Concord vs Houston
Cost of Living Comparison · 2026 Data
Concord
Houston
💡 The Verdict
Concord is 4% cheaper than Houston overall. A $75,000 salary in Concord is equivalent to $78,261 in Houston.
Category-by-Category Breakdown
Index values for Concord (left) vs Houston (right). National average = 100.
Detailed Price Comparison
Estimated item-level prices in Concord versus Houston. Differences shown from Concord perspective.
| Item | Concord | Houston | Difference |
|---|---|---|---|
| 1-Bed Rent | $840/mo | $1,020/mo | $-180.00 |
| 2-Bed Rent | $1,200/mo | $1,400/mo | $-200.00 |
| 3-Bed Rent | $1,570/mo | $1,920/mo | $-350.00 |
| Bread (loaf) | $2.48 | $2.51 | $-0.03 |
| Milk (gallon) | $3.18 | $3.58 | $-0.40 |
| Eggs (dozen) | $2.90 | $3.08 | $-0.18 |
| Coffee (latte) | $4.94 | $5.55 | $-0.61 |
| Gas (gallon) | $3.14 | $3.49 | $-0.35 |
| Restaurant Meal | $16.28 | $13.18 | +$3.10 |
💰 Salary Equivalence
A $75,000 salary in Concord has the same purchasing power as $78,261 in Houston.
Conversely, $75,000 in Houston equals $71,875 in Concord.
💼 Take-Home Pay Comparison
Estimated annual take-home pay on a $75,000 salary after federal, FICA, and state income taxes.
The $3451 difference is driven by North Carolina having a higher state income tax rate. North Carolina details → · Texas details →
Reading These Numbers: Concord (92) vs Houston (96)
Concord at 92 is 8% below the US average, while Houston at 96 is 4% below average. The cost difference between these cities is relatively modest.
In Concord, the composite index of 92 reflects a weighted calculation where housing carries the most influence at 87, followed by groceries (85), utilities (90), transportation (91), and healthcare (89). Costs are fairly balanced across categories.
For renters: With median rents of $1,200/mo in Concord and $1,400/mo in Houston, the annual rent difference is approximately $2,400.0. Over a 5-year period, that compounds to $12,000.0 in savings by choosing the more affordable city.
For homebuyers: The $13,000.0 difference in median home prices between Concord and Houston translates to meaningful differences in mortgage payments at current rates. Factor this into your budget alongside property taxes and insurance, which also vary by location.
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Making Your Decision: Concord vs Houston
Choosing between Concord and Houston involves more than just comparing index numbers. Consider how each category aligns with your personal spending patterns. If you work from home, transportation costs matter less than housing and utilities. If you eat out frequently, the groceries index may understate your actual food spending — look at the restaurant meal prices in the detailed comparison table above instead.
Long-term affordability in Concord versus Houston depends partly on cost trajectory. Cities experiencing rapid population growth tend to see costs rise faster than established metros where supply has caught up with demand. While our index captures current conditions, consider whether the city trending cheaper today might converge toward average over the next five to ten years as more people discover it. Our quarterly updates help track these shifts over time.