City comparison · 2,581 km apart

Boston vs Houston: which should you move to?

Boston or Houston? 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
Downtown from Buffalo Bayou Park
Texas · United States

Houston

Photograph: Downtown from Buffalo Bayou Park · Michael Barera · CC BY-SA 4.0 · source
The short answer

Both cities price in US dollars, so the figures net directly, and Houston is the cheaper city on nearly every line. On Zillow's index, the same measure in both, Boston's typical home was $791,816 in June 2026, and its index for the City of Houston stood at $261,740 in August; Houston's headline, the Houston Association of Realtors' single-family median for all of Greater Houston, was $330,000. Mortgage, property tax and insurance come to about $4,756 a month on Boston's figure at August's 6.66% and $2,578 on Houston's at September's 7.03%, roughly 58% and 48% of each city's median household income; at the same 7.03% Boston's would be about $4,913. Houston's property tax is the higher rate and the smaller bill, $4,391 against $5,465, and Texas takes no income tax where Massachusetts takes $4,780 on $100,000, so there is no trade-off at the medians. Boston pays more, $97,791 in the city against $64,361, and is safer, with 31 homicides in 2025 at about 4.6 per 100,000 against 270 at about 11.3. Choose Boston to live without a car, near the teaching hospitals, in the state with the lowest uninsured rate. Choose Houston for the house, the growing job market and a 12.1 C January.

Population
MeasureBostonHoustonAdvantage
City population672,973 (2025)2,397,315 (2025)Not directly comparable
Metro population5,034,221 (2025)7,904,627 (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)4.2% (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
MeasureBostonHoustonAdvantage
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)$330,000 (August 2026)Houston
Detached house benchmark
Houston publishes a single house index rather than a composite, so the two rows repeat.
$858,328$330,000Houston
Apartment or condominium benchmark$739,553Not publishedNot directly comparable
Two-bedroom rent$3,425/mo (median, June 2026)$1,327/mo (median, September 2026)Houston
One-bedroom rent$2,877/mo$1,120/moHouston
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 income24.7% of a year's incomeHouston
Mortgage payment on the benchmark, 20% down
30-year amortization on American monthly compounding, the convention in both.
$4,071/mo at 6.66%$1,762/mo at 7.03%Houston
Price to household income
Benchmark price divided by the median household income below. A ratio is comparable across currencies; the dollars are not.
8.1×5.1×Houston
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)$4,392/yr (1.331%, 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)NoneHouston
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. Houston: About 1.33% of value for a homesteaded owner, worked out on the $330,000 Greater Houston median single-family sale price. A house in the City of Houston and Houston ISD, in Harris County, is taxed by eight units for 2025, which add to 2.12522 per $100 before any exemption. Each takes its own homestead exemption off the appraised value first: Houston ISD the state's $140,000 and a further 20% of its own, Houston City College 17%, and Harris County, the Flood Control District, the Port of Houston Authority, the Hospital District, the Department of Education and the City 20% each. So Harris County levies 0.38096 per $100 on $264,000 after a $66,000 exemption, $1,006; Harris County Flood Control District levies 0.04966 per $100 on $264,000 after a $66,000 exemption, $131; Port of Houston Authority levies 0.0059 per $100 on $264,000 after a $66,000 exemption, $16; Harris County Hospital District levies 0.18761 per $100 on $264,000 after a $66,000 exemption, $495; Harris County Department of Education levies 0.004798 per $100 on $264,000 after a $66,000 exemption, $13; City of Houston levies 0.51919 per $100 on $264,000 after a $66,000 exemption, $1,371; Houston ISD levies 0.8783 per $100 on $124,000 after a $206,000 exemption, $1,089; Houston City College levies 0.098802 per $100 on $273,900 after a $56,100 exemption, $271. The eight come to $4,391 a year, 1.33% of the price. Without a homestead, as a landlord or a buyer who never files, the same house owes $7,013. The median is the region's, and a typical home inside the city is cheaper: on $261,740, Zillow's August 2026 value for a typical City of Houston home, the same eight units come to $3,228, 1.23%, 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. When these figures were retrieved the Harris County Tax Office's table already listed 2026 rates for the county, the Flood Control District, the Hospital District and the Port, but not yet for the City, Houston ISD or the college, so the calculators stay on 2025 until all eight 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
MeasureBostonHoustonAdvantage
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)890 (2025)Boston
Property crime per 100,0001,950 (2025)3,854 (2025)Boston
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)270 (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.

Houston

On the FBI's definitions, violent offenses in Houston went from 28,850 in 2021 to 26,383 in 2022, 25,517 in 2023, 26,758 in 2024 and 21,345 in 2025, a 20% drop in the last year and 26% in four, and property offenses from 97,068 to a peak of 105,522 in 2022, then 104,829, 100,302 and 92,382, 12% below the peak. Motor vehicle theft rose from 15,694 in 2021 to 20,085 in 2023 and fell to 12,516 in 2025. In 2025 the CDE shows aggravated assaults down 19% (18,341 to 14,839), robberies down 24% (6,359 to 4,859), rapes down 20% (1,729 to 1,377) and murders down 18% (329 to 270). HPD's own year-end counts show the same direction: homicides down from 331 to 272, robberies from 6,438 to 4,987 and aggravated assaults from 18,590 to 15,378 (Major Cities Chiefs Association survey, as reported by the Houston Chronicle). 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: 21,345 violent offenses (murder, rape, robbery and aggravated assault) in the FBI Crime Data Explorer's summarized data for the Houston Police Department (ORI TXHPD0000) in calendar 2025, divided by the 2,397,315 Vintage 2025 city population. On the CDE's own agency population of 2,413,559 the rate is 884. HPD's year-end figures as reported to the Major Cities Chiefs Association and quoted by the Houston Chronicle run slightly higher than the CDE's: 272 homicides, 4,987 robberies and 15,378 aggravated assaults, against 270, 4,859 and 14,839. The Chronicle did not give HPD's rape count, so HPD's own total on the FBI definition could not be rebuilt.

Homicides: 270 murders and nonnegligent manslaughters in 2025 in the FBI CDE, against 329 in 2024, about 11.3 per 100,000 on the city population. HPD's own year-end count, obtained by the Houston Chronicle through an open records request, was 272 against 331 in 2024, a 17% drop; nothing fetched explains the gap of two cases in each year between the two series. The high point in the CDE series since 2021 is 474, in 2021.

03: Climate

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

Climate normals
MeasureBostonHoustonAdvantage
January mean-1.2 °C12.1 °CNot directly comparable
July mean23.4 °C29.5 °CNot directly comparable
Precipitation a year1,107 mm1,317 mmNot directly comparable
Snowfall a year125 cm0 cmNot directly comparable
Sunshine a year2,634 hours2,578 hoursBoston
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.

Houston

NOAA NCEI 1991-2020 normals for Houston Bush Intercontinental Airport (station USW00012960), inside the city about 23 miles north of downtown and the station where the National Weather Service keeps Houston's official record: January mean 53.8F, July mean 85.1F, annual mean 70.5F, 51.84 in of precipitation, 0.1 in of snow. August is the warmest month by a tenth of a degree at 85.2F, with a mean high of 94.9F; July's mean high is 94.5F and January's mean low is 43.7F. June (6.00 in) and October (5.46 in) are the wettest months and February (2.97 in) the driest, and rain is spread through the year with no dry season. The normals count 111.3 days a year at 90F or above, 7.0 at 100F or above and 10.1 nights at or below freezing. William P. Hobby Airport (USW00012918), about 7 miles southeast of downtown and nearer the Gulf, averages 55.0F in January and 84.8F in July with 55.62 in of rain, 2.9 days at 100F or above and 4.2 nights at or below freezing; its normals give no snowfall. Converted here to 12.1 C, 29.5 C, 1,317 mm and 0.3 cm. That precipitation is the most of any Texas city this site compares, 344 mm more than Dallas's at Love Field. Sunshine hours are the older 1961-1990 NCDC means (2,578 hours, 59% of possible, and 90 clear days), since the 1991-2020 normals do not include sunshine.

Hazards: Flooding is the defining hazard, from hurricanes, tropical storms and stalled rain alike. Hurricane Harvey made landfall near Port Aransas as a category 4 storm on 25 August 2017 and then stalled inland, and over four days 26 to 47 in (660 to 1,204 mm) of rain fell across Harris County, a maximum of 47.4 in at Clear Creek and I-45 and an average of 33.7 in (856 mm) over the county's 1,777 square miles, about 1 trillion gallons. The Harris County Flood Control District counted 154,170 homes flooded in the county, 68% of them outside the 100-year floodplain and 64% without flood insurance, 60,049 people rescued by government crews and 36 flood deaths in the county; statewide Harvey killed 68 people directly, the most from a landfalling hurricane in Texas since 1919. Bush Intercontinental recorded 31.26 in (794 mm) from 25 to 29 August, including 16.07 in (408 mm) on the 27th, the wettest day in its record since 1969, and Hobby 37.01 in (940 mm). NOAA puts Harvey's cost at $125 billion ($160 billion in 2024 dollars, second only to Katrina on its list). Harvey came after others: Tropical Storm Allison in June 2001 ($8.5 billion, 43 deaths), Hurricane Ike in September 2008 ($30.0 billion, 112 deaths), the Tax Day flood of 17 and 18 April 2016 ($2.7 billion, 8 deaths, with 9.92 in at Bush Intercontinental on the 18th) and Tropical Storm Imelda in September 2019 ($5.0 billion, 5 deaths). Wind and the power grid are the second hazard. On 16 May 2024 a derecho cut power to more than 900,000 customers in the Houston area and killed 8 people, and on 8 July 2024 Hurricane Beryl came ashore near Matagorda as a category 1 storm with 80 kt (92 mph) winds and crossed the western side of the metro, gusting to 72 kt (83 mph) at Bush Intercontinental and dropping 14.88 in (378 mm) at a gauge in western Houston. More than 2.2 million customers in the region lost power that afternoon (the National Hurricane Center cites media reports of 2.7 million across southeastern Texas), many of them for days in July heat. The NHC counted 11 direct deaths in Texas and 34 indirect ones, 14 of them from heat as the power stayed off, and NOAA puts the damage at $7.2 billion. Heat is the constant. The normals give only 7.0 days a year at or above 100F (37.8 C), far fewer than Dallas's 22.4, but 111.3 at or above 90F. Bush Intercontinental's record is 46 days of 100F in 2011, including 24 in a row from 1 to 24 August, and 45 in 2023, and its highest reading is 109F (42.8 C), on 4 September 2000, 27 August 2011 and 24 and 27 August 2023; 2026 had 9 such days through 21 September. Cold is rare and badly handled. Winter Storm Uri brought 1.0 in (2.5 cm) of snow to Bush Intercontinental on 15 February 2021 and a low of 13F (-10.6 C) on the 16th, above the station's record of 7F (-13.9 C) on 23 December 1989. ERCOT cut power across the state grid from 15 to 18 February and about 4.5 million customers lost it at the worst; Texas counted 246 deaths from the storm, 43 of them in Harris County, more than in any other county. On 20 and 21 January 2025 a Gulf Coast snowstorm left 1.4 in (3.6 cm) at the airport and a low of 20F (-6.7 C) on the 22nd.

04: Income, jobs and taxes

What people earn and what the government takes

Income and taxes
MeasureBostonHoustonAdvantage
Median household income$97,791 USD (2024)$64,361 USD (2024)Boston
Unemployment rate4.3% (July 2026)5.1% (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%Houston
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 USDHouston
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%.

Houston

BLS counted 3,495,300 nonfarm jobs in the Houston-Pasadena-The Woodlands MSA in August 2026 (not seasonally adjusted, preliminary), up 44,700 or 1.3% on the year. Construction grew fastest (+5.5%, to 269,000), then professional and business services (+2.6%, to 581,300) and government (+1.9%), with education and health services and leisure and hospitality both up 1.3%, while information (-5.9%), financial activities (-1.2%), mining and logging (-0.5%, to 73,300) and manufacturing (-0.2%, to 240,400) shrank. Trade, transportation and utilities is the largest sector at 695,600 jobs, unchanged on the year. The seasonally adjusted series (SMS48264200000000001) was 3,510,100 in August 2026, 1.2% above August 2025. The Greater Houston Partnership counts 27 Fortune 500 headquarters in the region on the 2026 list, tied with Chicago for second among US metros behind New York and ahead of Dallas-Fort Worth's 24, with a 28th due when Expand Energy moves to Spring; ExxonMobil (No. 9) and Chevron (No. 21) lead them. Port Houston calls the Houston Ship Channel complex the nation's largest port for waterborne tonnage (309.5 million tons in 2023, USACE) and the fifth-ranked US container port by TEUs.

Main sectors: Energy: oil and gas producers, refiners, pipelines and oilfield services (ExxonMobil, Chevron, Phillips 66, ConocoPhillips, Enterprise Products Partners, Baker Hughes, Halliburton, Cheniere Energy), Trade, transportation and utilities, the metro's largest sector (the Port of Houston, the nation's largest port by waterborne tonnage; Sysco; United Airlines at Bush Intercontinental; CenterPoint Energy, NRG Energy), Professional and business services, including engineering and construction (KBR, Quanta Services, Comfort Systems USA, Waste Management), Health care and life sciences (the Texas Medical Center, Memorial Hermann, Houston Methodist, MD Anderson Cancer Center, Texas Children's Hospital), Petrochemicals and advanced manufacturing along the Houston Ship Channel (Westlake, NOV).

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. The City of Houston's own rate for tax year 2025 is 51.919 cents per $100 of taxable value, left unchanged by an 11-3 council vote on 15 October 2025 although the city controller warned it would open a $53 million gap in the $7 billion fiscal 2026 budget; the budget committee chair, who voted against, said there was still room under both the state's and the city's own revenue caps. On 10 June 2026 the council passed a $7.5 billion budget for fiscal 2027 by 15 to 1, closing a projected deficit of more than $200 million with no increase in the property tax rate and a new $5 monthly solid waste fee on residential water bills. The rate for tax year 2026 had not been published in anything fetched. The county, school district, METRO and other levies on the same bill belong to the housing layer.

05: Getting around

Whether you need a car

Transit
MeasureBostonHoustonAdvantage
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 routesMETRO buses (more than 80 local routes plus Park & Ride commuter buses on the HOV and HOT lanes), three METRORail light rail lines on 22.7 miles of track (the Red Line, opened in 2004, and the Green and Purple lines, opened in 2015), the Silver Line bus rapid transit in Uptown, METRO curb2curb on-demand service and METROLift paratransit, across a service area of about 1,300 square milesNot directly comparable
Commute by public transit25.3% (2024)3.4% (2024)Boston
Walk or cycle to work17.4% (2024)2.9% (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.George Bush Intercontinental Airport (IAH), about 23 miles north of downtown and a hub for United Airlines, handled 48,131,213 passengers in 2025, 0.6% fewer than the 48.4 million of 2024 (FAA figures as cited by Wikipedia; Houston Airports gave no per-airport total for 2025 in anything fetched), and a record 12.4 million international passengers, 2.5% more than in 2024. William P. Hobby Airport (HOU), about 7 miles southeast of downtown and an operating base for Southwest Airlines, handled 13,943,759, 4.5% fewer than 2024's 14.6 million; it kept Skytrax's 5-star rating for a fifth year, the only one in North America. Houston Airports puts the two together at 62 million passengers in 2025, below the record 63.1 million of 2024, and a record 562,809 metric tons of air cargo.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.

Houston

METRO carried 77,996,900 unlinked trips in 2025, 63,315,900 of them by bus and 12,651,100 on light rail, and about 251,800 a weekday in the second quarter of 2026, 37,700 of them on light rail (APTA ridership reports, as cited by Wikipedia; APTA's PDFs refused the fetcher). METRO's own count for fiscal 2025 is 76.3 million boardings on bus and METRORail, 23.3 million riders on its HOV and HOT lanes and 1.9 million METROLift trips. The authority serves the City of Houston, much of unincorporated Harris County and 14 smaller cities, and is paid for by a 1% sales tax that voters created in 1978. Expansion has stalled: voters approved the METRONext plan in November 2019, including 16 miles of light rail extensions and 75 miles of bus rapid transit, but in June 2024 METRO indefinitely postponed the University Line, once the plan's cornerstone, and in February 2025 it adopted METRONow, which puts safety, cleanliness and reliability of the existing service first.

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.

Houston

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, August 2026). 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 Houston's rate was 23.3% (553,576 of 2,370,907), Harris County's 20.8% and the metro's 18.4%. The Texas Medical Center, south of downtown, calls itself the largest medical complex in the world: by its own count 10,000 patient beds, more than 120,000 employees, 10 million patient encounters and 750,000 emergency visits a year, and among its members the world's largest children's hospital and largest cancer hospital (Texas Children's and MD Anderson). Harris Health's Ben Taub Hospital in the medical center, licensed for 402 beds, is the county's public Level I trauma center and treats more than 80,000 emergency patients a year; in May 2024 Harris Health broke ground on a $1.6 billion, 12-story hospital on its Lyndon B. Johnson campus in northeast Houston, due to open in late 2028 as the first Level I trauma center in the county outside the medical center. This file did not verify a wait time figure for primary or specialist care.

Education

Houston ISD, the largest school district in Texas, has been run by a state-appointed board and superintendent, Mike Miles, since the Texas Education Agency took it over in 2023. It counted 168,810 students on its official snapshot of 31 October 2025, down 4.5% from 176,727 a year earlier, and just over 155,600 on 4 September 2026, nearly 10,000 fewer than in September 2025, and it is cutting staff and campus budgets as a result (Houston Chronicle). The Texas Tribune counts 21,000 students lost since the takeover began, a faster decline than any of its urban peers, and about $190 million in state funding with them. Under Miles the number of F-rated campuses fell from 56 to five, but voters rejected a $4.4 billion bond in 2024, the largest Texas school bond ever to fail, and in August 2026 Miles said the official end of the takeover may come at the end of the 2026-27 year. The University of Houston (48,950 students in fall 2025) and Rice University (8,880 in fall 2024) are both inside the city, and Houston Community College renamed itself Houston City College in 2025.

Living there

Houston is the fourth-largest city in the country and the energy capital of its fifth-largest metro, which added 126,720 people in 2024-25, more than any other. It spreads into four counties with 22.7 miles of light rail near the core, and 68.7% of its workers drive alone, though its 3.4% transit share is the highest of the Texas cities this site compares. Water is its hazard: Harvey flooded 154,170 homes in Harris County in 2017, most of them outside the mapped floodplain, and Beryl left more than two million customers without power in July heat in 2024. Summer is long and humid rather than extreme, with far fewer 100F days than Dallas but 111 days a year at 90F or above and 1,317 mm of rain. Texas takes no income tax, 23.3% of the city's residents have no health insurance, and the Texas Medical Center, the largest in the world by its own count, sits a few miles south of downtown. The open questions are fiscal and civic: the council held the property tax rate flat in October 2025 against its controller's warning and passed a fiscal 2027 budget that closes a deficit of more than $200 million without raising it, METRO has shelved the University Line that was once the cornerstone of its expansion plan, and Houston ISD, under state control since 2023, began 2026-27 with nearly 10,000 fewer students than the year before.

07: The trade-offs

Where each city wins, and where it loses

Both cities price in US dollars, so the figures net directly, and for once the two can be read on the same index. Zillow's typical home value was $791,816 for Boston in June 2026, 1.3% below a year earlier, and $261,740 for the City of Houston in August, 2.3% below. Houston's headline is a different measure, the Houston Association of Realtors' median of single-family houses sold across Greater Houston, $330,000 in August, a regional figure because HAR's city breakdown could not be retrieved. Boston's is 8.1 times its 2024 median household income of $97,791; Houston's regional median is 5.1 times the city's $64,361. At 20% down, Boston's $633,453 loan at Freddie Mac's August 2026 rate of 6.66% costs $4,071 a month, and Houston's $264,000 loan at 7.03%, the rate for 24 September, about $1,762. A Boston owner-occupier who files the residential exemption pays about $5,465 a year, 0.69% of the price, against $4,391 from Houston's eight taxing units, an effective 1.33% with a homestead. Insurance is $230 a month against $450, the Houston figure an estimate between published averages of $5,391 and $9,095 a year, with no flood policy in it. The three lines come to about $4,756 and $2,578, roughly 58% and 48% 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 $1,542 in Houston in August, about 42% and 29% of median income.

Houston has more crime on every count here, and the definitions differ. 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. Houston's are the FBI's summarized counts for 2025: 21,345 violent offenses, 890 per 100,000, and 92,382 property offenses, 3,854. Boston's department counts below the FBI, so the fairer comparison is the FBI's 2024 file for both. It gave Boston 4,138 violent offenses, about 628 per 100,000, and Houston 26,758, about 1,122 on its 2024 population estimate; property offenses were about 2,022 and 4,204. Homicide is the widest gap: 270 in Houston in 2025, about 11.3 per 100,000, and 272 on HPD's own count, against 31 in Boston, about 4.6. The direction favors Houston, where violent offenses dropped 20% in 2025 and homicides went from 331 to 272 on HPD's count, while Boston's rose from 24 to 31. Every rate here is a count divided by a Census estimate; Boston's counts are preliminary until UCR coding, and Houston's, read on 30 September 2026, can still be revised.

Houston has the mild winter and Boston the cool summer. January averages 12.1 C at Bush Intercontinental against -1.2 C at Logan, and July 29.5 C against 23.4 C. Houston is wetter, 1,317 mm against 1,107 mm, while snow is a season in Boston at 125 cm and a rarity in Houston at 0.3 cm. On the older 1961-1990 series the two are about equally sunny, 2,634 hours in Boston and 2,578 in Houston. Both hazards come off the water. 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. Houston's is rain and wind off the Gulf: Hurricane Harvey flooded 154,170 homes in Harris County in August 2017, 68% of them outside the 100-year floodplain, and Hurricane Beryl left more than 2.2 million customers in the region without power in July 2024, many of them for days in summer heat. Houston's normals count 111.3 days a year at 90F or above and 7.0 at 100F (37.8 C). An owner's utility premium over a renter is $210 a month in Boston, where the owner heats, against $150 in Houston, where the owner cools.

Houston's labor market is the larger and the one growing; Boston's pays more. On the same unadjusted basis unemployment in July 2026 was 4.3% in greater Boston and 5.1% around Houston. Boston's 2,747,200 nonfarm jobs in July were 0.3% more than a year earlier, and Houston's 3,495,300 in August 1.3% 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. Houston's largest sector is trade, transportation and utilities at 695,600 jobs, around the Port of Houston, with energy, engineering and the Texas Medical Center behind it, and the Greater Houston Partnership counts 27 Fortune 500 headquarters in the region. Incomes favor Boston, $97,791 in the city in 2024 against $64,361, and $117,825 across the metro against $81,417. Tax favors Houston throughout. 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 Houston, and a 4% surtax above $1,083,150 of taxable income takes the top combined rate to 46% against 37%. Houston's property tax on its median is $1,074 a year less than Boston's on its typical home, so it adds to the gap rather than closing it. Sales tax is the one line the other way, 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 Houston 3.4% took transit, 2.9% walked or cycled and 68.7% 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 three and a half times METRO's 77,996,900. METRO runs three light rail lines on 22.7 miles, more than 80 local bus routes and Park & Ride buses on the highway HOV and HOT lanes across a service area of about 1,300 square miles, and its expansion has stalled: the University Line, once the centerpiece of the METRONext plan voters approved in 2019, was postponed indefinitely in June 2024. Flying favors Houston. Bush Intercontinental, a United hub, handled 48,131,213 passengers in 2025, a record 12.4 million of them international, and Hobby 13,943,759 more; Logan handled 43.2 million, a record 10 million of them international.

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 Houston's rate was 23.3%. Both cities are medical capitals. Mass General and Brigham and Women's are both on the U.S. News 2026-2027 honor roll. Houston has the Texas Medical Center, by its own count the largest medical complex in the world, with 10,000 patient beds and more than 120,000 employees, MD Anderson and Texas Children's among its members, and Harris Health's Ben Taub Hospital, the county's public Level I trauma center. Neither profile verified a wait time for care. Both school districts are shrinking. Boston Public Schools enrolled 44,416 in 2025-26, 3.6% fewer than a year earlier, and a choice application rather than an address settles assignment. Houston ISD, the largest district in Texas and run by a state-appointed board since 2023, counted just over 155,600 on 4 September 2026, nearly 10,000 fewer than a year earlier. Boston University counted 37,737 students in fall 2024, with Harvard and MIT across the Charles; the University of Houston enrolled 48,950 in fall 2025 and Rice 8,880 in fall 2024.

What people underestimate is that each property tax bill assumes a form the buyer files, and that the two bills behave differently afterwards. 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. Houston's homestead takes 20% off the value for six of its eight units, 17% for the college and $140,000 plus 20% for Houston ISD, and without it the regional median owes $7,013 rather than $4,391. 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 a Houston seller's is not. The address matters more in Houston: $4,391 is for a house inside the City of Houston and Houston ISD in Harris County, newer subdivisions on its edges often pay a municipal utility district on top, at a median of about 0.54 per $100 in 2025, and flood insurance is a separate premium priced on the address. And one city is growing: Houston added 4.2% from 2020 to 2025, while Boston is the only city on this site with fewer people than in 2020.

Boston

Better here

  • 25.3% of workers commuted on the MBTA in 2024 and only 31.3% drove alone, against 3.4% by transit and 68.7% driving alone in Houston.
  • Massachusetts had the country's lowest uninsured rate in 2024 at 2.8%, against 16.7% in Texas, the highest of any state, and 23.3% in the City of Houston.
  • There were 31 homicides in 2025, about 4.6 per 100,000, against 270 in Houston at about 11.3, and on the FBI's 2024 file violent crime was about 628 per 100,000 against about 1,122.
  • City median household income was $97,791 in 2024 against $64,361, and the metro figure $117,825 against $81,417.
  • Unemployment was 4.3% in greater Boston in July 2026, not seasonally adjusted, against 5.1% around Houston on the same basis.
  • July averages 23.4 C on the 1991-2020 normals against 29.5 C at Bush Intercontinental, 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 Houston's 7.03%, against $2,578, before condominium fees and heat.
  • Zillow's typical Boston home was $791,816 in June 2026 against $261,740 for the City of Houston in August, on the same index.
  • Zillow's observed rent index was $3,425 in June 2026 against $1,542 in Houston 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%.
  • Metro nonfarm jobs grew 0.3% in the year to July 2026, to 2,747,200, against 1.3% and 3,495,300 around Houston.
  • January averages -1.2 C on a 125 cm snow normal, and the owner's utility premium is $210 a month against $150 in Houston.

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 would rather have a 23.4 C July and a snow season than 111 days a year at 90F and a hurricane season

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

Houston

Better here

  • Mortgage, property tax and insurance come to about $2,578 a month on Greater Houston's August 2026 median, against about $4,913 in Boston at the same 7.03% rate.
  • Property tax on the regional median is $4,391 a year with a homestead, $1,074 less than Boston's $5,465 with the residential exemption, and Texas levies no income tax.
  • Zillow's observed rent index was $1,542 in August 2026 against $3,425 in Boston in June, about 29% and 42% of each city's median household income.
  • The metro had 3,495,300 nonfarm jobs in August 2026, 1.3% more than a year earlier against 0.3% around Boston, and the region counts 27 Fortune 500 headquarters.
  • Bush Intercontinental handled 48,131,213 passengers in 2025, a record 12.4 million of them international, and Hobby another 13,943,759, against 43.2 million at Logan.
  • January averages 12.1 C with 0.3 cm of snow a year on the 1991-2020 normals, against -1.2 C and 125 cm in Boston.

Worse here

  • There were 270 homicides in 2025, about 11.3 per 100,000, against 31 and about 4.6 in Boston, and property crime was 3,854 per 100,000 against about 1,950.
  • Texas had the highest uninsured rate of any state in 2024, 16.7%, and the City of Houston's was 23.3%, against 2.8% in Massachusetts.
  • Only 3.4% of workers commuted by transit in 2024 and 68.7% drove alone, and METRO has 22.7 miles of light rail against the MBTA's three subway lines, the Green Line and 394 miles of commuter rail.
  • Harvey flooded 154,170 homes in Harris County in 2017, 68% of them outside the 100-year floodplain, and the $450 a month insurance budget has no flood policy in it.
  • City median household income was $64,361 in 2024 against $97,791 in Boston, and unemployment was 5.1% in July 2026 against 4.3%, both not seasonally adjusted.
  • A municipal utility district, common in newer subdivisions at a median of about 0.54 per $100 in 2025, is not in the $4,391, and Beryl cut power to more than 2.2 million customers in July 2024.

Choose Houston if

  • you want to own a house, at about $2,578 a month on the region's median rather than $4,913 on Boston's typical home at the same rate
  • you work in energy, the port, engineering or at the Texas Medical Center
  • you will drive anyway and would rather have a 12.1 C January than 125 cm of snow
  • you want no state income tax and a property tax bill that is smaller in dollars as well

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

08: Questions people ask

Boston or Houston, in short

Is Boston or Houston cheaper to live in?

Houston, on every line but 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 its index for the City of Houston stood at $261,740 in August; Houston's headline, HAR's single-family median for all of Greater Houston, was $330,000. The mortgage at 20% down is $4,071 against about $1,762, though Boston's uses August's 6.66% rate and Houston's September's 7.03%. Property tax is about $5,465 a year in Boston with the residential exemption against $4,391 with a homestead, and insurance $230 a month against $450, so the three lines come to about $4,756 in Boston and $2,578 in Houston, or about $4,913 in Boston at the same 7.03%. That is roughly 58% and 48% of each city's median household income. Renting on Zillow's observed rent index is $3,425 in Boston against $1,542 in Houston, about 42% and 29% 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 Houston safer?

Boston, on every count here. Boston Police counted about 507 violent offenses per 100,000 in 2025 against 890 on the FBI's count for Houston, and the department's count runs below the FBI's: on the FBI's own 2024 file the two were about 628 in Boston and about 1,122 in Houston. Property crime was 3,854 per 100,000 in Houston in 2025 against about 1,950. Homicide is the widest gap, 270 in Houston, about 11.3 per 100,000, against 31 in Boston, about 4.6. Houston is the one improving, with violent offenses down 20% in 2025 and homicides down from 331 to 272 on its police department's count, while Boston's went from 24 to 31. None of these are published rates, Boston's counts are preliminary until UCR coding, and Houston's, read on 30 September 2026, can still be revised.

Which has the better job market, Boston or Houston?

Houston's is larger and growing, and Boston's pays more. In July 2026, on the same unadjusted basis, unemployment was 4.3% in greater Boston and 5.1% around Houston, but Houston's 3,495,300 nonfarm jobs in August were 1.3% more than a year earlier against 0.3% for Boston's 2,747,200 in July. Boston's metro median household income was $117,825 in 2024 against $81,417, and its city's $97,791 against $64,361. The work differs in what it depends on. Boston's base is health care, professional services and education, which ties it to federal research funding and international students. Houston's is energy, trade around the Port of Houston, engineering and construction, and the Texas Medical Center, with 27 Fortune 500 headquarters in the region, led by ExxonMobil and Chevron.

Does Texas having no income tax make Houston cheaper than Boston?

Yes, and here the property tax does not take 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 Houston. Texas collects through property instead, but here that does not close the gap: Houston's eight taxing units take $4,391 a year on the regional median with a homestead, an effective 1.33%, against about $5,465 on Boston's typical home with the residential exemption, 0.69%. Houston's rate is nearly twice Boston's and its bill is $1,074 smaller, because the house is so much cheaper. The 4% Massachusetts surtax above $1,083,150 of taxable income widens the gap for the highest earners, and Massachusetts taxes estates over $2 million. 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, 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. Crime Data Explorer summarized agency data, Houston Police Department (TXHPD0000): 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
  44. Houston homicides drop 17% in 2025, as experts say multiple factors drive national trend · Houston Chronicle · retrieved
    Supports: Homicides, Crime trend
  45. Crime continues downward surge in 2025 in Houston and nationwide (Major Cities Chiefs Association year-end survey) · Houston Chronicle · retrieved
    Supports: Violent crime rate, Crime trend
  46. US Climate Normals 1991-2020, station USW00012960 Houston Bush Intercontinental 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 53.8F, July 85.1F and August 85.2F from the monthly series, and annual mean 70.5F, precipitation 51.84 in, snowfall 0.1 in and the counts of days at 90F and 100F and nights at freezing from dataset=normals-annualseasonal-1991-2020 for the same station
  47. US Climate Normals 1991-2020, station USW00012918 Houston William P. Hobby Airport (Access Data Service) · NOAA National Centers for Environmental Information · retrieved
    Supports: Climate normals
  48. Global Historical Climatology Network daily summaries, Houston Bush Intercontinental Airport (USW00012960), 1969-2026 · NOAA National Centers for Environmental Information · retrieved
    Supports: Climate hazards, 31.26 in from 25 to 29 August 2017 and 16.07 in on 27 August 2017, 9.92 in on 18 April 2016, 46 days at or above 100F in 2011 and 24 in a row from 1 to 24 August 2011, 45 in 2023, 9 in 2026 through 21 September, 109F on 4 September 2000, 27 August 2011 and 24 and 27 August 2023, 1.0 in of snow on 15 February 2021 and 13F on 16 February 2021, 7F on 23 December 1989, 1.4 in of snow on 20 and 21 January 2025 and 20F on 22 January 2025
  49. Global Historical Climatology Network daily summaries, Houston William P. Hobby Airport (USW00012918), 1930-2026 · NOAA National Centers for Environmental Information · retrieved
    Supports: Climate hazards, 37.01 in from 25 to 29 August 2017
  50. Weather and Climate Billion-Dollar Disasters to affect the U.S. from 1980-2024 (events list) · NOAA National Centers for Environmental Information · retrieved
    Supports: Climate hazards
  51. Hurricane Harvey & Its Impacts on Southeast Texas (August 25-29, 2017) · National Weather Service, Houston/Galveston · retrieved
    Supports: Climate hazards
  52. Immediate Flood Report, Final Report: Hurricane Harvey, 2017 · Harris County Flood Control District · retrieved
    Supports: Climate hazards, Character
  53. National Hurricane Center Tropical Cyclone Report: Hurricane Beryl (AL022024) · NOAA National Hurricane Center · retrieved
    Supports: Climate hazards
  54. Houston power outages: Hurricane Beryl plunges 2.2 million into the dark · Houston Public Media · retrieved
    Supports: Climate hazards, Character
  55. Public Utility Commission releases investigative report on CenterPoint's response to Hurricane Beryl · The Texas Tribune · retrieved
    Supports: Climate hazards
  56. February 2021 Winter Storm-Related Deaths, Texas (mortality surveillance report) · Texas Department of State Health Services · retrieved
    Supports: Climate hazards
  57. The Timeline and Events of the February 2021 Texas Electric Grid Blackouts · The University of Texas at Austin Energy Institute · retrieved
    Supports: Climate hazards
  58. ACS 2024 1-year tables B08301 and B19013 for Houston city and the Houston-Pasadena-The Woodlands MSA · Census Reporter API (US Census Bureau ACS) · retrieved
    Supports: Median household income, Transit commute share, Walk and cycle commute share, Character
  59. ACS 2024 1-year table B27001 (health insurance coverage) for the 50 states, DC, the US, Harris County, Houston city and the Houston-Pasadena-The Woodlands MSA · Census Reporter API (US Census Bureau ACS) · retrieved
    Supports: Health care, Character
  60. Local Area Unemployment Statistics, Houston-Pasadena-The Woodlands, TX MSA (LAUMT482642000000003), Harris, Fort Bend and Montgomery counties, and the US rate (LNU04000000), not seasonally adjusted · US Bureau of Labor Statistics · retrieved
    Supports: Unemployment rate
  61. Current Employment Statistics, Houston-Pasadena-The Woodlands, TX MSA: total nonfarm (SMU48264200000000001, SMS48264200000000001) and supersectors (SMU4826420xx00000001) · US Bureau of Labor Statistics · retrieved
    Supports: Main sectors, Labour market
  62. Fortune 500 Companies (Houston ranks second among US metro areas in Fortune 500 headquarters) · Greater Houston Partnership · retrieved
    Supports: Main sectors, Labour market
  63. 27 Houston companies make Fortune 500 for 2026, led by energy giants · CultureMap Houston (InnovationMap) · retrieved
    Supports: Main sectors, Labour market
  64. Port Houston Statistics · Port Houston · retrieved
    Supports: Main sectors, Labour market
  65. City Sales and Use Tax (city rate table) · Texas Comptroller of Public Accounts · retrieved
    Supports: Sales tax
  66. Transit Sales and Use Tax (Houston MTA, effective October 1, 1978) · Texas Comptroller of Public Accounts · retrieved
    Supports: Sales tax, Transit ridership
  67. Texas Tax Rates & Rankings · Tax Foundation · retrieved
    Supports: Top marginal income tax, Income tax on $100,000, Tax notes, Character
  68. 2026 Tax Brackets and Federal Income Tax Rates · Tax Foundation · retrieved
    Supports: Top marginal income tax, Income tax on $100,000
  69. Property Tax Exemptions · Texas Comptroller of Public Accounts · retrieved
    Supports: Tax notes
  70. Houston won't raise property tax rate despite budget concerns · The Bond Buyer · retrieved
    Supports: Tax notes, Character
  71. City of Houston passes Whitmire's $7.5 billion budget for fiscal year 2027 · Houston Public Media · retrieved
    Supports: Tax notes, Character
  72. About METRO · Metropolitan Transit Authority of Harris County (METRO) · retrieved
    Supports: Transit system, Transit ridership
  73. Metropolitan Transit Authority of Harris County (citing the APTA Transit Ridership Reports, Q4 2025 and Q2 2026, through Template:American transit ridership) · Wikipedia · retrieved
    Supports: Transit system, Transit ridership, Character
  74. Houston Airports closes 2025 with strong international growth, record cargo performance · Houston Airports · retrieved
    Supports: Airport passengers
  75. Houston Airports earns global honors as record travel powers momentum · Houston Airports · retrieved
    Supports: Airport passengers
  76. Houston Airports shatters passenger record with 63.1 million travelers in 2024 · Houston Airports · retrieved
    Supports: Airport passengers
  77. George Bush Intercontinental Airport (2025 passenger totals from the FAA, location, United Airlines hub) · Wikipedia · retrieved
    Supports: Airport passengers, Climate normals
  78. William P. Hobby Airport (2025 passenger totals from the FAA, location, Southwest Airlines) · Wikipedia · retrieved
    Supports: Airport passengers, Climate normals
  79. Status of State Medicaid Expansion Decisions · KFF · retrieved
    Supports: Health care
  80. About Us (TMC at a Glance) · Texas Medical Center · retrieved
    Supports: Health care, Character
  81. Harris Health Ben Taub Hospital · Harris Health · retrieved
    Supports: Health care
  82. Harris Health System Breaks Ground on Northeast Houston Hospital · Harris Health · retrieved
    Supports: Health care
  83. HISD cuts staff, campus budgets after enrollment drops nearly 10,000 from last September · Houston Chronicle · retrieved
    Supports: Education, Character
  84. HISD reports about 168,800 students enrolled in 2025-26 school year, a loss of 4.5% · Houston Chronicle · retrieved
    Supports: Education
  85. Mike Miles expects HISD's state takeover to end after this school year · Houston Chronicle · retrieved
    Supports: Education
  86. High costs, dwindling enrollment: Is Houston ISD's playbook under takeover sustainable? · The Texas Tribune · retrieved
    Supports: Education, Character
  87. University of Houston (fall 2025 enrollment) · Wikipedia · retrieved
    Supports: Education
  88. Rice University (fall 2024 enrollment) · Wikipedia · retrieved
    Supports: Education
  89. Houston City College (formerly Houston Community College, 1971-2025) · Wikipedia · retrieved
    Supports: Education
  90. 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
  91. 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
  92. 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
  93. 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
  94. 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
  95. 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
  96. 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
  97. 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
  98. 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
  99. 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
  100. 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'
  101. 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
  102. Primary Mortgage Market Survey, 27 August 2026 · Freddie Mac · retrieved
    Supports: A 30-year fixed-rate mortgage averaging 6.66%
  103. 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
  104. 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
  105. 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
  106. 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
  107. 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
  108. 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
  109. 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
  110. 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
  111. 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
  112. 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
  113. ONE Mortgage · Massachusetts Housing Partnership · retrieved
    Supports: A 3% down first mortgage with no private mortgage insurance for income-eligible first-time buyers
  114. HAR.com reports more choices and steady prices in Houston's August housing market · My Neighborhood News, republishing the Houston Association of REALTORS' August 2026 release · retrieved
    Supports: 7,100 single-family sales in Greater Houston in August 2026, down 11.5% from August 2025, A median single-family sale price of $330,000, down 1.5% or $5,000 from August 2025, and an average of $426,760, up 1.2%, A median of $330,000 for existing single-family homes, down 2.9%, 38,947 active single-family listings and a 5.3-month supply, 405 townhouse and condominium sales, unchanged, at a median of $195,000, down 7.1%, and an 8.8-month supply
  115. Greater Houston area home sales on the decline · Community Impact · retrieved
    Supports: From the August 2026 monthly housing update of the Houston Association of Realtors, published 16 September 2026, Single-family sales down 11.5% and the median single-family price down $5,000 to $330,000
  116. Monthly update: home sales, August 2026 · Greater Houston Partnership · retrieved
    Supports: 59,843 single-family sales in the region year to date through August 2026, according to the Houston Association of Realtors, A 12-month average of the median MLS sale price of roughly $331,000 in August 2026, down about one percent on a year earlier
  117. Zillow Home Value Index, all homes, middle tier, smoothed and seasonally adjusted, by city · Zillow Research · retrieved
    Supports: A typical home value of $261,740 for the city of Houston (region 39051) in August 2026, $267,880 in August 2025, so a fall of 2.3% over the year
  118. Zillow Home Value Index, single-family and condominium series, by city · Zillow Research · retrieved
    Supports: A typical single-family value of $267,956 in the city of Houston in August 2026, against $274,277 a year earlier, down 2.3%, A typical condominium value of $131,763 in the same month, against $140,224, down 6.0%, 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
  119. Houston Rent Report, October 2026 · Apartment List · retrieved
    Supports: A median rent of $1,120 for a one-bedroom and $1,327 for a two-bedroom in the city of Houston, and $1,269 across all bedroom sizes, Rents flat over September and down 2.3% over the past 12 months, A metro-wide median of $1,335, 5.0% above the city's
  120. Apartments for rent in Houston, TX: average rent · Apartment List · retrieved
    Supports: Average listed rents of $1,299 and up for a studio, $1,309 and up for one bedroom, $1,630 and up for two, and $2,102 and up for three or more
  121. FY 2026 fair market rents, Houston-The Woodlands-Sugar Land, TX HUD Metro FMR Area · United States Department of Housing and Urban Development · retrieved
    Supports: FY 2026 fair market rents of $1,323 for one bedroom, $1,573 for two and $2,116 for three, as gross rents including utilities
  122. Zillow Observed Rent Index, all homes plus multifamily, smoothed, by city · Zillow Research · retrieved
    Supports: An observed rent index of $1,542 for the city of Houston in August 2026, against $1,544 a year earlier, down 0.13%
  123. Jurisdictions: homestead exemptions and tax rates · Harris Central Appraisal District · retrieved
    Supports: 2025 rates per $100: Harris County 0.380960, Harris County Flood Control District 0.049660, Harris County Port of Houston Authority 0.005900, Harris County Hospital District 0.187610, Harris County Department of Education 0.004798, City of Houston 0.519190, Houston ISD 0.878300, Houston City College 0.098802, Homestead exemptions of 20% for every one of those units except Houston City College, which grants 17%, and a flat $140,000 plus 20% for Houston ISD, No 2026 rate yet for any of the eight, from the table's data at https://hcad.org/actions/hcad-module/default/jurisdictions, More than 400 active utility districts in the appraisal district's list, at a median 2025 rate of about 0.54 per $100
  124. Tax rates · Harris County Tax Office · retrieved
    Supports: The same 2025 adopted rates with their maintenance and operations and debt parts: Harris County 0.33696 and 0.044, the Flood Control District 0.03826 and 0.0114, the Hospital District 0.17876 and 0.00885, the City of Houston 0.40326 and 0.11593, Houston ISD 0.7116 and 0.1667, and the Port's whole rate as debt, The City of Houston's rate at 0.51919 for the 2023, 2024 and 2025 tax years, 2026 rates already listed for Harris County (0.4175), the Flood Control District (0.05266), the Hospital District (0.19528) and the Port (0.00603), and none yet for the City, Houston ISD or the college
  125. FY2027 adopted budget: General Fund revenues · City of Houston Finance Department · retrieved
    Supports: Taxable values within the City set by the Harris, Montgomery or Fort Bend central appraisal district, A City tax rate of 51.919 cents per $100 for tax year 2025, and an estimate of the same for 2026, Proposition 1 of November 2004 capping the annual increase in total property tax revenue at the lower of inflation plus population growth or 4.5%, and Proposition H of November 2006 raising the limit by $90 million, Tax bills sent by the Harris County Tax Office around mid-November and due by 31 January
  126. FY2027 adopted budget: letter from the Mayor · City of Houston · retrieved
    Supports: Houston has operated for more than a decade under two revenue caps, which forced a nearly 20% reduction in the tax rate
  127. FY2026 adopted budget: letter from the Mayor · City of Houston · retrieved
    Supports: No other large Texas city is burdened by both a locally imposed revenue cap and the state cap or must fund solid waste operations without dedicated revenues
  128. Development regulations · City of Houston Planning and Development Department · retrieved
    Supports: The City of Houston does not have zoning, and its codes do not address land use, Development governed by ordinance codes on how property can be subdivided, chiefly Chapter 42, within the city and its extraterritorial jurisdiction
  129. Deed restrictions · City of Houston Legal Department · retrieved
    Supports: The City's authority to enforce residential deed restrictions under Chapter 212 of the Local Government Code and sections 10-551 through 10-555 of the City Code
  130. Harris County's flooding history · Harris County Flood Control District · retrieved
    Supports: A major flood somewhere in Harris County about every two years, mostly in areas developed before current regulations, More flood insurance funds paid in Harris County than in any other community in the National Flood Insurance Program
  131. Hurricane Harvey frequently asked questions · Harris County Flood Control District · retrieved
    Supports: Flooding outside the FEMA mapped floodplain, from ponding and overland sheet flow when rainfall overwhelms street drainage, The mapped floodplain is only an estimate of where flooding is predicted to occur from a bayou or creek, The City of Houston as one of the local floodplain administrators for the National Flood Insurance Program
  132. Home, flood, wind: which policies do you need? · Texas Department of Insurance · retrieved
    Supports: Most home policies do not cover floods; a flood policy covers damage from rising water
  133. Drainage utility charge FAQs · City of Houston, Rebuild Houston · retrieved
    Supports: A residential rate of $0.032 per square foot of impervious surface a year behind a curb and gutter and $0.026 on an open ditch, $48.00 a year, $4.00 a month, on 1,500 square feet behind a curb and gutter
  134. 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
  135. Property tax protests and appeals · Texas Comptroller of Public Accounts · retrieved
    Supports: A protest deadline of 15 May or 30 days after the appraisal district mails the notice of appraised value, whichever is later
  136. Texas homeowners insurance market overview · Texas Department of Insurance · retrieved
    Supports: A statewide average homeowners premium of $3,489 a year for 2025, from the Texas Statistical Plan for Residential Risks, Paid homeowners losses in 2024 of $4.93 billion from hail and $2.21 billion from wind
  137. How much is homeowners insurance in Houston, TX? · Insure.com · retrieved
    Supports: An average Houston premium of $5,391 a year for $300,000 of dwelling cover, $100,000 of liability and a $1,000 deductible, updated 27 May 2026, Standard home insurance policies generally exclude flood damage
  138. Texas homeowners insurance · NerdWallet · retrieved
    Supports: An average Houston premium of $9,095 a year and a Texas average of $5,910, for $500,000 of dwelling cover, updated 20 February 2026
  139. Renters insurance in Texas · NerdWallet · retrieved
    Supports: An average Houston renters premium of $167 a year for $30,000 of personal property
  140. Monthly homeowners' association and condominium fee, tables B25142 and B25143, 2024 American Community Survey 1-year estimates, Houston city · United States Census Bureau, via the Census Reporter API · retrieved
    Supports: A median monthly association fee of $144 among Houston owner-occupied units that pay one, 176,568 of 385,594 owner-occupied units, or 45.8%, paying such a fee, and 31,837 paying $500 or more a month
  141. Homebuyer Assistance Program · City of Houston Housing and Community Development Department · retrieved
    Supports: Up to $75,000 for income-qualified first-time homebuyers, or buyers who have not owned a home in the last three years, at or below 80% of area median income, The home must pay taxes to the City of Houston, A no-interest forgivable loan secured by a lien, fulfilled if the buyer lives in the home for eight years, with a portion repaid on a sale or move before then, No maximum home price, and less than $50,000 in liquid assets
  142. 2025 Gazetteer files: places, Texas · United States Census Bureau · retrieved
    Supports: A land area of 640.819 square miles and a water area of 31.222 square miles for Houston city
  143. About Houston: education · City of Houston · retrieved
    Supports: Houston ISD serves 312 square miles with 288 schools
  144. Local schools · City of Houston Mayor's Office of Education · retrieved
    Supports: Public school districts in the Houston area including Aldine, Alief, Cypress-Fairbanks, Fort Bend, Houston, Humble, Katy, Klein, Spring and Spring Branch, and North Forest annexed by Houston ISD in 2013
  145. 2025 was a year of transformation and change for HCC · Houston City College · retrieved
    Supports: The college publishing under the name Houston City College