. That is the lowest of any US city this site compares, against 375 in Fort Worth, 532 in San Antonio, 577 in Dallas and 890 in Houston, and below Miami's 359. EPPD's own figures, as reported to the Texas Department of Public Safety and summarized by El Paso Matters, put violent crime 10% lower in 2025 than in 2024, in line with the CDE's 9% drop.

Homicides: 26 murders and nonnegligent manslaughters in 2025 in the FBI CDE, against 20 in 2024, about 3.8 per 100,000 on the city population, half Fort Worth's rate and a third of Houston's. El Paso Matters, reading the department's report to the state, also has murder rising in 2025, one of only two of the eight tracked offenses that did, with arson. The CDE series is small and uneven: 33 in 2021, 22 in 2022, 37 in 2023, 20 in 2024 and 26 in 2025.

03: Climate

Winters, summers and what the weather can do to a house

Climate normals
MeasureBostonEl PasoAdvantage
January mean-1.2 °C8.1 °CNot directly comparable
July mean23.4 °C29.1 °CNot directly comparable
Precipitation a year1,107 mm223 mmNot directly comparable
Snowfall a year125 cm7 cmNot directly comparable
Sunshine a year2,634 hours3,763 hoursEl Paso
Boston

NOAA NCEI 1991-2020 normals, Boston Logan International Airport (USW00014739): January mean 29.9 F, July mean 74.1 F and the warmest month, annual precipitation 43.59 in spread almost evenly across the twelve months, annual snowfall normal 49.2 in. Converted here to -1.2 C, 23.4 C, 1,107 mm and 125 cm. Sunshine is not in the 1991-2020 normals product; the 2,634 hours shown is the older 1961-1990 NCDC mean, 58% of possible, the same series used for Charlotte on this site.

Hazards: Nor'easters are the hazard that defines the coast here. The bomb cyclone of 4 January 2018 pushed the Boston tide gauge to 15.16 ft, beating the 15.1 ft of the Blizzard of 1978 in records kept since 1921, floated ice down Atlantic Avenue, flooded 75 homes in Winthrop and put water into the Aquarium subway station; a second nor'easter did much the same two months later. Climate Ready Boston plans against roughly 9 inches of sea level rise by 2030, 21 inches by 2050 and 36 to 40 inches (91 to 102 cm) by 2070, and the city's coastal resilience plans for Charlestown, the downtown waterfront and North End, East Boston, South Boston and Dorchester are all designed for a 1% annual chance storm at 2070 sea levels across 47 miles of shoreline. In East Boston alone the near-term works are costed to protect 10,800 residents and 250 businesses and to avoid about $620 million in losses. Away from the water the hazards are ordinary and expensive: a 49 inch snow normal, ice, and summer heat waves that are short but severe.

El Paso

NOAA NCEI 1991-2020 normals for El Paso International Airport (station USW00023044), inside the city about 7 miles east-northeast of downtown and the station where the National Weather Service keeps El Paso's official record: January mean 46.5F, July mean 84.4F, annual mean 66.2F, 8.78 in of precipitation, 2.8 in of snow. July is the warmest month by half a degree over June (83.9F), but June has the hottest afternoons, with a mean high of 97.1F before the monsoon arrives, against July's 95.8F; December (46.1F) is a shade colder than January, whose mean low is 34.5F. More than half the year's rain falls from July through September (1.58, 1.67 and 1.52 in), and April (0.17 in) is the driest month; the snow falls from November to February, most of it in December (1.3 in). The normals count 116.8 days a year at 90F or above, 26.5 at 100F or above and 42.0 nights at or below freezing. Converted here to 8.1 C, 29.1 C, 223 mm and 7.1 cm. That is the least precipitation of any city this site compares, a quarter of Dallas's and a sixth of Houston's, and the most freezing nights of the Texas cities; only Austin, at 28.7, has more 100F days. Sunshine is the 1961-1990 NOAA monthly series as Wikipedia's climate table gives it, 3,762.5 hours a year, rounded here to 3,763 and the most of any city this site compares; Current Results, from the same NCDC comparative data, puts El Paso at 84% of possible sunshine and 193 clear days a year but lists no hours for it, and the 1991-2020 normals do not include sunshine.

Hazards: Heat is the constant, and it is getting worse. The normals count 116.8 days a year at or above 90F and 26.5 at or above 100F (37.8 C). The airport's record is 70 days of 100F in 2023, including 44 in a row from 16 June to 29 July, well ahead of 62 in 1994 and 57 in 2020, and its highest reading is 114F (45.6 C), on 30 June 1994. The summer of 2026 set a different record: 108 days in a row at 90F or above, from 6 June to 21 September, the longest run on record and two days longer than 2015's, with 52 days at 100F or above by 27 September, and El Paso Matters reports the year on track to be the city's warmest. Flash flooding is the danger the dry climate hides. The monsoon brings most of the year's rain in a few storms, and water runs off the Franklin Mountains through the arroyos into the city. From 27 July to 4 August 2006 a series of storms dropped 6.84 in (174 mm) on the airport, 2.84 in (72 mm) of it on 1 August, its second-wettest day since 1938, while 3 to almost 10 in fell over the western side of the city that morning and early afternoon; the National Weather Service calls it the worst flooding in the area's recorded history. The Rio Grande rose to its highest level since 1912, 1,200 people were evacuated from Sunland Park, New Mexico, all of Vinton was evacuated, and the airport's 15.01 in (381 mm) from July through September made it the wettest monsoon on record. The NWS puts the region's damage at about $450 million; El Paso Water counts more than $200 million to homes and businesses and $115 million to the city's stormwater system, and the City Council created a stormwater utility, run by El Paso Water on monthly fees, in 2008. Wind and dust are the spring hazard, from March to early May, when strong winds lift sand and dust off the desert and cut visibility (Wikipedia). On 8 December 2009 gusts near 80 mph (129 km/h) tore roofs off buildings in eastern El Paso and closed Transmountain Road and US 54, and blowing dust cut visibility on I-10 toward Las Cruces to under half a mile (NWS). Drought is a water supply problem. El Paso Water gets nearly half its supply from the Rio Grande, stored upstream in New Mexico's Elephant Butte Reservoir, and says it has not received a full allocation in about a decade; the rest comes from the Hueco and Mesilla aquifers and the Kay Bailey Hutchison Desalination Plant, built with Fort Bliss, which can make 27.5 million gallons a day from brackish groundwater and which the utility calls the largest inland desalination plant in the world. Elephant Butte fell to 26,777 acre-feet on 30 July 2026, 1.4% of its capacity and the least water in it since October 1971 on Texas Water Development Board figures, and stood at 2.4% on 30 September. The utility's Pure Water Center, a $290 million plant that will turn up to 10 million gallons a day of treated wastewater into drinking water piped straight into the distribution system, one of the first of its kind in the country, is under construction and due to open in 2029. Cold is rare, and the grid matters. El Paso Electric is on the grid that covers the western US, not ERCOT's, as the utility itself points out, so El Paso sat outside the Texas grid that failed during Winter Storm Uri: the airport recorded 3.2 in (8.1 cm) of snow on 14 February 2021 and a low of 14F (-10.0 C) on the 14th and 15th, and the Texas Department of State Health Services, which counted 246 deaths from the storm across the state, recorded none in El Paso County. The city's own crisis came ten years earlier. From 1 to 4 February 2011 temperatures stayed below freezing for 78 hours, the high on the 2nd was 15F (-9.4 C) and the low on the 3rd was 1F (-17.2 C); all eight of El Paso Electric's primary generators failed in the cold, forcing rolling blackouts, and frozen pipes and failed pumps left parts of El Paso without water for days (NWS, Wikipedia). The station's record low is -8F (-22.2 C), on 11 January 1962.

04: Income, jobs and taxes

What people earn and what the government takes

Income and taxes
MeasureBostonEl PasoAdvantage
Median household income$97,791 USD (2024)$59,932 USD (2024)Boston
Unemployment rate4.3% (July 2026)4.8% (July 2026)Boston
Sales tax6.25%8.25%Boston
Top marginal income tax
Federal plus provincial or state. The American figure leaves out payroll taxes and the cost of health insurance, both of which a Canadian household covers through the tax it pays here.
46%37%El Paso
Income tax on $100,000, single filer
Computed from each jurisdiction's brackets at a single filer's $100,000 and rounded to the dollar, so a gap of a dollar is rounding rather than tax. Two cities in one province or state are shown as Even, because there the two cells describe the same tax and whatever separates them is method.
$18,229 USD$13,449 USDEl Paso
Boston

BLS counted 2,747,200 nonfarm jobs in the Boston-Cambridge-Newton MSA in July 2026, up 0.3% on the 2,739,800 of July 2025, so the metro job market is flat rather than growing. Inside the city the largest industries by employment in 2024 were health care and social assistance (68,674), professional, scientific and technical services (59,267) and educational services (50,798), and the best-paid were management of companies ($120,536 median), finance and insurance ($111,396) and professional and technical services ($104,866). Hospitals and universities are not a sideline here, they are the base of the economy, which makes the city unusually exposed to federal research funding and to international student flows. bls.gov answered 403 to the fetcher, so the employment counts come through FRED and the industry mix through Data USA, both of which restate Census and BLS series.

Main sectors: Health care and social assistance (Mass General Brigham, Beth Israel Lahey, Boston Children's), Higher education and research, Professional, scientific and technical services, Finance and insurance, especially asset management and custody banking, Life sciences and biotech, in the Longwood Medical Area and along the Charles.

Property tax is the local levy that matters. Boston's certified fiscal 2026 residential rate is $12.40 per $1,000 of full and fair cash value, and an owner who is domiciled in the home gets a residential exemption of $351,108 off the assessed value, worth $4,353.74 a year at that rate; it is not automatic on purchase and has to be filed for by 1 April. Proposition 2 1/2 caps the levy a municipality may raise rather than the rate, so a rate can fall in a year when every bill rises. Massachusetts reassesses the whole residential class at full value every year, with no cap, no freeze and no reset on sale, which means the seller's current bill is a fair guide to what a buyer will pay. Nothing is charged to take title or to borrow: no buyer transfer tax and no mortgage recording tax, only the deeds excise at $4.56 per $1,000, which MGL c.64D s.1 puts on the seller. Massachusetts does levy an estate tax, unusual among the states on this site: estates over $2 million file, and since the 2023 change a credit of up to $99,600 means only the value above $2 million is taxed, at 0.8% to 16%.

El Paso

BLS counted 363,500 nonfarm jobs in the El Paso MSA in August 2026 (not seasonally adjusted, preliminary), up 3,200 or 0.9% on the year. Professional and business services grew fastest (+3.5%, to 44,500), then leisure and hospitality (+2.5%, to 44,600), construction and mining (+1.8%) and manufacturing (+1.1%, to 18,400), while information (-4.5%) and local government (-1.3%, to 47,000) shrank and private education and health services held at 56,000. Unlike in Fort Worth and San Antonio, federal employment rose, 3.0% to 13,800; BLS's payroll count does not include active-duty soldiers. Trade, transportation and utilities is the largest sector at 80,200 jobs and government the second at 70,900. The seasonally adjusted series (SMS48213400000000001) was 365,200 in August 2026, 1.2% above August 2025. The Texas Comptroller counts 41,527 direct employees at Fort Bliss in 2025 and estimates the base supported 121,220 Texas jobs and $17.3 billion of the state's GDP ($29.1 billion of output). The border is the other half of the economy: in 2025 the Bureau of Transportation Statistics counted 13.1 million personal vehicle passengers and 5.4 million pedestrians entering at the El Paso port, second on the Mexican border only to San Ysidro for both, and 641,729 trucks at Ysleta-Zaragoza, fourth after Laredo, Otay Mesa and Hidalgo. The largest new investment is Meta's AI data center in Northeast El Paso, a $10 billion project as El Paso Matters described it in May 2026, which the city expects to become its largest property taxpayer, at about $15 million a year once fully built in 2028, with 300 permanent jobs (El Paso Matters).

Main sectors: Military and federal government: Fort Bliss, home of the 1st Armored Division, the largest installation in the Army's Forces Command, with 41,527 direct employees in 2025 (30,288 of them active-duty), and the federal border agencies (US Border Patrol's El Paso Sector, Customs and Border Protection, the El Paso Intelligence Center), Health care (University Medical Center of El Paso and the El Paso County Hospital District, Texas Tech Health El Paso, William Beaumont Army Medical Center), Cross-border trade, transportation and logistics with Ciudad Juárez and its export factories, the metro's largest sector by payroll jobs (80,200 in August 2026), The ports of entry: the downtown Paso del Norte, Stanton Street and Bridge of the Americas crossings, Ysleta-Zaragoza and Tornillo, which together took 842,659 trucks and 28.8 million people into the US in 2025, Education and local government (UTEP, El Paso Community College and the El Paso, Ysleta and Socorro school districts); government is the metro's second-largest sector at 70,900 jobs.

Property tax is the local levy that matters. Tax Foundation puts Texas's effective property tax rate on owner-occupied homes at 1.40%, and school districts must exempt $140,000 of a homestead's value from their tax. On 18 August 2026 a divided City Council adopted a $658.6 million general fund budget for fiscal 2027 and a rate of 79.8 cents per $100 of taxable value, both 6 to 2, which El Paso Matters says will raise the city's bill on the average-value home by about $105; the council had adopted the no-new-revenue rate every year before 2025, and the city manager's proposal at the voter-approval rate would have added $132. The county adopted its no-new-revenue rate of 45.1 cents, about $41 more on a $229,637 home, and the hospital district proposed its no-new-revenue rate of 23.7 cents. El Paso's rates are among the highest of Texas's big counties, but its home values are among the lowest: an El Paso Matters analysis of Tax Foundation and Census data found the county's median property tax bill took 6.1% of median household income in 2024, about the same share as in most large Texas counties and less than in Travis County, where the median bill was 111% higher. The county, school district, hospital district, community college and other levies on the same bill belong to the housing layer.

05: Getting around

Whether you need a car

Transit
MeasureBostonEl PasoAdvantage
SystemThe MBTA: three heavy rail subway lines (Red, Orange, Blue), the Green Line light rail and the Mattapan trolley, about 150 bus routes, 12 commuter rail lines over 394 miles of track, and 8 ferry routesSun Metro, a department of the City of El Paso that also serves the rest of El Paso County: 39 fixed bus routes with a fleet of 171 buses running on compressed natural gas, four Brio rapid bus lines (Mesa, opened 2014; Alameda and Dyer, 2018; Montana, 2022) covering about 51.5 miles with 98 stations, running in mixed traffic with signal priority, the fare-free El Paso Streetcar on a 4.8-mile downtown and UTEP loop with 27 stops, using restored 1937 PCC cars (opened November 2018), and LIFT paratransitNot directly comparable
Commute by public transit25.3% (2024)0.9% (2024)Boston
Walk or cycle to work17.4% (2024)1.6% (2024)Boston
AirportLogan International Airport (BOS), 43.2 million passengers in calendar 2025 per Massport's 2025 Year in Review, including a record 10 million international passengers, up 3.8% on 2024. It sits in East Boston, about three miles from downtown across the harbor.El Paso International Airport (ELP), owned by the city about 7 miles east-northeast of downtown and with no airline hub, handled 3,838,968 passengers in 2025, 4.9% fewer than the record 4,038,530 of 2024, and 83,183 tons of freight, 11.3% fewer, per the airport's December 2025 activity report; Southwest Airlines carried 54% of December's passengers and American 24%. On the night of 10 February 2026 the FAA closed most of El Paso's airspace to civil aviation, citing special security reasons, and lifted the order less than eight hours later; 14 passenger flights were canceled (Wikipedia).Not directly comparable
Boston

The MBTA carried 270,715,800 unlinked trips in 2025 (APTA ridership report, as cited by Wikipedia; the APTA PDF itself refused the fetcher). Average weekday ridership in the first quarter of 2026 was 851,600, of which about 326,500 on the Red, Orange and Blue lines, 124,900 on the Green Line and Mattapan trolley and 104,000 on commuter rail. Commuter rail alone passed 29 million trips in 2025 by the MBTA and Keolis year-in-review report.

El Paso

Sun Metro carried 6,186,400 unlinked trips in 2025, 5,575,200 of them by bus and 396,200 on the streetcar, and about 20,200 a weekday in the second quarter of 2026, 1,400 of them on the streetcar (APTA ridership reports, as cited by Wikipedia; APTA's PDFs refused the fetcher). That is slightly more than Trinity Metro's 6,180,600 in Fort Worth, a city half again as large, and a fifth of VIA's 30.7 million in San Antonio. The system is paid for in part by a half-cent city sales tax levied since 1988, and the standard fare is $1.50. The Brio lines, branded buses with curbside stations and pre-boarding ticket machines, run less often than that branding suggests: Sun Metro's current schedules give the Mesa line every 15 minutes at weekday peaks and 20 otherwise, the Alameda and Dyer lines 20 and 25, and the Montana line 30 to 35; the Montana line, 17 miles to the Upper East Side, is the longest. The streetcar runs every 15 minutes, until 11 pm on Fridays and Saturdays, and charges no fare. Its cars ran on El Paso's last line, the international loop through Ciudad Juárez, from 1950 until it closed in 1973 (Wikipedia).

06: Daily life

Health care, schools and what each city is like

Boston

Health care

Massachusetts has the lowest uninsured rate in the country, 2.8% in 2024 against 8.2% nationally, which is the legacy of its own 2006 coverage law and of MassHealth, the Medicaid program, expanded under the ACA. Care is still paid for through employer plans, ConnectorCare and marketplace plans, Medicare and MassHealth, and what a household pays out of pocket depends entirely on the plan. The teaching hospitals are the draw. Massachusetts General and Brigham and Women's were both named to the U.S. News 2026-2027 Best Hospitals honor roll, the top 20 in the country, with Mass General first nationally in psychiatry and McLean second, Brigham and Dana-Farber third in cancer, Brigham second in obstetrics and gynecology and eighth in neuroscience, and Mass General sixth in heart and vascular care. Beth Israel Deaconess, Tufts Medical Center, Boston Children's and the rest of the Longwood Medical Area cluster fill in the rest. Density of hospitals is not the same as an appointment: this file did not verify a wait time figure for primary or specialist care.

Education

Boston Public Schools enrolled 44,416 students in 2025-26 on the state's count, down 1,678 or 3.6% from 46,094 the year before, which itself was up from 45,742 in 2023-24. Address does not settle where a child goes. Assignment runs through a choice application, and the three exam schools, Boston Latin School, Boston Latin Academy and the John D. O'Bryant School, admit on a composite score that is 70% grade point average and 30% the MAP Growth test, with applicants competing only inside one of four socioeconomic tiers drawn from where they live. The School Committee voted 4 to 2 in November 2025 to set aside 20% of seats for the highest scorers citywide regardless of tier, and to drop the bonus points for students at high-poverty schools; the district's own simulation put Black students' share of invitations falling from 20% to 15% and white students' rising from 27% to 33%. Higher education is the city's other anchor and a large part of its economy: Boston University counted 37,737 students in fall 2024, Northeastern is the other large private university inside the city, and Harvard and MIT are across the Charles in Cambridge.

Living there

Boston is small, old and dense in a way no other city on this site is. The median home was built in 1947, 64% of occupied homes are rented, and a quarter of workers get to work on the MBTA, against about one in a hundred in Tampa. That buys a life much of the city can live without a car, and it costs the most money of the American cities here: Zillow's typical value for June 2026 is $791,816. Winter is the part people underestimate, a 49 inch snow normal and a January mean below freezing, and the housing stock that gives the city its look is the housing stock that has to be heated. The open question is on the waterfront. The Seaport was built out over the last twenty-five years on filled land at the harbor's edge, the January 2018 tide showed what a nor'easter can do at high water, and the city now designs its coastal defenses to 2070 sea levels.

El Paso

Health care

Care is paid for through employer or marketplace insurance, Medicare and Medicaid, and Texas is one of the ten states that have not expanded Medicaid under the Affordable Care Act (KFF). It had the highest uninsured rate of any state in 2024: 16.7%, or 5,152,427 of 30,799,312 people, against 8.2% nationally and 12.0% in Georgia, the next highest, on the ACS 2024 1-year estimates. The City of El Paso's rate was 20.8% (138,104 of 665,393), El Paso County's 21.5% and the metro's 21.5%. University Medical Center of El Paso, run by the El Paso County Hospital District, is the county's only public hospital and the region's only Level I trauma center; it has 394 licensed beds and in fiscal 2024 counted 97,326 emergency visits and more than a million outpatient visits. The district, which also runs El Paso Children's Hospital, has budgeted $136 million of uncompensated care for fiscal 2027 on a $2.1 billion budget, citing the end of the enhanced ACA subsidies, and voters approved a $397 million bond for it in 2024 (El Paso Matters). UMC is the teaching hospital of Texas Tech Health El Paso, formerly Texas Tech University Health Sciences Center El Paso, independent since 2013, whose Paul L. Foster School of Medicine was the first four-year medical school on the US-Mexico border; it also runs schools of nursing, biomedical sciences and dental medicine, the last of which took its first class in 2021, and is planning the Fox Cancer Center, which it calls the first comprehensive cancer center in far West Texas. William Beaumont Army Medical Center, the Army hospital at Fort Bliss, moved into a new 1.1-million-square-foot complex on East Fort Bliss in July 2021 and runs the emergency department for Northeast El Paso (Wikipedia). This file did not verify a wait time figure for primary or specialist care.

Education

Four school districts cover parts of the city, El Paso ISD, Ysleta ISD, Socorro ISD and Canutillo ISD, and nine serve the county (Wikipedia). All of them are shrinking: El Paso County lost almost 12,000 residents aged 5 to 18 between 2020 and 2025, 6.6%, and the three largest districts had about 124,000 students in 2025-26, 13% fewer than seven years earlier (El Paso Matters). El Paso ISD lost almost 1,900 students in 2025-26 against a budgeted 1,000, ran a $52.8 million deficit, and on 4 June 2026 its board declared financial exigency to cut about 410 jobs, after which two trustees resigned; it has postponed a bond election to May 2027. Ysleta ISD adopted a budget that nearly empties its savings. The University of Texas at El Paso, an R1 research university, has 26,297 students, 85% of them Hispanic and half the first in their families to attend college, and calls itself the leading Hispanic-serving university in the country. El Paso Community College, with five campuses, enrolled 25,563 credit students in fall 2024, 81.7% of them Hispanic (EPCC Fact Book). Texas Tech Health El Paso trains doctors, nurses and dentists beside UMC.

Living there

El Paso is the only city this site compares on the Mexican border, the only one in the desert, and the only Texas city here on Mountain time, an hour behind the rest of the state, half of a metropolis whose larger half, Ciudad Juárez, is across the Rio Grande: 28.8 million people crossed into the US at its three ports in 2025. It is also the one Texas city here that is not growing. It lost 2,219 residents in 2024-25, the most of any city in the state, and has grown 0.6% since 2020, as births fall, fewer people move up from Mexico and young adults leave for better pay; household income, at $59,932, is the lowest of any city this site compares, and 20.8% of residents have no health insurance. Fort Bliss and the border agencies anchor the economy, with health care, trade and the schools. Its violent crime rate, 288 per 100,000 on the FBI's counts for 2025, is the lowest of any US city here, with 26 homicides. It is built for the car, with 0.9% of workers on a bus network that runs four Brio rapid lines and a free downtown streetcar. The climate is the driest and sunniest here, with 8.78 in of rain a year, and the hottest summers are recent ones: 70 days at 100F in 2023 and 108 straight days at 90F or above in 2026. The open questions are water and money: the Rio Grande reservoir that supplies nearly half the city's water fell to 1.4% of capacity in July 2026, a divided council raised the city's property tax rate in August, El Paso ISD declared financial exigency in June as enrollment falls, and the city is counting on Meta's data center, due to become its largest property taxpayer, to take some of the load off homeowners.

07: The trade-offs

Where each city wins, and where it loses

Both cities price in US dollars, so the figures net directly, though the headlines are different instruments. Boston's is Zillow's typical home value for the city, $791,816 in June 2026 and 1.3% below a year earlier. El Paso's is the Texas A&M Real Estate Research Center's median sale price for El Paso County, single-family homes, condominiums and townhouses together, $280,615 in August on 786 sales and 4.3% above a year earlier; no median for the City of El Paso alone could be found, and the city holds 78% of the county's people. On the same Zillow index, the like-for-like measure, Zillow's index for the City of El Paso stood at $238,475 in August, 2.2% above a year earlier, and Boston's typical home is about 3.3 times it. Boston's is 8.1 times its 2024 median household income of $97,791; El Paso County's median is about 4.7 times the city's $59,932, and Zillow's value 4.0 times. At 20% down, Boston's $633,453 loan at Freddie Mac's August 2026 rate of 6.66% costs $4,071 a month, and a $224,492 loan on El Paso County's median at 7.03%, the rate for 24 September, about $1,498. A Boston owner-occupier who files the residential exemption pays about $5,465 a year, 0.69% of the price, against $5,845 from El Paso's five taxing units, an effective 2.08% with a homestead. Insurance is $230 a month against $180, the El Paso figure an estimate between published averages of $2,280 and $2,520 a year, below the Texas average because the city is far from the Gulf, and with no flood policy in it. The three lines come to about $4,756 and $2,165, roughly 58% and 43% of local median income; at 7.03% Boston's would be about $4,913. Rent shows the same gap on the same measure: Zillow's observed rent index was $3,425 in Boston in June and $1,519 in El Paso in August, about 42% and 30% of median income.

The two cities' own figures are built differently, and counted either way El Paso has the lower rate on every line. Boston Police counted 3,409 Part One violent offenses between 1 January and 28 December 2025, about 507 per 100,000 on 672,973 residents, and 13,120 property offenses, about 1,950. El Paso's are the FBI's summarized counts for 2025: 1,969 violent offenses, about 288 per 100,000 on 683,012 residents, the lowest rate of any US city this site compares, and 9,152 property offenses, about 1,340, also the lowest. Boston's department counts below the FBI, so the fairer comparison is the FBI's 2024 counts for both. They gave Boston 4,138 violent offenses, about 628 per 100,000, and El Paso 2,170, about 317 on its 2024 population estimate; property offenses were about 2,022 and 1,495. So violent crime runs at about half Boston's rate in El Paso and property crime about a quarter lower. Homicide is closer: 26 in El Paso in 2025, about 3.8 per 100,000, against 31 in Boston, about 4.6, and both rose, El Paso's from 20 and Boston's from 24. The longer direction differs. Boston's violent and property counts are down over three years. El Paso's violent offenses dropped 9% in 2025 from a peak of 2,170 but are still 10% above 2021, and El Paso Matters found it was the only one of Texas's 25 largest law enforcement agencies to report more serious crime in 2025 than in 2021. Every rate here is a count divided by a Census estimate; Boston's counts are preliminary until UCR coding, and El Paso's, read on 30 September 2026, can still be revised.

El Paso has the mild, dry winter and Boston the cool summer. January averages 8.1 C at El Paso International, inside the city, against -1.2 C at Logan, and July 29.1 C against 23.4 C, though June has El Paso's hottest afternoons, before the monsoon arrives. Boston gets 1,107 mm of rain and snow a year, about five times El Paso's 223 mm, the least of any city this site compares, more than half of it from July through September. Snow is a season in Boston at 125 cm and an occasional event in El Paso at 7.1 cm. On the older 1961-1990 series El Paso had 3,763 hours of sun, the most of any city here, against Boston's 2,634. The hazards differ in kind. Boston's is the nor'easter at high tide: the bomb cyclone of 4 January 2018 pushed the tide gauge to a record 15.16 ft, and the city designs 47 miles of shoreline for 36 to 40 inches (91 to 102 cm) of sea level rise by 2070. El Paso's are heat, the flash flood and water. Its normals count 116.8 days a year at 90F or above and 26.5 at or above 37.8 C (100F); 2023 had a record 70 days of 100F, and 2026 had 108 days in a row at 90F or above, from 6 June to 21 September, the longest run on record. The monsoon comes in a few storms off the Franklin Mountains: from 27 July to 4 August 2006 the airport took 6.84 in (174 mm), the National Weather Service calls it the worst flooding in the area's recorded history, and the region's damage came to about $450 million. Nearly half the city's water comes from the Rio Grande by way of Elephant Butte Reservoir in New Mexico, which fell to 1.4% of capacity on 30 July 2026. An owner's utility premium over a renter is $210 a month in Boston, where the owner heats, against $140 in El Paso, where the owner cools.

Boston's labor market is more than seven times the size of El Paso's and pays far more; El Paso's grew a little faster over the last year. On the same unadjusted basis unemployment in July 2026 was 4.3% in greater Boston and 4.8% around El Paso. Boston's 2,747,200 nonfarm jobs in July were 0.3% more than a year earlier, and the El Paso metro's 363,500 in August 0.9% more. Boston's base is hospitals and universities: inside the city health care led employment at 68,674 jobs in 2024, then professional and technical services at 59,267 and education at 50,798. El Paso's is the Army and the border. Fort Bliss, home of the 1st Armored Division, had 41,527 direct employees in 2025, 30,288 of them on active duty, and the Texas Comptroller estimates it supports 121,220 Texas jobs; the Border Patrol's El Paso Sector and Customs and Border Protection are there too, and trade, transportation and utilities, much of it the traffic with Ciudad Juárez's export factories, is the metro's largest sector at 80,200 jobs. Where federal research money is Boston's exposure, federal employment around El Paso rose 3.0% on the year. Incomes favor Boston by a wide margin: $97,791 in the city in 2024 against $59,932, the lowest of any city this site compares, and $117,825 across its metro against $59,834. Income tax favors El Paso. Massachusetts charges 5% above a $4,400 personal exemption, so a single filer on $100,000 pays about $18,229 in Boston against $13,449 of federal tax alone in El Paso, and a 4% surtax above $1,083,150 of taxable income takes the top combined rate to 46% against 37%. Property tax runs the other way, $380 a year more on El Paso County's median than on Boston's typical home, and so does sales tax, 6.25% against 8.25%.

Transit is the widest gap between them. In 2024, 25.3% of Boston's workers commuted on the MBTA, 17.4% walked or cycled and only 31.3% drove alone; in El Paso 0.9% took transit, the second-lowest share of any city this site compares, 1.6% walked or cycled and 75.3% drove alone. The MBTA runs three heavy rail lines, the Green Line and the Mattapan trolley, about 150 bus routes, 12 commuter rail lines over 394 miles of track and 8 ferry routes, and carried 270,715,800 trips in 2025, about 44 times Sun Metro's 6,186,400. Sun Metro, a department of the City, runs 39 bus routes, four Brio rapid bus lines in mixed traffic with signal priority, and a fare-free streetcar on a 4.8-mile loop through downtown and UTEP. The Brio lines run less often than their branding suggests: every 15 minutes on Mesa at weekday peaks and 20 otherwise, and 20 to 35 minutes on the other three, so none runs every 15 minutes all day. Flying runs the same way. Logan, about three miles from downtown Boston across the harbor, handled 43.2 million passengers in 2025, about 11 times El Paso International's 3,838,968; El Paso's airport, about 7 miles from downtown, is no airline's hub. The clocks differ too: El Paso keeps Mountain time, two hours behind Boston.

The two states sit at opposite ends of the coverage table. Massachusetts had the lowest uninsured rate in the country in 2024, 2.8%, from its own 2006 coverage law and MassHealth; Texas had the highest of any state, 16.7%, and is one of ten that have not expanded Medicaid, and the City of El Paso's rate was 20.8%. Mass General and Brigham and Women's are both on the U.S. News 2026-2027 honor roll. El Paso's public hospital is University Medical Center of El Paso, run by the county hospital district, the region's only Level I trauma center with 394 licensed beds; it is the teaching hospital of Texas Tech Health El Paso, whose Paul L. Foster School of Medicine was the first four-year medical school on the US-Mexico border, and the Army's William Beaumont Army Medical Center at Fort Bliss runs the emergency department for Northeast El Paso. The hospital district has budgeted $136 million of uncompensated care for fiscal 2027. Neither profile verified a wait time for care. The schools are shrinking in both. Boston Public Schools, one district, enrolled 44,416 in 2025-26, 3.6% fewer than a year earlier, and a choice application rather than an address settles assignment. El Paso is split among El Paso, Ysleta, Socorro and Canutillo ISDs; the three largest had about 124,000 students in 2025-26, 13% fewer than seven years earlier, and El Paso ISD declared financial exigency on 4 June 2026 to cut about 410 jobs. Boston University counted 37,737 students in fall 2024, with Harvard and MIT across the Charles; UTEP, an R1 research university, has 26,297, 85% of them Hispanic.

What people underestimate is how differently the two property taxes are built, and that neither city is growing. Boston's residential exemption takes $351,108 off the assessed value, worth about $4,354 a year at the fiscal 2026 rate of $12.40 per $1,000; it has to be filed by 1 April by an owner who lived there on the previous 1 January, and without it the benchmark bill is about $9,819. El Paso's homestead exemptions are smaller than most Texas cities grant. El Paso ISD takes the state's $140,000 off, but El Paso County and the City take a flat $5,000 each rather than 20%, and El Paso Community College and University Medical Center of El Paso take nothing off at all, so the five units, 2.643693 per $100 before exemptions and the highest of the Texas cities here, come to $5,845 on the county median with a homestead and $7,419 without one. Massachusetts reassesses at full value every year, with no cap and no reset on a sale, so a Boston seller's bill is a fair guide to yours. Texas caps a homestead's appraised value at 10% growth a year, but a buyer starts at full value, so an El Paso seller's is not. The address matters more in El Paso: the $5,845 is for a house inside the City and El Paso ISD, which holds under half the city's residents; in Ysleta ISD the same house pays $5,339 and in Socorro ISD $5,645, and the new subdivisions of Paseo del Este, east of Loop 375 and outside the limits, sit in municipal utility districts levying 0.6237 to 0.8018 per $100 on top. The rate is rising: on 18 August 2026 a divided council adopted 79.8 cents per $100 for the City's line for 2026, up from the 75.9649 cents in these 2025 figures. And neither city is growing. Boston is the only city on this site with fewer people than in 2020, and El Paso, 0.6% larger than in 2020, lost 2,219 residents in 2024-25, the largest loss of any Texas city.

Boston

Better here

  • 25.3% of workers commuted on the MBTA in 2024 and only 31.3% drove alone, against 0.9% on transit and 75.3% driving alone in El Paso.
  • Massachusetts had the country's lowest uninsured rate in 2024 at 2.8%, against 16.7% in Texas, the highest of any state, and 20.8% in the City of El Paso.
  • City median household income was $97,791 in 2024 against $59,932, and the metro figure $117,825 against $59,834.
  • July averages 23.4 C on the 1991-2020 normals against 29.1 C in El Paso, where the same normals count 26.5 days a year at or above 37.8 C (100F).
  • Logan handled 43.2 million passengers in 2025, about 11 times El Paso International's 3,838,968, and sits about three miles from downtown.
  • Mass General and Brigham and Women's are both on the U.S. News 2026-2027 honor roll, and sales tax is 6.25% against 8.25%.

Worse here

  • Mortgage, property tax and insurance come to about $4,756 a month at August 2026's 6.66%, and about $4,913 at El Paso's 7.03%, against $2,165, before condominium fees and heat.
  • Zillow's typical Boston home was $791,816 in June 2026, and Zillow's index for the City of El Paso stood at $238,475 in August, on the same index.
  • Zillow's observed rent index was $3,425 in June 2026 against $1,519 in El Paso in August.
  • Massachusetts income tax took about $4,780 from a single filer on $100,000 in 2025, which Texas does not charge, and the surtax takes the top combined rate to 46% against 37%.
  • Violent crime ran about 507 per 100,000 in 2025 on the department's own count against 288 in El Paso, and about 628 against 317 on the FBI's 2024 counts for both.
  • January averages -1.2 C on a 125 cm snow normal, and the owner's utility premium is $210 a month against $140 in El Paso.

Choose Boston if

  • you would use the MBTA daily and want to live without a car
  • you work in a teaching hospital, a university lab, life sciences or asset management
  • you want coverage in the state with the country's lowest uninsured rate rather than the highest
  • you want the pay to match the prices, at a city median household income of $97,791 rather than $59,932

The Boston guide · Neighborhoods · Boston rent vs buy · Boston mortgage calculator

El Paso

Better here

  • Mortgage, property tax and insurance come to about $2,165 a month on El Paso County's median of August 2026, against about $4,913 in Boston at the same 7.03% rate.
  • Violent crime was about 288 per 100,000 in 2025 on the FBI's counts, the lowest of any US city this site compares, against Boston's own count of about 507, and about 317 against 628 on the FBI's 2024 counts for both.
  • There were 26 homicides in 2025, about 3.8 per 100,000, against 31 and about 4.6 in Boston, and property crime was about 1,340 per 100,000 against 1,950.
  • Texas levies no income tax, so $100,000 pays $13,449 in federal tax for 2025 against about $18,229 in Boston.
  • January averages 8.1 C with 7.1 cm of snow a year on the 1991-2020 normals, against -1.2 C and 125 cm in Boston, and the older series gives 3,763 hours of sun, the most of any city here.
  • Nonfarm jobs grew 0.9% in the year to August 2026, against 0.3% around Boston in the year to July, and federal employment rose 3.0%.

Worse here

  • City median household income was $59,932 in 2024, the lowest of any city this site compares, so the cheaper house still takes about 43% of it.
  • Texas had the highest uninsured rate of any state in 2024, 16.7%, and the City of El Paso's was 20.8%, against 2.8% in Massachusetts.
  • The five taxing units take $5,845 a year on the county median with a homestead, an effective 2.08% and $380 more than Boston's bill on a house about a third the price, and $7,419 without one.
  • Only 0.9% of workers commuted by transit in 2024, and no Brio line runs every 15 minutes all day.
  • The normals count 116.8 days a year at 90F or above, 2026 had 108 in a row, and Elephant Butte Reservoir, the source of nearly half the city's water, fell to 1.4% of capacity in July 2026.
  • El Paso International handled 3,838,968 passengers in 2025 and is no airline's hub, and El Paso ISD declared financial exigency in June 2026 as enrollment fell.

Choose El Paso if

  • you want to own a house, at about $2,165 a month on El Paso County's median rather than $4,913 on Boston's typical home at the same rate
  • you work for the Army at Fort Bliss, for a federal border agency, or in cross-border trade and logistics
  • you want the lower crime rate on every count available
  • you will drive anyway and would rather have an 8.1 C January and 223 mm of rain than 125 cm of snow

The El Paso guide · Neighborhoods · El Paso rent vs buy · El Paso mortgage calculator

08: Questions people ask

Boston or El Paso, in short

Is Boston or El Paso cheaper to live in?

El Paso, on every line but property tax and sales tax. Both cities price in US dollars, so the figures net directly. On Zillow's index Boston's typical home was $791,816 in June 2026, and Zillow's index for the City of El Paso stood at $238,475 in August; El Paso's headline, the Texas A&M Real Estate Research Center's median sale price for El Paso County, was $280,615. The mortgage at 20% down is $4,071 against about $1,498, though Boston's uses August's 6.66% rate and El Paso's September's 7.03%. Property tax is about $5,465 a year in Boston with the residential exemption against $5,845 with a homestead, and insurance $230 a month against $180, so the three lines come to about $4,756 in Boston and $2,165 in El Paso, or about $4,913 in Boston at the same 7.03%. Against pay the gap narrows: that is roughly 58% and 43% of each city's median household income, $97,791 and $59,932. Renting on Zillow's observed rent index is $3,425 in Boston against $1,519 in El Paso, about 42% and 30% of median income. Massachusetts also takes about $4,780 in income tax on $100,000 that Texas does not, while sales tax is 6.25% against 8.25%.

Is Boston or El Paso safer?

El Paso, on every count available. Boston Police counted about 507 violent offenses per 100,000 in 2025 against about 288 on the FBI's count for El Paso, and the department's count runs below the FBI's: on the FBI's 2024 counts the two were about 628 in Boston and about 317 in El Paso. Property crime was about 1,340 per 100,000 in El Paso in 2025 against about 1,950 in Boston, and about 1,495 against 2,022 in 2024. Homicide was 26 in El Paso, about 3.8 per 100,000, against 31 in Boston, about 4.6, and both rose in 2025, from 20 and 24. El Paso's violent offenses fell 9% in 2025 but remain 10% above 2021. None of these are published rates, Boston's counts are preliminary until UCR coding, and El Paso's, read on 30 September 2026, can still be revised.

Which has the better job market, Boston or El Paso?

Boston's, on size and pay; El Paso's grew a little faster over the last year. In July 2026, on the same unadjusted basis, unemployment was 4.3% in greater Boston and 4.8% around El Paso. Boston's 2,747,200 nonfarm jobs in July were 0.3% more than a year earlier, and El Paso's 363,500 in August 0.9% more. Boston's metro median household income was $117,825 in 2024 against $59,834 around El Paso, and its city's $97,791 against $59,932. The two lean on federal money in different ways. Boston's base is health care, professional services and education, which ties it to federal research funding and international students. El Paso's is the Army and the border: Fort Bliss's 41,527 direct employees, the federal border agencies, and trade, transportation and utilities, the metro's largest sector at 80,200 jobs, much of it with Ciudad Juárez; federal employment around El Paso rose 3.0% in the year to August 2026.

Does Texas having no income tax make El Paso cheaper than Boston?

Yes, though El Paso's property tax takes a little of it back. A single filer on $100,000 pays about $18,229 in Boston for 2025, $4,780 of it to Massachusetts at 5% above a $4,400 personal exemption, against $13,449 of federal tax alone in El Paso. Texas collects through property instead, and here that takes back only a small part: El Paso's five taxing units take $5,845 a year on El Paso County's median with a homestead, an effective 2.08%, against about $5,465 on Boston's typical home with the residential exemption, 0.69%. El Paso's rate is three times Boston's and its bill $380 larger on a house about a third the price. Even at El Paso's median household income of $59,932, Massachusetts would take about $2,777, well above that $380. The City of El Paso has raised its own rate for 2026 to 79.8 cents per $100, which the 2025 figures here do not include. The 4% Massachusetts surtax above $1,083,150 of taxable income widens the gap for the highest earners. Sales tax runs the other way, 6.25% against 8.25%.

Sources

Where the figures come from

Housing figures are the ones behind each city's calculators, dated on those pages. The rest are listed here with the date they were retrieved. See the methodology for how facts, estimates and opinion are kept apart.

  1. Boston, MA Population (2025), citing US Census Bureau PEP Vintage 2025 · Every City in the USA (compiling US Census Bureau) · retrieved
    Supports: City population, Five-year growth
  2. Resident Population in Boston-Cambridge-Newton, MA-NH (MSA), BOSPOP · FRED, Federal Reserve Bank of St. Louis (US Census Bureau data) · retrieved
    Supports: Metro population, Five-year growth
  3. Boston (2020 census count and land area) · Wikipedia · retrieved
    Supports: City population, Five-year growth
  4. Part One Crime Reported, citywide by offence and district, 1/1/2024 to 12/28/2024 vs 1/1/2025 to 12/28/2025 · Boston Police Department · retrieved
    Supports: Violent crime rate, Property crime rate, Homicides, Crime trend
  5. Part One Crime Reported, citywide by offence and district, 1/1/2023 to 12/29/2023 vs 1/1/2024 to 12/29/2024 · Boston Police Department · retrieved
    Supports: Crime trend
  6. Crime Stats · Boston Police Department · retrieved
    Supports: Crime trend
  7. Boston's yearly homicide rate increases 30%, from 24 killings to 31 · Boston.com · retrieved
    Supports: Homicides, Crime trend
  8. Boston leaders tout the city's low crime rate in 2025 · The Boston Globe · retrieved
    Supports: Homicides, Crime trend
  9. Boston, MA Crime Rates: Stats & Map (FBI UCR 2024 data, released September 2025) · AreaVibes · retrieved
    Supports: Violent crime rate, Property crime rate, Crime trend
  10. US Climate Normals 1991-2020, station USW00014739 Boston Logan International Airport (Access Data Service) · NOAA National Centers for Environmental Information · retrieved
    Supports: January mean, July mean, Annual precipitation, Annual snowfall, Climate normals
  11. Average Annual Sunshine in US Cities · Current Results (NCDC Comparative Climatic Data, 1961-1990) · retrieved
    Supports: Sunshine hours
  12. USA: Storm and High Tide Cause Coastal Flooding in North East · FloodList · retrieved
    Supports: Climate hazards
  13. Climate Ready East Boston (case study) · American Society of Landscape Architects · retrieved
    Supports: Climate hazards
  14. Coastal Resilience Planning · City of Boston · retrieved
    Supports: Climate hazards
  15. Coastal Resilience Implementation · City of Boston · retrieved
    Supports: Climate hazards, Character
  16. ACS 2024 1-year tables B08301 and B19013 for Boston city and the Boston-Cambridge-Newton MSA · Census Reporter API (US Census Bureau ACS) · retrieved
    Supports: Median household income, Transit commute share, Walk and cycle commute share
  17. Boston, MA profile, ACS 2024 1-year · Census Reporter (US Census Bureau ACS) · retrieved
    Supports: Walk and cycle commute share, Median household income
  18. ACS 2024 1-year tables B25035 and B25003 for Boston city · Census Reporter API (US Census Bureau ACS) · retrieved
    Supports: Character
  19. Unemployment Rate in Boston-Cambridge-Newton, MA-NH (MSA), LAUMT251446000000003 · FRED, Federal Reserve Bank of St. Louis (BLS LAUS data) · retrieved
    Supports: Unemployment rate
  20. All Employees: Total Nonfarm in Boston-Cambridge-Newton, MA-NH (MSA), SMS25144600000000001 · FRED, Federal Reserve Bank of St. Louis (BLS CES data) · retrieved
    Supports: Labour market
  21. Boston, MA · Data USA (Census ACS) · retrieved
    Supports: Main sectors, Labour market
  22. Massachusetts Tax Rates & Rankings (2026) · Tax Foundation · retrieved
    Supports: Sales tax, Top marginal income tax
  23. 2025 Tax Brackets · Tax Foundation · retrieved
    Supports: Top marginal income tax, Income tax on $100,000
  24. What is Massachusetts Income Tax? Rates & Tax Brackets · TaxAct · retrieved
    Supports: Income tax on $100,000
  25. Massachusetts Millionaire Surtax 2026, citing Department of Revenue certified thresholds · Morkel Financial · retrieved
    Supports: Top marginal income tax
  26. Don't Call it the 'Millionaires' Tax: Inflation is Raising the Bar on Who Pays Massachusetts' High-earner Levy · Massachusetts High Technology Council · retrieved
    Supports: Top marginal income tax
  27. Massachusetts State Taxes: What You'll Pay in 2026 · AARP · retrieved
    Supports: Tax notes, Top marginal income tax
  28. Residential exemption · City of Boston Assessing Department · retrieved
    Supports: Tax notes
  29. Massachusetts Bay Transportation Authority (citing the APTA ridership report and MBTA figures) · Wikipedia · retrieved
    Supports: Transit system, Transit ridership
  30. MBTA Sees Over 29 Million Trips in 2025, citing the MBTA and Keolis TRACKed year-in-review · American-Rails.com · retrieved
    Supports: Transit ridership
  31. 2025 Year in Review · Massport · retrieved
    Supports: Airport passengers
  32. Explore Uninsured in Massachusetts (US Census Bureau ACS 1-year 2024) · America's Health Rankings, United Health Foundation · retrieved
    Supports: Health care
  33. Mass General Brigham Hospitals Named Among Nation's Best by U.S. News & World Report (2026-2027 rankings) · Mass General Brigham · retrieved
    Supports: Health care
  34. Enrollment Data (2025-26), Boston (00350000) · Massachusetts Department of Elementary and Secondary Education · retrieved
    Supports: Education
  35. Enrollment Data (2024-25), Boston (00350000) · Massachusetts Department of Elementary and Secondary Education · retrieved
    Supports: Education
  36. Enrollment Data (2023-24), Boston (00350000) · Massachusetts Department of Elementary and Secondary Education · retrieved
    Supports: Education
  37. Exam Schools Admissions FAQs · Boston Public Schools · retrieved
    Supports: Education
  38. Boston School Committee approves changes to exam school admissions · WBUR · retrieved
    Supports: Education
  39. Common Data Set 2024-2025, section B: Enrollment and Persistence (Fall 2024) · Boston University, Analytical Services & Institutional Research · retrieved
    Supports: Education
  40. Annual Estimates of the Resident Population for Incorporated Places in Texas: April 1, 2020 to July 1, 2025 (SUB-EST2025) · US Census Bureau · retrieved
    Supports: City population, Five-year growth, Violent crime rate, Property crime rate, Homicides, Character
  41. Annual Estimates of the Resident Population for Incorporated Places of 50,000 or More (all states, SUB-EST2025) · US Census Bureau · retrieved
    Supports: City population, Five-year growth, Character
  42. Annual Resident Population Estimates and Components of Change for Metropolitan and Micropolitan Statistical Areas and Their Counties: April 1, 2020 to July 1, 2025 (CBSA-EST2025-ALLDATA) · US Census Bureau · retrieved
    Supports: Metro population, Five-year growth, Character
  43. El Paso city population drops by 2,209 in 2025, largest decline in Texas, new census estimates show · El Paso Matters · retrieved
    Supports: Five-year growth, Median household income, Character
  44. Ciudad Juárez (2020 Mexican census population, ports of entry, maquiladoras) · Wikipedia · retrieved
    Supports: City population, Metro population, Main sectors, Character
  45. Crime Data Explorer summarized agency data, El Paso Police Department (TX0710200): violent crime, property crime, homicide, rape, robbery, aggravated assault, burglary, larceny, motor vehicle theft and arson, 2021-2025 · FBI · retrieved
    Supports: Violent crime rate, Property crime rate, Homicides, Crime trend, Character
  46. El Paso police, sheriff report decline in serious crime in 2025 · El Paso Matters · retrieved
    Supports: Violent crime rate, Homicides, Crime trend, Character
  47. US Climate Normals 1991-2020, station USW00023044 El Paso International Airport (Access Data Service) · NOAA National Centers for Environmental Information · retrieved
    Supports: January mean, July mean, Annual precipitation, Annual snowfall, Climate normals, Climate hazards, Character, January 46.5F, June 83.9F, July 84.4F and December 46.1F and the monthly highs, lows, rain and snow from the monthly series, and annual mean 66.2F, precipitation 8.78 in, snowfall 2.8 in and the counts of days at 90F and 100F and nights at freezing from dataset=normals-annualseasonal-1991-2020 for the same station
  48. Global Historical Climatology Network daily summaries, El Paso International Airport (USW00023044), 1938-2026 · NOAA National Centers for Environmental Information · retrieved
    Supports: Climate hazards, Character, 116.8 and 26.5 are the normals; from the daily series: 70 days at or above 100F in 2023 and 44 in a row from 16 June to 29 July 2023, 62 in 1994, 57 in 2020, 52 in 2026 through 27 September, 108 days in a row at or above 90F from 6 June to 21 September 2026 against 106 in 2015, 114F on 30 June 1994, 6.84 in from 27 July to 4 August 2006 and 2.84 in on 1 August 2006, 15.01 in from July to September 2006, 3.2 in of snow on 14 February 2021 and 14F on 14 and 15 February 2021, 15F high on 2 February 2011 and 1F on 3 February 2011, -8F on 11 January 1962
  49. Average Annual Days of Sunshine and Percent of Possible Sunshine, Texas · Current Results (NCDC Comparative Climatic Data) · retrieved
    Supports: Sunshine hours, Climate normals
  50. El Paso, Texas (climate table: monthly sunshine hours 1961-1990 from NOAA; flooding, dust storms, February 2011 cold; school districts) · Wikipedia · retrieved
    Supports: Sunshine hours, Climate normals, Climate hazards, Education, Main sectors, character.note (El Paso is in the Mountain Time Zone, UTC-07:00)
  51. Meteorological Aspects of the 2006 El Paso Texas Metropolitan Area Floods (National Weather Digest, August 2009) · NOAA National Weather Service, El Paso/Santa Teresa · retrieved
    Supports: Climate hazards, Character
  52. Stormwater · El Paso Water · retrieved
    Supports: Climate hazards
  53. Major Wind Storm Strikes Western Texas and Southern New Mexico (8 December 2009) · NOAA National Weather Service, El Paso/Santa Teresa · retrieved
    Supports: Climate hazards
  54. Intense Cold Wave of February 2011 · NOAA National Weather Service, El Paso/Santa Teresa · retrieved
    Supports: Climate hazards
  55. Water Resources · El Paso Water · retrieved
    Supports: Climate hazards
  56. Rio Grande and Elephant Butte · El Paso Water · retrieved
    Supports: Climate hazards, Character
  57. Desalination (Kay Bailey Hutchison Desalination Plant) · El Paso Water · retrieved
    Supports: Climate hazards, Character
  58. Pure Water Center · El Paso Water · retrieved
    Supports: Climate hazards, Character
  59. Elephant Butte Lake, estimated daily storage (Water Data for Texas) · Texas Water Development Board · retrieved
    Supports: Climate hazards, Character, 2.4% of conservation capacity (46,717 acre-feet) on 30 September 2026, a 2026 low of 26,777 acre-feet (1.4%) on 30 July, the least since October 1971, 2.9% in July 2013
  60. El Paso ends historic hot summer with longest streak of 90-degree days · El Paso Matters · retrieved
    Supports: Climate hazards, Character
  61. February 2021 Winter Storm-Related Deaths, Texas (mortality surveillance report) · Texas Department of State Health Services · retrieved
    Supports: Climate hazards
  62. El Paso Electric (service area, generation, customers) · Wikipedia · retrieved
    Supports: Climate hazards
  63. Frigid temperatures sweep into El Paso: What to expect, how to prepare · El Paso Matters · retrieved
    Supports: Climate hazards
  64. ACS 2024 1-year tables B08301 and B19013 for El Paso city, El Paso County and the El Paso MSA · Census Reporter API (US Census Bureau ACS) · retrieved
    Supports: Median household income, Transit commute share, Walk and cycle commute share, Character
  65. ACS 2024 1-year table B27001 (health insurance coverage) for the 50 states, DC, El Paso County, El Paso city and the El Paso MSA, and for the US · Census Reporter API (US Census Bureau ACS) · retrieved
    Supports: Health care, Character
  66. Local Area Unemployment Statistics, El Paso, TX MSA (LAUMT482134000000003), El Paso city (LAUCT482400000000003), El Paso County (LAUCN481410000000003), the Houston, San Antonio and Dallas-Fort Worth MSAs and the US rate (LNU04000000), not seasonally adjusted · US Bureau of Labor Statistics · retrieved
    Supports: Unemployment rate
  67. Current Employment Statistics, El Paso, TX MSA: total nonfarm (SMU48213400000000001, SMS48213400000000001), supersectors (SMU482134xx00000001) and federal, state and local government (SMU4821340909x000001) · US Bureau of Labor Statistics · retrieved
    Supports: Main sectors, Labour market
  68. Fort Bliss (Texas military installations economic impact, 2025) · Texas Comptroller of Public Accounts · retrieved
    Supports: Main sectors, Labour market, Character
  69. Fort Bliss (size, FORSCOM, 1st Armored Division) · Wikipedia · retrieved
    Supports: Main sectors
  70. Border Crossing Entry Data (El Paso, Ysleta and Tornillo ports and all US-Mexico ports, 2024 and 2025) · US Bureau of Transportation Statistics · retrieved
    Supports: Main sectors, Labour market, Character
  71. Meta data center expected to become city of El Paso's largest property taxpayer · El Paso Matters · retrieved
    Supports: Labour market, Character
  72. Meta-Abbott agreement on data center guidelines appears to have no effect on El Paso plans · El Paso Matters · retrieved
    Supports: Labour market, Climate hazards
  73. City Sales and Use Tax (city rate table) · Texas Comptroller of Public Accounts · retrieved
    Supports: Sales tax
  74. Transit Sales and Use Tax (El Paso CTD, effective April 1, 1988) · Texas Comptroller of Public Accounts · retrieved
    Supports: Sales tax, Transit ridership
  75. County Sales and Use Tax (El Paso County, effective January 1, 1988) · Texas Comptroller of Public Accounts · retrieved
    Supports: Sales tax
  76. Texas Tax Rates & Rankings · Tax Foundation · retrieved
    Supports: Top marginal income tax, Income tax on $100,000, Tax notes, Character
  77. 2026 Tax Brackets and Federal Income Tax Rates · Tax Foundation · retrieved
    Supports: Top marginal income tax, Income tax on $100,000
  78. Property Tax Exemptions · Texas Comptroller of Public Accounts · retrieved
    Supports: Tax notes
  79. After hours of tense debate, divided El Paso City Council adopts budget, raises taxes · El Paso Matters · retrieved
    Supports: Tax notes, Character
  80. Highest tax rates, lowest tax bills: The complicated reality of El Paso property taxes · El Paso Matters · retrieved
    Supports: Tax notes, Character
  81. El Paso County Hospital District budgets pay raises, rise in uncompensated care · El Paso Matters · retrieved
    Supports: Tax notes, Health care
  82. Sun Metro (routes, fleet, service area, Brio, streetcar, citing the APTA Transit Ridership Reports, Q4 2025 and Q2 2026) · Wikipedia · retrieved
    Supports: Transit system, Transit ridership
  83. Template:American transit ridership (APTA Transit Ridership Reports, Q4 2025 and Q2 2026) · Wikipedia · retrieved
    Supports: Transit ridership, Character
  84. Brio routes (Alameda, Dyer, Mesa and Montana corridors) · Sun Metro · retrieved
    Supports: Transit system, Transit ridership
  85. Sun Metro Brio (opening dates, frequency) · Wikipedia · retrieved
    Supports: Transit system, Transit ridership
  86. About Streetcars (hours, frequency, fare, track, stops) · Sun Metro · retrieved
    Supports: Transit system, Transit ridership
  87. El Paso Streetcar (opening, PCC cars, international line) · Wikipedia · retrieved
    Supports: Transit system, Transit ridership
  88. Fares & Passes · Sun Metro · retrieved
    Supports: Transit ridership
  89. December 2025 Aviation Activity Report (calendar year 2025 vs 2024) · El Paso International Airport, City of El Paso Department of Aviation · retrieved
    Supports: Airport passengers
  90. El Paso International Airport (location, 2026 airspace closure) · Wikipedia · retrieved
    Supports: Airport passengers, Climate normals
  91. Status of State Medicaid Expansion Decisions · KFF · retrieved
    Supports: Health care
  92. About Us (FY 2024 vitals) · University Medical Center of El Paso · retrieved
    Supports: Health care, Character
  93. New UMC CEO to lead hospital through growth, voter-approved bond projects · El Paso Matters · retrieved
    Supports: Health care
  94. About Texas Tech Health El Paso · Texas Tech Health El Paso · retrieved
    Supports: Health care, Education
  95. Texas Tech University Health Sciences Center El Paso (independence, schools, first four-year medical school on the border) · Wikipedia · retrieved
    Supports: Health care
  96. William Beaumont Army Medical Center · Wikipedia · retrieved
    Supports: Health care
  97. El Paso County lost nearly 12,000 school-age children since 2020, census estimates show · El Paso Matters · retrieved
    Supports: Education, Character
  98. Hundreds of El Paso teachers leave classrooms as enrollment decline reshapes area schools, workforce · El Paso Matters · retrieved
    Supports: Education
  99. 6 things to know: How EPISD is handling a financial crisis · El Paso Matters · retrieved
    Supports: Education, Character
  100. EPISD board members Daniel Call and Valerie Beals announce resignations · El Paso Matters · retrieved
    Supports: Education
  101. El Paso ISD trustees postpone bond election until May 2027 · El Paso Matters · retrieved
    Supports: Education
  102. Ysleta ISD nearly depletes savings under adopted budget, avoids layoffs for now · El Paso Matters · retrieved
    Supports: Education
  103. About UTEP (by the numbers) · The University of Texas at El Paso · retrieved
    Supports: Education, Character
  104. University of Texas at El Paso (R1 classification) · Wikipedia · retrieved
    Supports: Education
  105. Fact Book, Fall 2024 · El Paso Community College · retrieved
    Supports: Education
  106. Route 205 Mesa Brio, 206 Alameda Brio, 207 Dyer Brio and 208 Montana Brio schedules (current) · Sun Metro · retrieved
    Supports: Transit system
  107. Tax Rates by Class, fiscal year 2026 · Massachusetts Department of Revenue, Division of Local Services, Municipal Databank · retrieved
    Supports: The certified fiscal 2026 residential rate for each of the twenty-four municipalities, from Cambridge at $6.67 to Everett at $12.62, The commercial, industrial and personal property rate behind each of them, which gives the classification shift, That Arlington and Belmont charge a single rate to all classes, That fiscal 2026 is the most recent fully certified year: at the retrieval date only two of the state's 352 municipalities had a fiscal 2027 rate on the table
  108. City of Somerville FY2026 Classification Hearing, 25 November 2025, and the FY2026 Property Tax Update · Somerville Board of Assessors · retrieved
    Supports: A residential exemption of 35% of average assessed value adopted for fiscal 2026, yielding savings of up to $4,578, A minimum residential factor of 82.816, the legal minimum for the city, Form LA-4 parcel counts and assessed values by use code, from which the average Class One value of about $1,191,000 follows, That Somerville carries 7,251 condominium parcels against 2,315 single-family parcels, That life science property in this market depreciated about 20% between fiscal 2025 and fiscal 2026
  109. City Council meeting minutes, 28 October 2025: adoption of a residential exemption and minimum residential factor for fiscal 2026 · City of Malden · retrieved
    Supports: A unanimous vote to adopt a residential factor of 0.9054 and a residential exemption of 35%, raised from 30%, The council's own statement on the record that the increase is a tax shift benefiting owner-occupied households and not a tax cut, and that the shift is budget neutral, Average fiscal 2026 values of $449,000 for a condominium, $666,000 for a single family, $861,000 for a two-family and $991,000 for a three-family, That the increase from 30% to 35% is worth about $291 a year, from which the $178,684 exemption value here is derived, A Proposition 2 1/2 override under discussion for fiscal 2027 at $5.4 million and $8.2 million
  110. Residential exemption information for fiscal year 2026 · City of Chelsea Board of Assessors · retrieved
    Supports: An exemption of 35% of the average assessed value of all Class One residential parcels, $279,066 of assessed value excluded for fiscal 2026, worth $3,203.68 at the city's $11.48 rate, The 1 April 2026 filing deadline and the 1 January ownership and occupancy test
  111. Residential exemption information, fiscal year 2026 · City known as the Town of Watertown, Assessing Department · retrieved
    Supports: The maximum 35% exemption recommended by the assessors and adopted by the council for fiscal 2026, $324,715 of assessed value excluded, worth $3,961.52 at the town's $12.20 rate
  112. Residential exemptions · Town of Brookline Assessors · retrieved
    Supports: $354,974 deducted from a qualified owner-occupier's assessed value for fiscal 2026, That the exemption may be not more than 35% of the average assessed value of all Class One residential parcels and that the amount changes each year
  113. Assessor's Department: the residential exemption · City of Waltham · retrieved
    Supports: $317,643 of assessed value removed from an owner-occupied residence of up to three units for fiscal 2026, The maximum 35% exemption continued by the city council, The 1 January 2025 ownership and occupancy test for the fiscal 2026 year
  114. Assessor's office: owner-occupant residential exemption, fiscal year 2026 · City of Everett · retrieved
    Supports: $204,651 of taxable value removed from an owner-occupied parcel, worth $2,582.70 at the city's $12.62 rate
  115. Residential exemption and fiscal 2026 tax rates · City of Cambridge Assessing Department · retrieved
    Supports: A 30% residential exemption for fiscal 2026, $510,208 of assessed value, worth about $3,403, A residential rate of $6.67 per $1,000 set by the city council on 20 October 2025, the lowest in the Commonwealth
  116. Zillow Home Value Index (ZHVI), mid-tier, smoothed and seasonally adjusted: city files for all homes, single family and condominium, June 2026 · Zillow Research · retrieved
    Supports: A typical home value for each municipality, computed on one method across all twenty-four, The same series and month the Charlotte, Orlando, Palm Beach, Miami and Tampa Bay pages use, A separate single-family and condominium index for every one of these municipalities, Year-over-year change to June 2026, which is negative in three of the twenty-four
  117. Fiscal Year 2026 Fair Market Rents: Boston-Cambridge-Quincy, MA-NH HUD Metro FMR Area · United States Department of Housing and Urban Development · retrieved
    Supports: $2,476 for one bedroom, $2,941 for two and $3,526 for three, The ratios this layer uses to split the Zillow rent index by bedroom count, which differ from the Florida layers'
  118. Annual estimates of the resident population for minor civil divisions, 2020 to 2024 · United States Census Bureau, Population Estimates Program · retrieved
    Supports: 2020 census counts and 2024 estimates for each municipality, at summary level 061, That in New England the municipality is the minor civil division, so 061 rather than the place level is the right series and all 351 Massachusetts municipalities appear in it, Boston at 673,458 and Cambridge at 121,186; Belmont at 27,442 as the smallest here, Weymouth at 60,159, which would rank eleventh on this table and is outside the eleven-mile rule by three tenths of a mile
  119. Primary Mortgage Market Survey, 27 August 2026 · Freddie Mac · retrieved
    Supports: A 30-year fixed-rate mortgage averaging 6.66%
  120. Average home insurance cost in Massachusetts, 2026 · MoneyGeek and Insurance.com, on carrier rate filings · retrieved
    Supports: A Massachusetts average between roughly $1,500 and $1,900 a year against a national average near $2,800, Coastal communities running roughly a third to two thirds above the state mean, Wind and hurricane deductibles on coastal policies of 1% to 5% of dwelling value rather than a flat amount
  121. Chapter 59, Section 5C: residential exemption · Massachusetts General Laws · retrieved
    Supports: A local option exemption of not more than 35% of the average assessed value of all Class One residential parcels, The exemption applies only to a parcel that is the principal residence of the taxpayer as of 1 January, The percentage is voted annually by the municipality
  122. Chapter 59, Section 21C: Proposition 2 1/2 · Massachusetts General Laws · retrieved
    Supports: A levy ceiling of 2.5% of the total full and fair cash value of taxable property, A levy limit that may grow 2.5% a year plus certified new growth, Overrides and debt exclusions as the two ways a municipality exceeds the limit, That the cap is on the levy and not on the tax rate
  123. Chapter 59, Section 38: valuation at full and fair cash value · Massachusetts General Laws · retrieved
    Supports: Assessment at full and fair cash value, re-set annually rather than frozen at a base year, No purchase reset and no growth cap on an assessment, so a seller's bill is a fair guide to a buyer's
  124. Chapter 40, Section 56: classification and the minimum residential factor · Massachusetts General Laws · retrieved
    Supports: The power to shift part of the levy onto commercial, industrial and personal property, A ceiling of 175% of the commercial share, subject to a minimum residential factor, That the published residential rate is therefore an output of a local vote rather than a measure of what a town spends
  125. Chapter 64D, Section 1: excise upon deeds, instruments and writings · Massachusetts General Laws · retrieved
    Supports: $2.28 for each $500 of consideration, which is $4.56 per $1,000 or 0.456%, The excise falls on the person making the deed, so it is the seller's by statute, The Barnstable County rate of $2.85 per $500, which no municipality in this layer pays
  126. Chapter 40P: the Massachusetts Rent Control Prohibition Act · Massachusetts General Laws · retrieved
    Supports: No city or town may enact or enforce any control on the rent of residential property, Enacted by the 1994 ballot initiative and effective 1 January 1995, The voiding of the then-existing ordinances in Boston, Cambridge and Brookline
  127. Chapter 188: the declaration of homestead · Massachusetts General Laws · retrieved
    Supports: Protection of up to $500,000 of equity in a principal residence from most creditors on a declared homestead, and $125,000 automatically, That this is a creditor protection and not a property tax exemption, which is the confusion the caveat in lib/housing/massachusetts.ts exists to prevent
  128. Real Estate Bar Association for Massachusetts v. National Real Estate Information Services, 459 Mass. 512 · Supreme Judicial Court of Massachusetts · retrieved
    Supports: That conducting a residential real estate closing in Massachusetts is the practice of law and must be done by an attorney
  129. Homebuyer programs and down payment assistance · MassHousing · retrieved
    Supports: Down payment assistance to $30,000 generally and to $50,000 or 10% of price in Boston and the Gateway Cities
  130. ONE Mortgage · Massachusetts Housing Partnership · retrieved
    Supports: A 3% down first mortgage with no private mortgage insurance for income-eligible first-time buyers
  131. Housing activity: El Paso County, monthly · Texas Real Estate Research Center at Texas A&M University · retrieved
    Supports: A median sale price of $280,615 in El Paso County in August 2026 on 786 sales, against $269,000 on 706 sales in August 2025, up 4.32%, and an average of $313,426, 2,462 active listings and 3.39 months of inventory in August 2026, against 3,048 and 4.39 a year earlier, Figures from MLS listings of single-family homes, condominiums and townhouses, new and existing, physically located within the county, with no split by type and no City of El Paso figure
  132. Zillow Home Value Index, all homes, middle tier, smoothed and seasonally adjusted, by city · Zillow Research · retrieved
    Supports: A typical home value of $238,475 for the city of El Paso (region 17933) in August 2026, $233,280 in August 2025, so a rise of 2.2% over the year
  133. Zillow Home Value Index, single-family and condominium series, by city · Zillow Research · retrieved
    Supports: A typical single-family value of $239,433 in the city of El Paso in August 2026, against $234,144 a year earlier, up 2.3%, A typical condominium value of $176,689 in the same month, against $179,195, down 1.4%, from the condominium file at https://files.zillowstatic.com/research/public_csvs/zhvi/City_zhvi_uc_condo_tier_0.33_0.67_sm_sa_month.csv
  134. El Paso Rent Report, October 2026 · Apartment List · retrieved
    Supports: A median rent of $941 for a one-bedroom and $1,126 for a two-bedroom in the city of El Paso, and $1,182 across all bedroom sizes, Rents up 0.9% over September and up 1.6% over the past 12 months, against -2.1% for the state
  135. Apartments for rent in El Paso, TX: average rent · Apartment List · retrieved
    Supports: Average listed rents of $811 and up for a studio, $1,125 and up for one bedroom, $1,192 and up for two, and $1,369 and up for three or more
  136. FY 2026 fair market rents, El Paso, TX HUD Metro FMR Area · United States Department of Housing and Urban Development · retrieved
    Supports: FY 2026 fair market rents of $821 for an efficiency, $1,013 for one bedroom, $1,191 for two, $1,633 for three and $1,998 for four, as gross rents including utilities, The FMR area as El Paso County alone
  137. Zillow Observed Rent Index, all homes plus multifamily, smoothed, by city · Zillow Research · retrieved
    Supports: An observed rent index of $1,519 for the city of El Paso in August 2026, against $1,471 a year earlier, up 3.25%
  138. Zillow Observed Rent Index, single-family homes, smoothed, by metro · Zillow Research · retrieved
    Supports: A single-family observed rent index of $1,776 for the El Paso metro area (region 394561) in August 2026, against $1,701 a year earlier
  139. 2025 taxing entities and rates · City of El Paso Tax Office · retrieved
    Supports: The City of El Paso collecting property taxes for the governments listed, at 2025 rates per $100 of maintenance and operations, interest and sinking, and total, City of El Paso 0.549469, 0.210180 and 0.759649; County of El Paso 0.395292, 0.063597 and 0.458889; El Paso ISD 0.769900, 0.310800 and 1.080700; El Paso Community College 0.103563, none and 0.103563; University Medical Center 0.179542, 0.061350 and 0.240892, Ysleta ISD 0.770500, 0.430000 and 1.200500; Socorro ISD 0.668900, 0.270000 and 0.938900; Canutillo ISD 1.152500, Paseo del Este MUDs 1 to 11 at 0.623700 to 0.801800, Horizon Regional MUD 0.662800, Emergency Services District 1 0.100000 and District 2 0.087138, the Downtown Management District 0.120000 and City of El Paso MMD 1 0.270000
  140. El Paso Central Appraisal District: entities and exemptions, 21 June 2023 · El Paso Central Appraisal District · retrieved
    Supports: An optional residential homestead exemption of $5,000 for the City of El Paso and El Paso County, 20% for Ysleta ISD, and none for El Paso Community College or University Medical Center, The school homestead exemption for every school district, and no local option tax freeze granted by any entity in the county
  141. 2 in every 5 El Paso County homeowners won't have to pay school property taxes under expanded homestead exemption · El Paso Matters · retrieved
    Supports: The city and county governments with $5,000 homestead exemptions, and University Medical Center of El Paso and El Paso Community College with none, Ysleta ISD's additional 20% homestead exemption on top of the state's, More than 77,000 El Paso County homeowners owing no school tax in 2025 once the $140,000 exemption applied, about 43% of homesteads
  142. Some El Paso homeowners will save hundreds with relief on school property taxes. Others may see their tax bills go up. · El Paso Matters · retrieved
    Supports: El Paso ISD as the largest district in the county, An average taxable home value in the county of just over $223,000 in 2025, and the City's line as the largest part of the bill for most homeowners
  143. Comparing property taxes: El Paso and beyond, May 2025 · Hunt Institute for Global Competitiveness, University of Texas at El Paso · retrieved
    Supports: A combined 2024 property tax rate of 2.595740% for the City of El Paso, above San Antonio's 2.079601%, Houston's 2.092362%, Austin's 1.981814% and Dallas's 2.235030%
  144. Median household income, median home value and tenure, tables B19013, B25077 and B25003, 2024 American Community Survey 1-year estimates · United States Census Bureau, via the Census Reporter API · retrieved
    Supports: A median household income of $59,932 in El Paso city, against $79,721 for Texas, Median household incomes of $64,361 in Houston, $66,176 in San Antonio, $74,323 in Dallas, $82,503 in Fort Worth and $90,430 in Austin, A median owner-occupied home value of $209,600 in El Paso city, and 151,778 of its 246,570 occupied homes owner-occupied
  145. Tax and budget: 2026 tax rate notices · City of El Paso Office of Management and Budget · retrieved
    Supports: A proposed 2026 rate of $0.809487 per $100, the voter-approval rate, against a no-new-revenue rate of $0.747490, from https://www.elpasotexas.gov/assets/Documents/CoEP/OMB/Tax-Budget/2026/2026.08.04-NOTICE-OF-PUBLIC-HEARING-ON-TAX-INCREASE.pdf
  146. El Paso City Council approves 2026-27 budget; increase in property taxes · KFOX14 and CBS4 · retrieved
    Supports: A 2026 rate of $0.798000 per $100 adopted on 18 August 2026, about 1.1 cents below the introduced $0.809487, An estimated increase of about $105 a year for a single-family homeowner
  147. 2020 block assignment files, Texas: unified school districts and places · United States Census Bureau · retrieved
    Supports: Read with the 2020 redistricting file's block populations, at https://www2.census.gov/programs-surveys/decennial/2020/data/01-Redistricting_File--PL_94-171/Texas/tx2020.pl.zip, and the district names in https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2025_Gazetteer/2025_Gaz_unsd_national.zip, Of the City of El Paso's 678,815 residents in 2020: 304,886 in El Paso ISD, 187,847 in Ysleta ISD, 164,173 in Socorro ISD and 21,909 in Canutillo ISD, 304,886 of El Paso ISD's 319,124 residents inside the city, and all 187,847 of Ysleta ISD's
  148. 2025 Gazetteer files: places, Texas · United States Census Bureau · retrieved
    Supports: A land area of 258.823 square miles and a water area of 0.534 square miles for El Paso city
  149. Valuing property: limitation on residence homestead value increases · Texas Comptroller of Public Accounts · retrieved
    Supports: A residence homestead's appraised value may not rise more than 10% a year once the owner has qualified in the preceding and current year
  150. Official statement, Paseo del Este Municipal Utility District No. 4 unlimited tax bonds, series 2025, 13 November 2025 · Paseo del Este Municipal Utility District No. 4, via SAMCO Capital Markets · retrieved
    Supports: The district wholly within the City of El Paso's extraterritorial jurisdiction, about 15 miles east of the central area of the City, north of Interstate 10 and east of Loop 375, Paseo del Este planned to include about 4,300 acres, with about 10,546 single-family lots developed as of 31 August 2025, Overlapping 2025 rates of 0.801800 for the district, 0.458889 for the county, 0.100000 for Emergency Services District 1, 0.103563 for the college, 0.938900 for Socorro ISD and 0.240892 for University Medical Center, 2.644044 in all
  151. PSB approves FY 2026-27 budget, rates and fees, 14 January 2026 · El Paso Water · retrieved
    Supports: An increase of $9.99 a month on the typical residential bill, 12% over the previous year's, with stormwater fees unchanged
  152. Rates and fees · El Paso Water · retrieved
    Supports: Residential stormwater charges of $3.00 a month up to 900 square feet of impervious area, $3.71 to 1,200, $7.42 for a typical 1,201 to 3,000, $14.81 to 4,000 and $18.55 above it, Water rates effective with meter readings after 1 March 2026
  153. Sample bill · El Paso Water · retrieved
    Supports: Solid waste charges for the City's Environmental Services Department of $34.65 a month on the water bill: $21.00 for one gray bin, a $5.00 environmental fee, a $6.00 franchise fee and $2.65 of sales tax
  154. Stormwater FAQ · El Paso Water · retrieved
    Supports: Flooding when runoff exceeds the capacity of an arroyo or channel, and natural arroyos, some protected from development, as part of the stormwater system
  155. International Bridges · City of El Paso · retrieved
    Supports: The City managing three of the region's international ports of entry, Paso del Norte, Stanton and Zaragoza, whose American sides the City owns
  156. Censo de Población y Vivienda 2020: resultados, Chihuahua · Instituto Nacional de Estadística y Geografía · retrieved
    Supports: Juárez as the most populous municipality in Chihuahua, with 1,512,450 inhabitants
  157. Texas title insurance basic premium rates · Texas Department of Insurance · retrieved
    Supports: A basic premium of $780 plus 0.00494 of the amount over $100,000 for policies from $100,001 to $1,000,000, effective 1 March 2026
  158. Texas homeowners insurance market overview · Texas Department of Insurance · retrieved
    Supports: A statewide average homeowners premium of $3,489 a year for 2025
  159. Best home insurance companies in El Paso, Texas · Insurify · retrieved
    Supports: An average El Paso premium of $2,280 a year for $300,000 of dwelling cover and a $1,000 deductible, against a Texas average of $4,656 for the same cover, updated 27 September 2026, El Paso's distance from the Gulf Coast and its hurricanes as a reason its premiums are lower
  160. Texas homeowners insurance · NerdWallet · retrieved
    Supports: An average El Paso premium of $2,520 a year, $210 a month, for $500,000 of dwelling cover, $300,000 of liability and a $1,000 deductible, updated 20 February 2026
  161. Renters insurance in Texas · NerdWallet · retrieved
    Supports: An average El Paso renters premium of $130 a year, $11 a month, updated 23 September 2026
  162. Monthly homeowners' association and condominium fee, tables B25142 and B25143, 2024 American Community Survey 1-year estimates, El Paso city · United States Census Bureau, via the Census Reporter API · retrieved
    Supports: A median monthly association fee of $50 among El Paso owner-occupied units that pay one, 7,263 of 151,778 owner-occupied units, or 4.8%, paying such a fee, and 400 paying $500 or more a month
  163. Housing Finance Corporation · City of El Paso Community and Human Development · retrieved
    Supports: The El Paso Housing Finance Corporation, a non-profit created by the City Council, in existence since 1979, The Mi Casa Homebuyer Grant: up to $20,000 of grant funds for the down payment and closing costs on a home within the city limits, after homebuyer education, for a first-time buyer outside the target area, under income limits of $90,600 for one or two people and $105,340 for three or more outside the target area, and $109,920 and $128,240 inside it, The Welcome Home El Paso grant of up to 5% of the loan through participating lenders
  164. El Paso weighs shifting $2.5M from first-time buyer aid to affordable housing · KFOX14 and CBS4 · retrieved
    Supports: The City's first-time homebuyer program, up to $45,000 plus $5,000 toward the down payment or closing costs, last used in 2021, A household income cap of 80% of the area median and a price cap of $226,000, and a proposal of 14 September 2026 to move $2.5 million of unused funds to multi-family construction