Houston vs El Paso: which should you move to?
Houston 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.
Houston
Both cities are in Texas and both were priced at Freddie Mac's 7.03% rate of 24 September 2026, so the rate and the state's rules are shared, but the prices are different measures: Houston's is the Houston Association of Realtors' single-family median for all of Greater Houston, El Paso's the Texas Real Estate Research Center's median for El Paso County, every home type together. Mortgage, property tax and insurance come to about $2,578 a month on Houston's regional $330,000 and $2,165 on the El Paso County median of $280,615, roughly 48% of Houston's median household income of $64,361 and 43% of El Paso's $59,932, the lowest of any city this site compares. Zillow's index keeps the order: it stood at $261,740 for the City of Houston and $238,475 for the City of El Paso. Neither levies an income tax and both charge 8.25% sales tax, but El Paso's five taxing units add to the highest rate of the Texas cities here, and on the same $280,615 house they charge $5,845 against $3,550 from Houston's eight, while Houston's insurance budget is $270 a month higher. Crime favors El Paso on every line: 288 violent offenses per 100,000 against 890, and about 3.8 homicides per 100,000 against 11.3. Choose Houston for energy, the port, the Texas Medical Center, light rail, a hub airport and a city that is still growing. Choose El Paso for the lowest crime of any US city here, a dry and sunny climate, Fort Bliss and the border trade, and a far smaller insurance bill.
| Measure | Houston | El Paso | Advantage |
|---|---|---|---|
| City population | 2,397,315 (2025) | 683,012 (2025) | Not directly comparable |
| Metro population | 7,904,627 (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. | 4.2% (2020-2025) | 0.6% (2020-2025) | Not directly comparable |
What a home costs in each
The figures the two cities' rent-versus-buy and mortgage calculators run on, read from the same tables.
| Measure | Houston | El Paso | Advantage |
|---|---|---|---|
| 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. | $330,000 (August 2026) | $280,615 (August 2026) | El Paso |
| Detached house benchmark Houston publishes a single house index rather than a composite, so the two rows repeat. | $330,000 | $239,433 | El Paso |
| Apartment or condominium benchmark | Not published | $176,689 | Not directly comparable |
| Two-bedroom rent | $1,327/mo (median, September 2026) | $1,126/mo (median, September 2026) | El Paso |
| One-bedroom rent | $1,120/mo | $941/mo | El 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. | 24.7% of a year's income | 22.5% of a year's income | El Paso |
| Mortgage payment on the benchmark, 20% down 30-year amortization on American monthly compounding, the convention in both. | $1,762/mo at 7.03% | $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. | 5.1× | 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. | $4,392/yr (1.331%, 2025) | $5,845/yr (2.083%, 2025) | Houston |
| 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. | None | None | Even |
| Rent control A cap protects a sitting tenant and does nothing for the next lease, so neither column is simply better. | Forbidden by state law | Forbidden by state law | Not directly comparable |
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. 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.
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.
| Measure | Houston | El Paso | Advantage |
|---|---|---|---|
| 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 published | Not published | Not directly comparable |
| Violent crime per 100,000 | 890 (2025) | 288 (2025) | El Paso |
| Property crime per 100,000 | 3,854 (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. | 270 (2025) | 26 (2025) | Not directly comparable |
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.
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.
Winters, summers and what the weather can do to a house
| Measure | Houston | El Paso | Advantage |
|---|---|---|---|
| January mean | 12.1 °C | 8.1 °C | Not directly comparable |
| July mean | 29.5 °C | 29.1 °C | Not directly comparable |
| Precipitation a year | 1,317 mm | 223 mm | Not directly comparable |
| Snowfall a year | 0 cm | 7 cm | Not directly comparable |
| Sunshine a year | 2,578 hours | 3,763 hours | El Paso |
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.
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.
What people earn and what the government takes
| Measure | Houston | El Paso | Advantage |
|---|---|---|---|
| Median household income | $64,361 USD (2024) | $59,932 USD (2024) | Houston |
| Unemployment rate | 5.1% (July 2026) | 4.8% (July 2026) | El Paso |
| Sales tax | 8.25% | 8.25% | Even |
| 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. | 37% | 37% | Even |
| Income tax on $100,000, single filer Houston and El Paso sit under one province's or state's income tax, so the two cells describe the same tax and any difference between them is one of method rather than of tax. The two cells agree to the dollar here. The Advantage column is Even for that reason, and the essay below says the same thing. | $13,449 USD | $13,449 USD | Even |
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.
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.
Whether you need a car
| Measure | Houston | El Paso | Advantage |
|---|---|---|---|
| System | METRO 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 miles | Sun 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 paratransit | Not directly comparable |
| Commute by public transit | 3.4% (2024) | 0.9% (2024) | Houston |
| Walk or cycle to work | 2.9% (2024) | 1.6% (2024) | Houston |
| Airport | 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. | 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 |
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.
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).
Health care, schools and what each city is like
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.
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.
Where each city wins, and where it loses
Both cities are in Texas and both were priced at Freddie Mac's 7.03% rate for 24 September 2026, so the rate and the state's rules are the same on both sides: no transfer or mortgage tax, no rent control, and for a homestead a $140,000 school exemption and a 10% annual cap on appraised value. The prices are different measures. Houston's is the Houston Association of Realtors' median of single-family houses sold across Greater Houston, $330,000 in August 2026, 1.5% below a year earlier, because HAR's city breakdown could not be retrieved. El Paso's is the Texas Real Estate Research Center at Texas A&M's median sale price for El Paso County, $280,615 in August on 786 sales, 4.3% above a year earlier, with single-family houses, condominiums and townhouses counted together; it is a county figure because no City of El Paso median could be found, and the city holds 78% of the county's residents. Zillow's index, which models every home in each city, stood at $261,740 for the City of Houston and $238,475 for the City of El Paso in August, 2.3% lower on the year in Houston and 2.2% higher in El Paso, so on a measure that is the same in both the gap is about $23,000 rather than $49,000. At 20% down, Houston's $264,000 loan costs about $1,762 a month and El Paso's $224,492 loan about $1,498. Property tax is $4,391 a year in Houston and $5,845 in El Paso with a homestead, and insurance is budgeted at $450 and $180 a month, both estimates between published averages, the El Paso one low because the city is far from the Gulf and its hurricanes, and neither with a flood policy in it. The three lines come to about $2,578 and $2,165, roughly 48% and 43% of each city's 2024 median household income; of the $413 gap about $264 is the mortgage and $270 the insurance, less the $121 more El Paso pays in property tax. The rents are on the same series, Apartment List's September medians for each city: a one-bedroom at $1,120 in Houston and $941 in El Paso, a two-bedroom $1,327 and $1,126. Zillow's observed rent index was closer, $1,542 and $1,519 in August.
The definitions match: both cities' figures are the FBI's summarized counts for 2025, divided by Census Vintage 2025 populations and read on 30 September 2026. El Paso is the lower on every line. Houston's 21,345 violent offenses come to 890 per 100,000 against El Paso's 288 on 1,969, the lowest rate of any US city this site compares, and its 92,382 property offenses to 3,854 against 1,340 on 9,152, also the lowest. Homicide is about three times as common in Houston: 270, about 11.3 per 100,000, against 26 in El Paso, about 3.8. The directions differ. Violent offenses dropped 20% in Houston in 2025 and 26% in four years, and murders 18%, from 329 to 270. In El Paso violent offenses dropped 9%, from a peak of 2,170 in 2024 to 1,969, which still leaves them 10% above 2021, and murders rose from 20 to 26, in a small series that has run between 20 and 37 since 2021. Motor vehicle theft fell in both, from 20,085 in 2023 to 12,516 in Houston and from 2,314 to 1,805 in El Paso. El Paso Matters found the El Paso Police Department the only one of Texas's 25 largest law enforcement agencies to report more serious crime in 2025 than in 2021, which is a statement about the trend and not the level. Both sets of counts come from a feed last refreshed on 15 September and can still be revised.
The two share the heat and little else. July averages 29.5 C at Bush Intercontinental and 29.1 C at El Paso International, but Houston's summer is humid and El Paso's dry, and El Paso has more of the extreme days: its normals count 26.5 a year at or above 37.8 C (100F) against 7.0, and 116.8 at or above 32.2 C (90F) against 111.3. The recent summers are hotter still. El Paso International had 70 days of 100F in 2023, 44 of them in a row, and 108 days in a row at 90F or above in 2026, the longest run on record there; Bush Intercontinental's record is 46 days of 100F, in 2011. Winter is the colder in El Paso, 8.1 C in January against 12.1 C, with 42.0 nights a year at or below freezing against 10.1, and 7.1 cm of snow against 0.3 cm. Houston gets 1,317 mm of rain, the most of the Texas cities this site compares, and El Paso 223 mm, the least of any city here and about a sixth of Houston's, more than half of it from July through September; El Paso's 3,763 hours of sunshine a year are the most here, against 2,578. The hazards differ in kind. Houston's come off the Gulf: Hurricane Harvey flooded 154,170 homes in Harris County in August 2017, 68% of them outside the 100-year floodplain, and Beryl left more than 2.2 million customers in the region without power in July 2024. El Paso's is the monsoon flash flood, water running off the Franklin Mountains through the arroyos: from 27 July to 4 August 2006 storms dropped 6.84 in (174 mm) on the airport, in what the National Weather Service calls the worst flooding in the area's recorded history, with about $450 million of damage across the region. Winter Storm Uri showed the two grids apart. It brought 13F (-10.6 C) to Houston and 14F (-10.0 C) to El Paso in February 2021, but El Paso Electric is on the western grid, not ERCOT's, so El Paso sat outside the state grid that failed; Texas counted 43 of its 246 deaths in Harris County and none in El Paso County. El Paso had its own failure in February 2011, when all eight of El Paso Electric's primary generators failed in the cold and rolling blackouts followed.
Houston's metro has nearly ten times El Paso's jobs. BLS counted 3,495,300 nonfarm jobs around Houston in August 2026, 1.3% more than a year earlier, and 363,500 around El Paso, 0.9% more. Unemployment is on the same unadjusted basis in both, 5.1% around Houston and 4.8% around El Paso in July, against 4.4% nationally. Houston runs on energy, the Port of Houston and the Texas Medical Center, and the Greater Houston Partnership counts 27 Fortune 500 headquarters in the region, led by ExxonMobil and Chevron. El Paso runs on the Army and the border. The Texas Comptroller counts 41,527 direct employees at Fort Bliss in 2025, 30,288 of them on active duty, and credits the base with 121,220 Texas jobs, and federal payroll jobs around El Paso rose 3.0% on the year, to 13,800, a count that leaves the soldiers out. Across the Rio Grande is Ciudad Juárez, with 1,512,450 people at Mexico's 2020 census, and 28.8 million people and 842,659 trucks entered the US at El Paso's ports in 2025; trade, transportation and utilities is the metro's largest sector, at 80,200 jobs. BLS put the average private weekly wage in El Paso County at $906 in the third quarter of 2025, 38% below the Texas figure; the Houston profile carries no wage figure. City median household income was $64,361 in Houston and $59,932 in El Paso in 2024, and the metros' $81,417 and $59,834. The state's taxes are shared: no income tax, so $100,000 pays $13,449 in both for 2025, and 8.25% sales tax, though Houston's includes a full cent for METRO and El Paso's half a cent for transit and half for the county. The property tax stacks are not alike. El Paso's five units add to 2.643693 per $100, the highest of the Texas cities here, and Houston's eight to 2.12522, and El Paso's exempt far less: El Paso ISD takes the state's $140,000 and nothing more where Houston ISD adds 20%, El Paso County and the City take a flat $5,000 each where most of Houston's units take 20%, and El Paso Community College and University Medical Center, the county's hospital district, take nothing at all. So the same $280,615 house pays $3,550 in Houston and $5,845 in El Paso, about 2.08% of its value against 1.26%, and Houston's $330,000 would pay $7,150 on El Paso's stack.
Neither city has much transit, and El Paso has almost as little as any city here. In 2024, 3.4% of Houston workers took transit and 2.9% walked or cycled, against 0.9% and 1.6% in El Paso, the second-lowest transit share of any city this site compares, above only Fort Worth's; 68.7% of Houston's workers drove alone against 75.3%, and 10.9% and 7.4% worked from home. METRO carried 77,996,900 trips in 2025, 12,651,100 of them on 22.7 miles of light rail. Sun Metro, a department of the City of El Paso, carried 6,186,400, 396,200 of them on the fare-free El Paso Streetcar, a 4.8-mile loop through downtown and UTEP on restored 1937 PCC cars. Its four Brio rapid bus lines cover about 51.5 miles with curbside stations and signal priority, but they run in mixed traffic and less often than the name suggests: every 15 minutes at weekday peaks on the Mesa line and 20 otherwise, and 20 to 35 minutes on the other three. Houston's expansion has stalled: METRO postponed the University Line, once the centerpiece of the METRONext plan voters approved in 2019, indefinitely in June 2024. Transit takes 1% of the sales tax for METRO and half a cent in El Paso, levied since 1988. The airports are far apart. Bush Intercontinental, United's hub, handled 48,131,213 passengers in 2025, a record 12.4 million of them international, and Hobby 13,943,759. El Paso International, owned by the city and with no airline hub, handled 3,838,968, 4.9% fewer than its record of 2024, and Southwest carried 54% of December's passengers.
Coverage is Texas's problem in both cities, the larger one in Houston on the city figures and in El Paso on the county ones. The state has not expanded Medicaid and had the highest uninsured rate of any state in 2024, 16.7%; the City of Houston's rate was 23.3% and the City of El Paso's 20.8%, and Harris County's 20.8% against El Paso County's 21.5%. Houston has the Texas Medical Center, by its own count the largest medical complex in the world, with 10,000 patient beds, MD Anderson and Texas Children's, and Harris Health's Ben Taub Hospital, the county's public Level I trauma center. El Paso's public hospital is University Medical Center of El Paso, run by the county hospital district, with 394 licensed beds and the region's only Level I trauma center; the district has budgeted $136 million of uncompensated care for fiscal 2027, citing the end of the enhanced ACA subsidies. UMC 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 William Beaumont Army Medical Center at Fort Bliss runs the emergency department for Northeast El Paso. Neither profile verified a wait time. The schools are shrinking in both. Houston ISD, the largest district in Texas and under a state-appointed board since 2023, counted just over 155,600 students on 4 September 2026, nearly 10,000 fewer than a year earlier. No single district covers El Paso. El Paso ISD, the one more residents live in than any other, holds under half of them; it lost almost 1,900 students in 2025-26, ran a $52.8 million deficit and on 4 June 2026 declared financial exigency to cut about 410 jobs, and the county's three largest districts had about 124,000 students, 13% fewer than seven years earlier. The University of Houston enrolled 48,950 in fall 2025 and Rice 8,880 in fall 2024; the University of Texas at El Paso, an R1 research university, has 26,297 students, 85% of them Hispanic.
What people underestimate is that El Paso is the one Texas city here that is not growing. Houston had 2,397,315 residents in July 2025, added 11,515 in the last year and has grown 4.2% since 2020, and its metro added 126,720 people in 2024-25, more than any other in the country. El Paso had 683,012, lost 2,219, the largest numeric loss of any Texas city that year, and has grown 0.6% since 2020, the slowest of the Texas cities this site compares, as births fall, fewer people move up from Mexico and young adults leave for work elsewhere. Harris County lost 43,377 more residents to the rest of the country than it gained in 2024-25 and grew anyway on births and international migration; El Paso County has lost residents to domestic migration in every year since 2020, 23,600 in 2021-25. El Paso also keeps Mountain time, an hour behind Houston. So $4,391 and $5,845 are bills for an address inside each city and one school district, Houston ISD in Harris County and El Paso ISD, and the edges add charges neither figure includes. Newer Houston subdivisions often pay a municipal utility district, at a median of about 0.54 per $100 in 2025. East of Loop 375, El Paso's newest subdivisions are in Paseo del Este, eleven municipal utility districts in the City's extraterritorial jurisdiction levying 0.6237 to 0.8018 per $100 for 2025 on top of the county's, the college's, the hospital district's and Socorro ISD's, with no City rate. The city rates are moving apart. The City of Houston's has been 51.919 cents since 2023 under a charter cap on its revenue. El Paso's divided council voted 6 to 2 on 18 August 2026 to set the City's at 79.8 cents for 2026, above the 75.9649 cents in the $5,845, which El Paso Matters says will add about $105 a year to the bill on the average-value home, and the city is counting on Meta's data center in Northeast El Paso, due to become its largest property taxpayer, to take some of that load off homeowners.
Better here
- The Greater Houston Partnership counts 27 Fortune 500 headquarters in the region for 2026, led by ExxonMobil and Chevron, and BLS counted 3,495,300 nonfarm jobs in the metro against 363,500 around El Paso.
- The Texas Medical Center, by its own count the largest medical complex in the world, has 10,000 patient beds, with MD Anderson and Texas Children's among its members.
- METRO carried 77,996,900 trips in 2025, 12,651,100 of them on 22.7 miles of light rail, against Sun Metro's 6,186,400, and 3.4% of workers took transit against 0.9%.
- On the same $280,615 house the eight taxing units charge $3,550 a year against $5,845 from El Paso's five, an effective 1.26% against 2.08%.
- Bush Intercontinental, United's hub, handled 48,131,213 passengers in 2025, against 3,838,968 at El Paso International, which has no airline hub.
- The city added 11,515 residents in 2024-25 and its metro 126,720, the most of any US metro, where El Paso lost 2,219.
Worse here
- Violent crime was 890 per 100,000 in 2025 against 288 in El Paso on the same FBI counts, and there were 270 homicides, about 11.3 per 100,000, against 26 at about 3.8.
- Mortgage, property tax and insurance come to about $2,578 a month on the regional median, about 48% of the city's median household income, against $2,165 and 43% in El Paso.
- 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, $270 above El Paso's, has no flood policy in it.
- Property crime was 3,854 per 100,000 in 2025 against 1,340 in El Paso, and motor vehicle thefts numbered 12,516 against 1,805.
- Rain totals 1,317 mm a year against 223 mm, with the humidity that comes with it, and Beryl cut power to more than 2.2 million customers in the region in July 2024.
- 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 the city has no zoning.
Choose Houston if
- you work in energy, petrochemicals, the port, engineering or at the Texas Medical Center
- you fly often and want a hub airport, United's at Bush Intercontinental, rather than one with none
- you want light rail inside the city and a transit system that carried 77,996,900 trips in 2025
- you would take humidity and a hurricane season for a 12.1 C January and 7.0 days a year at 100F rather than 26.5
The Houston guide · Neighborhoods · Houston rent vs buy · Houston mortgage calculator
Better here
- Violent crime was 288 per 100,000 in 2025, the lowest of any US city this site compares, against 890 in Houston, and there were 26 homicides, about 3.8 per 100,000, against 270 at about 11.3.
- Property crime was 1,340 per 100,000, also the lowest of any US city here, against 3,854 in Houston.
- Mortgage, property tax and insurance come to about $2,165 a month on the El Paso County median, against $2,578 on Houston's regional one, and a two-bedroom rents for $1,126 against $1,327 on the same series.
- Home insurance is budgeted at $180 a month against $450, because El Paso is far from the Gulf and its hurricanes.
- The climate is the driest and sunniest of any city here: 223 mm of rain a year against 1,317 mm, and 3,763 hours of sunshine against 2,578.
- El Paso Electric is on the western grid, not ERCOT's, and Texas counted no deaths in El Paso County from Winter Storm Uri against 43 in Harris County.
Worse here
- The five taxing units add to 2.643693 per $100, the highest of the Texas cities here, and charge $5,845 a year on the county median, where Houston's eight would charge $3,550 on the same house.
- City median household income was $59,932 in 2024, the lowest of any city this site compares, and BLS put the county's average private weekly wage at $906, 38% below the Texas figure.
- The city lost 2,219 residents in 2024-25, the largest numeric loss of any Texas city, and has grown 0.6% since 2020 against Houston's 4.2%.
- The normals count 26.5 days a year at or above 37.8 C (100F) against 7.0 in Houston, and 42.0 freezing nights against 10.1; 2026 brought 108 days in a row at 90F or above.
- Elephant Butte, the Rio Grande reservoir that holds nearly half the city's water supply, fell to 1.4% of capacity on 30 July 2026, and a monsoon storm can flood the arroyos in hours.
- El Paso International handled 3,838,968 passengers in 2025 with no airline hub, and 0.9% of workers took transit against 3.4%.
Choose El Paso if
- you are posted to Fort Bliss, or work for the border agencies, in cross-border trade and logistics, or at UMC, Texas Tech Health El Paso or UTEP
- you want the lowest violent and property crime rates of any US city here, on figures built the same way
- you would take dry heat, more 100F days and colder nights for no hurricane season and an insurance budget of $180 a month rather than $450
- you want to own for about $413 a month less and can carry the highest property tax rate of the Texas cities here
The El Paso guide · Neighborhoods · El Paso rent vs buy · El Paso mortgage calculator
Houston or El Paso, in short
Is Houston or El Paso cheaper to live in?
El Paso, by about $413 a month to own, and by less against local pay. Both cities were priced at the same 7.03% mortgage rate of 24 September 2026, so the figures net directly, though the prices are different measures. HAR's single-family median for all of Greater Houston was $330,000 in August 2026 and the Texas Real Estate Research Center's median for El Paso County, every home type together, $280,615; Zillow's index for each city, $261,740 against $238,475, keeps the order. At 20% down the mortgage is about $1,762 against $1,498. Property tax is $4,391 against $5,845 with a homestead, and insurance $450 a month against $180, so the three lines come to about $2,578 in Houston and $2,165 in El Paso, roughly 48% and 43% of each city's median household income, $64,361 and $59,932. Renting is cheaper in El Paso on the same series, Apartment List's September medians: $1,126 for a two-bedroom against $1,327. Income tax is nil in both and sales tax 8.25% in both.
Is Houston or El Paso safer?
El Paso, on every line, on figures built the same way. Both are the FBI's summarized counts for 2025 divided by Census estimates, read on 30 September 2026. Violent offenses ran 890 per 100,000 in Houston against 288 in El Paso, the lowest of any US city this site compares, property offenses 3,854 against 1,340, and homicide was 270 in Houston, about 11.3 per 100,000, against 26 in El Paso, about 3.8. The trends run differently. Houston's violent offenses dropped 20% in 2025 and its murders 18%; El Paso's violent offenses dropped 9%, but its murders rose from 20 to 26 and its violent count is still 10% above 2021. Every rate here is a count divided by a Census estimate rather than a published rate, and the counts can still be revised.
Which has the better weather, Houston or El Paso?
It depends whether you mind humidity or the extremes more. The July means are close, 29.5 C in Houston and 29.1 C in El Paso, but Houston's heat is humid and El Paso's dry, and El Paso has more of the hottest days: 26.5 a year at or above 37.8 C (100F) against 7.0, and 70 of them in 2023. Winter is colder in El Paso, 8.1 C in January against 12.1 C, with 42.0 freezing nights against 10.1. Houston gets 1,317 mm of rain against 223 mm in El Paso, which has the most sunshine of any city this site compares. Houston's hazards are hurricanes and flooding off the Gulf, from Harvey in 2017 to Beryl in 2024. El Paso's are the monsoon flash flood off the Franklin Mountains, spring wind and dust, and drought: the Rio Grande reservoir that holds nearly half its water fell to 1.4% of capacity in July 2026. Home insurance is budgeted at $450 a month in Houston and $180 in El Paso, and in both flood cover is a separate policy.
Why does El Paso's house pay more property tax than Houston's?
Because El Paso's five units levy more and exempt much less. The state frame is the same: a $140,000 homestead exemption from the school levy and a 10% annual cap on a homestead's appraised value that starts after purchase. El Paso's five units add to 2.643693 per $100, the highest of the Texas cities here, and Houston's eight to 2.12522. In Houston almost every unit takes 20% off a homestead and Houston ISD adds 20% on top of the state's $140,000. In El Paso, 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, the county's hospital district, nothing at all. So the El Paso County median of $280,615 pays $5,845, about 2.08%, and Houston's $330,000 pays $4,391, about 1.33%; on the same $280,615 house Houston's stack would charge $3,550. Without a homestead the two medians would owe $7,419 and $7,013. The rates are high and the values low: an El Paso Matters analysis found El Paso County's median bill took 6.1% of median household income in 2024, about the same share as in most large Texas counties. Neither figure includes a municipal utility district.
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.
- 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
- 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
- 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
- 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
- Houston homicides drop 17% in 2025, as experts say multiple factors drive national trend · Houston Chronicle · retrieved Supports: Homicides, Crime trend
- 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
- 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
- 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
- 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
- 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
- Average Annual Sunshine in US Cities · Current Results (NCDC Comparative Climatic Data, 1961-1990) · retrieved Supports: Sunshine hours, Climate normals
- 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
- Hurricane Harvey & Its Impacts on Southeast Texas (August 25-29, 2017) · National Weather Service, Houston/Galveston · retrieved Supports: Climate hazards
- Immediate Flood Report, Final Report: Hurricane Harvey, 2017 · Harris County Flood Control District · retrieved Supports: Climate hazards, Character
- National Hurricane Center Tropical Cyclone Report: Hurricane Beryl (AL022024) · NOAA National Hurricane Center · retrieved Supports: Climate hazards
- Houston power outages: Hurricane Beryl plunges 2.2 million into the dark · Houston Public Media · retrieved Supports: Climate hazards, Character
- Public Utility Commission releases investigative report on CenterPoint's response to Hurricane Beryl · The Texas Tribune · retrieved Supports: Climate hazards
- February 2021 Winter Storm-Related Deaths, Texas (mortality surveillance report) · Texas Department of State Health Services · retrieved Supports: Climate hazards
- The Timeline and Events of the February 2021 Texas Electric Grid Blackouts · The University of Texas at Austin Energy Institute · retrieved Supports: Climate hazards
- 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
- 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
- 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
- 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
- Fortune 500 Companies (Houston ranks second among US metro areas in Fortune 500 headquarters) · Greater Houston Partnership · retrieved Supports: Main sectors, Labour market
- 27 Houston companies make Fortune 500 for 2026, led by energy giants · CultureMap Houston (InnovationMap) · retrieved Supports: Main sectors, Labour market
- Port Houston Statistics · Port Houston · retrieved Supports: Main sectors, Labour market
- City Sales and Use Tax (city rate table) · Texas Comptroller of Public Accounts · retrieved Supports: Sales tax
- Transit Sales and Use Tax (Houston MTA, effective October 1, 1978) · Texas Comptroller of Public Accounts · retrieved Supports: Sales tax, Transit ridership
- Texas Tax Rates & Rankings · Tax Foundation · retrieved Supports: Top marginal income tax, Income tax on $100,000, Tax notes, Character
- 2025 Tax Brackets and Federal Income Tax Rates · Tax Foundation · retrieved Supports: Top marginal income tax, Income tax on $100,000
- 2026 Tax Brackets and Federal Income Tax Rates · Tax Foundation · retrieved Supports: Top marginal income tax, Income tax on $100,000
- Property Tax Exemptions · Texas Comptroller of Public Accounts · retrieved Supports: Tax notes
- Houston won't raise property tax rate despite budget concerns · The Bond Buyer · retrieved Supports: Tax notes, Character
- City of Houston passes Whitmire's $7.5 billion budget for fiscal year 2027 · Houston Public Media · retrieved Supports: Tax notes, Character
- About METRO · Metropolitan Transit Authority of Harris County (METRO) · retrieved Supports: Transit system, Transit ridership
- 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
- Houston Airports closes 2025 with strong international growth, record cargo performance · Houston Airports · retrieved Supports: Airport passengers
- Houston Airports earns global honors as record travel powers momentum · Houston Airports · retrieved Supports: Airport passengers
- Houston Airports shatters passenger record with 63.1 million travelers in 2024 · Houston Airports · retrieved Supports: Airport passengers
- George Bush Intercontinental Airport (2025 passenger totals from the FAA, location, United Airlines hub) · Wikipedia · retrieved Supports: Airport passengers, Climate normals
- William P. Hobby Airport (2025 passenger totals from the FAA, location, Southwest Airlines) · Wikipedia · retrieved Supports: Airport passengers, Climate normals
- Status of State Medicaid Expansion Decisions · KFF · retrieved Supports: Health care
- About Us (TMC at a Glance) · Texas Medical Center · retrieved Supports: Health care, Character
- Harris Health Ben Taub Hospital · Harris Health · retrieved Supports: Health care
- Harris Health System Breaks Ground on Northeast Houston Hospital · Harris Health · retrieved Supports: Health care
- HISD cuts staff, campus budgets after enrollment drops nearly 10,000 from last September · Houston Chronicle · retrieved Supports: Education, Character
- HISD reports about 168,800 students enrolled in 2025-26 school year, a loss of 4.5% · Houston Chronicle · retrieved Supports: Education
- Mike Miles expects HISD's state takeover to end after this school year · Houston Chronicle · retrieved Supports: Education
- High costs, dwindling enrollment: Is Houston ISD's playbook under takeover sustainable? · The Texas Tribune · retrieved Supports: Education, Character
- University of Houston (fall 2025 enrollment) · Wikipedia · retrieved Supports: Education
- Rice University (fall 2024 enrollment) · Wikipedia · retrieved Supports: Education
- Houston City College (formerly Houston Community College, 1971-2025) · Wikipedia · retrieved Supports: Education
- 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
- Ciudad Juárez (2020 Mexican census population, ports of entry, maquiladoras) · Wikipedia · retrieved Supports: City population, Metro population, Main sectors, Character
- 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
- El Paso police, sheriff report decline in serious crime in 2025 · El Paso Matters · retrieved Supports: Violent crime rate, Homicides, Crime trend, Character
- 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
- 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
- Average Annual Days of Sunshine and Percent of Possible Sunshine, Texas · Current Results (NCDC Comparative Climatic Data) · retrieved Supports: Sunshine hours, Climate normals
- 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)
- 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
- Stormwater · El Paso Water · retrieved Supports: Climate hazards
- 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
- Intense Cold Wave of February 2011 · NOAA National Weather Service, El Paso/Santa Teresa · retrieved Supports: Climate hazards
- Water Resources · El Paso Water · retrieved Supports: Climate hazards
- Rio Grande and Elephant Butte · El Paso Water · retrieved Supports: Climate hazards, Character
- Desalination (Kay Bailey Hutchison Desalination Plant) · El Paso Water · retrieved Supports: Climate hazards, Character
- Pure Water Center · El Paso Water · retrieved Supports: Climate hazards, Character
- 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
- El Paso ends historic hot summer with longest streak of 90-degree days · El Paso Matters · retrieved Supports: Climate hazards, Character
- El Paso Electric (service area, generation, customers) · Wikipedia · retrieved Supports: Climate hazards
- Frigid temperatures sweep into El Paso: What to expect, how to prepare · El Paso Matters · retrieved Supports: Climate hazards
- 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
- 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
- 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
- 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
- Fort Bliss (Texas military installations economic impact, 2025) · Texas Comptroller of Public Accounts · retrieved Supports: Main sectors, Labour market, Character
- Fort Bliss (size, FORSCOM, 1st Armored Division) · Wikipedia · retrieved Supports: Main sectors
- 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
- Meta data center expected to become city of El Paso's largest property taxpayer · El Paso Matters · retrieved Supports: Labour market, Character
- 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
- County Sales and Use Tax (El Paso County, effective January 1, 1988) · Texas Comptroller of Public Accounts · retrieved Supports: Sales tax
- After hours of tense debate, divided El Paso City Council adopts budget, raises taxes · El Paso Matters · retrieved Supports: Tax notes, Character
- Highest tax rates, lowest tax bills: The complicated reality of El Paso property taxes · El Paso Matters · retrieved Supports: Tax notes, Character
- El Paso County Hospital District budgets pay raises, rise in uncompensated care · El Paso Matters · retrieved Supports: Tax notes, Health care
- 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
- Template:American transit ridership (APTA Transit Ridership Reports, Q4 2025 and Q2 2026) · Wikipedia · retrieved Supports: Transit ridership, Character
- Brio routes (Alameda, Dyer, Mesa and Montana corridors) · Sun Metro · retrieved Supports: Transit system, Transit ridership
- Sun Metro Brio (opening dates, frequency) · Wikipedia · retrieved Supports: Transit system, Transit ridership
- About Streetcars (hours, frequency, fare, track, stops) · Sun Metro · retrieved Supports: Transit system, Transit ridership
- El Paso Streetcar (opening, PCC cars, international line) · Wikipedia · retrieved Supports: Transit system, Transit ridership
- Fares & Passes · Sun Metro · retrieved Supports: Transit ridership
- 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
- El Paso International Airport (location, 2026 airspace closure) · Wikipedia · retrieved Supports: Airport passengers, Climate normals
- Status of State Medicaid Expansion Decisions · KFF · retrieved Supports: Health care
- About Us (FY 2024 vitals) · University Medical Center of El Paso · retrieved Supports: Health care, Character
- New UMC CEO to lead hospital through growth, voter-approved bond projects · El Paso Matters · retrieved Supports: Health care
- About Texas Tech Health El Paso · Texas Tech Health El Paso · retrieved Supports: Health care, Education
- Texas Tech University Health Sciences Center El Paso (independence, schools, first four-year medical school on the border) · Wikipedia · retrieved Supports: Health care
- William Beaumont Army Medical Center · Wikipedia · retrieved Supports: Health care
- El Paso County lost nearly 12,000 school-age children since 2020, census estimates show · El Paso Matters · retrieved Supports: Education, Character
- Hundreds of El Paso teachers leave classrooms as enrollment decline reshapes area schools, workforce · El Paso Matters · retrieved Supports: Education
- 6 things to know: How EPISD is handling a financial crisis · El Paso Matters · retrieved Supports: Education, Character
- EPISD board members Daniel Call and Valerie Beals announce resignations · El Paso Matters · retrieved Supports: Education
- El Paso ISD trustees postpone bond election until May 2027 · El Paso Matters · retrieved Supports: Education
- Ysleta ISD nearly depletes savings under adopted budget, avoids layoffs for now · El Paso Matters · retrieved Supports: Education
- About UTEP (by the numbers) · The University of Texas at El Paso · retrieved Supports: Education, Character
- University of Texas at El Paso (R1 classification) · Wikipedia · retrieved Supports: Education
- Fact Book, Fall 2024 · El Paso Community College · retrieved Supports: Education
- Route 205 Mesa Brio, 206 Alameda Brio, 207 Dyer Brio and 208 Montana Brio schedules (current) · Sun Metro · retrieved Supports: Transit system
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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%
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- Primary Mortgage Market Survey, 24 September 2026 · Freddie Mac · retrieved Supports: A 30-year fixed-rate mortgage averaging 7.03%, up from 6.95% the week before and 6.30% a year earlier
- 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
- 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
- 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
- Renters insurance in Texas · NerdWallet · retrieved Supports: An average Houston renters premium of $167 a year for $30,000 of personal property
- 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
- 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
- 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
- About Houston: education · City of Houston · retrieved Supports: Houston ISD serves 312 square miles with 288 schools
- 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
- 2025 was a year of transformation and change for HCC · Houston City College · retrieved Supports: The college publishing under the name Houston City College
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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%
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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