St. George vs Houston for Nurses (2026)
Scroll down for travel nurse analysis, rent burden, and FAQ.
Your move simulator
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Estimated annual swing
−$3,172/yr
Favoring Houston for this income & household (illustrative).
With the extra $264/mo, you could pay down a $15,000 card balance in ~57 months and still keep ~$32/mo for dining out.
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High-yield savings
Park ~$3,172/yr savings at 4–5%+ APY
Even $264/mo extra earns meaningfully at 4–5% APY vs near-zero in checking.
Travel nursing edge
Houston: maximize take-home on your next contract
Travel nurses in Houston often keep more after housing stipends with no state income tax.
Home + auto bundle
New state — compare rates before you sign
Moving to Houston resets your insurance profile. Bundling home + auto often saves 15–25%.
Nurse salary cost breakdown
| Metric | St. George Utah | Houston Texas | Your impact |
|---|---|---|---|
| State income tax | 4.7% | NoneBetter | $3,525/yr saves in Houston |
| Est. monthly take-home ($82.75K RN) | $6,572 | $6,896Better | — |
| 1BR rent / month | $1,300Better | $1,350 | $600/yr saves in St. |
| 1BR rent burden | 20%Better | 20% | — |
| Internet / month | $63Better | $65 | — |
| Monthly utilities | $148Better | $175 | $324/yr saves in St. |
| Walk score | 22 / 100 | 49 / 100Better | — |
| Overall COL index (100 = US avg) | 96 | 95Better | — |
Your biggest money opportunities based on this comparison.
Nurse tax savings
Houston saves ~$324/mo on a nurse salary
No-tax states are especially powerful for nurses and travel nurses. Put that extra take-home in a high-yield savings account.
Savings potential
Houston: ~$4,786/mo after rent & living
Nurses with strong take-home can build wealth fast. Compare brokers and robo-advisors to put it to work.
Complete the Picture
While you’re comparing — don’t leave money on the table.
Mortgages
See what you can afford in Houston
Compare rates from top lenders before your move — pre-approval is free and won't affect your score.
Home & Auto Insurance
Bundle before you move — save 15–25%
New state means new rates. Lock in Houston homeowners + auto quotes before your move date.
Moving Rewards Card
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Average family spends $6,200 on a move. These cards pay 2–4% back + 0% intro APR on purchases.
Frequently asked questions
Which city is better for nurses — St. George or Houston?
For nurses, Houston is the stronger choice based on take-home pay after taxes, rent burden, and cost of living. The key differentiator is state income tax: Houston has no state income tax. For travel nurses specifically, no-income-tax states are especially valuable since housing stipends are already tax-exempt — earning more in a no-tax state can be worth $3,000–$6,000/year more in take-home pay.
How much take-home pay does a nurse earn in St. George vs Houston?
Based on the national average RN salary of $82,750/year, a nurse in St. George (4.7% state income tax) takes home approximately $6,572/month. In Houston (no state income tax), take-home is $6,896/month — a difference of $324/month or ~$3,888/year. Note: this calculation uses state income tax only; federal taxes are not included.
What percentage of a nurse's income goes to rent in St. George vs Houston?
Financial advisors recommend keeping housing under 30% of gross income. In St. George, rent consumes 20% of a nurse's monthly take-home — very affordable, leaving significant room to save. In Houston, rent burden is 20% — very affordable.
Is St. George or Houston better for travel nurses?
Travel nurses on assignment typically receive a base wage PLUS a tax-free housing stipend (usually $1,500–$3,000/month) that covers housing costs. For travel nurses, the state income tax on the base wage is the primary cost difference. Houston is more advantageous. The housing stipend covers most rent — so the $324/month tax difference goes directly into savings, compounding over a 13-week assignment to $972 extra in take-home.
How does the cost of living affect a nurse's purchasing power in St. George vs Houston?
A $82,750 nurse salary in Houston (COL 95) has the equivalent purchasing power of $83,621 in St. George (COL 96). The lower-cost city effectively gives nurses a ~1% raise with no salary negotiation required — more savings, faster debt payoff, and greater financial flexibility.
Nurse salary based on national median RN wage ($82,750/year, BLS 2024). Take-home calculated using state income tax rate only; federal taxes not included. Travel nurse stipend rules vary by assignment and employer. Data: BLS, Zillow, Tax Foundation · Q1 2026