Houston vs Billings for Families (2026)
A family-focused comparison of housing, income, taxes, and overall affordability in Houston, TX vs Billings, MT.
- 2BR rent: $1,600/mo in Billings vs $1,700/mo — 6% difference
- More affordable homeownership in Houston: $280K median vs $320K
- Higher median household income in Billings: $60K/yr vs $56K
- Houston has no state income tax — more take-home for family expenses
Family cost comparison
| Metric | Houston Texas | Billings Montana |
|---|---|---|
| 2BR rent/month | $1,700 | $1,600Better |
| Median home price | $280KBetter | $320K |
| Median household income | $56K | $60KBetter |
| Est. childcare/month | $1,235 | $1,157Better |
| State income tax | NoneBetter | 6.8% |
| Sales tax (combined) | 8.3% | 0%Better |
Frequently asked questions
Which city is better for raising a family — Houston or Billings?
Based on housing costs, income, and taxes, Billings scores slightly better for families overall. Billings has lower 2-bedroom rents, Houston is more affordable for homebuyers, though both cities have strong family communities.
What is the average 2-bedroom rent in Houston vs Billings?
As of Q1 2026, median 2BR rent is $1,700/month in Houston and $1,600/month in Billings. Billings is 6% cheaper for a 2-bedroom apartment.
Can a family afford to buy a home in Houston or Billings?
The price-to-income ratio in Houston is 5.0× ($280K home, $56K income) vs 5.3× in Billings. A ratio below 3× is generally considered affordable. Houston is more achievable for first-time family homebuyers.
How much does childcare cost in Houston vs Billings?
Based on cost-of-living indices, estimated childcare (infant/toddler) runs approximately $1,235/month in Houston and $1,157/month in Billings. These are estimates — actual costs vary by provider and program type.
Which city has lower taxes for families?
Houston (Texas) has no state income tax vs Billings's 6.8% rate. For a dual-income family earning $120K combined, the difference can mean $408+/month in take-home.
Childcare estimates based on national average scaled by COL index. Data: Zillow, BLS, Numbeo, Tax Foundation · Q1 2026
See full side-by-side comparison
All cost categories including groceries, utilities, and leisure.