What does the Harris County, TX vs Hillsborough County, FL comparison show?

It compares estimated living costs by category, including housing, food, transportation, healthcare, childcare, other necessities, taxes, and income context.

Can I change the salary and family type?

Yes. The comparison calculator supports salary and family type inputs so you can model costs for different households.

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Harris County, TX vs Hillsborough County, FL: Cost of Living Difference

Name: WatchPennies cost of living dataset
Creator: WatchPennies

Is it cheaper?

Harris County, TX is cheaper than Hillsborough County, FL.

Moving to Hillsborough County, FL is estimated to cost $10,717 more per year.

Cheaper County

Harris County, TXSpend $10,717 more per year.

Salary needed

$50,000 in Harris County, TX is about $61,225 in Hillsborough County, FL.

Biggest drivers

Housing increases by $4,986 per year. Transport saves $45 per year.

Housing: $4,986 higher in Hillsborough County, FL

Taxes: $2,506 higher in Hillsborough County, FL

Childcare: about the same in both counties

Healthcare: $847 higher in Hillsborough County, FL

Food: $669 higher in Hillsborough County, FL

Transport: $45 lower in Hillsborough County, FL

Harris County, TX→Hillsborough County, FL

Equivalent salary in Hillsborough County, FL

$61,225

+22.45% higher

Current salary: $50,000

Household: 1 adult · 0 children

Median Income in Harris County, TX: $86,227

Median Income in Hillsborough County, FL: $91,253

Living Index in Harris County, TX 55.36%

Living Index in Hillsborough County, FL 64.06%

This estimate matches your purchasing power (equivalent salary) when moving from Harris County, TX to Hillsborough County, FL.

* Living index is estimated as (estimated total cost / area median income) * 100. A living index above 100% means modeled costs exceed median income.

Cost of Living Breakdown by Category

Summary

Moving from Harris County, TX to Hillsborough County, FL is estimated to cost $10,717 more per year. To maintain similar purchasing power, a $50,000 salary in Harris County, TX would need to be about $61,225 in Hillsborough County, FL. The biggest increase is housing, followed by taxes.

This is a 22.45% increase in modeled annual costs. Housing is $4,986 per year higher (34.8%); Taxes is $2,506 per year higher (33.43%).

Below we break down the annual categories behind the difference using Economic Policy Institute 2026 Family Budget data.

What changed the most?

The following cards show the annual category differences that most affect the move to Hillsborough County, FL.

Biggest Cost

Largest annual cost increase when moving to Hillsborough County, FL

Annual Increase:

$4,986 per year

HOUSING has the largest annual increase when moving to Hillsborough County, FL.

Biggest Savings

Largest annual savings when moving to Hillsborough County, FL

Annual Savings:

$45 per year

TRANSPORT has the largest annual savings when moving to Hillsborough County, FL.

Breakdown of price percentages per category.

Numbers are average costs per section.

Category	Difference
Housing	34.80% higher
Harris County, TX Hillsborough County, FL Average Cost $14328.00 $19314.00 INFO: Housing costs are based on Department of Housing and Urban Development data. The estimate uses 40th percentile rent for privately owned rental units in each area. Studio apartments are paired with one-adult households, one-bedroom apartments with two-adult households, and two-bedroom apartments with households that have children.
Food	17.57% higher
Harris County, TX Hillsborough County, FL Average Cost $3808.00 $4477.00 INFO: Food costs are based on the U.S. Department of Agriculture's food plans. Numbers are normalized to each area using Feeding America and Meal Gap data. This estimate assumes most food is bought at local grocery stores and prepared at home.
Transport	-0.38% lower
Harris County, TX Hillsborough County, FL Average Cost $11735.00 $11690.00 INFO: Transportation costs are a combination of auto ownership, auto use, and public transit. Data is collected from the Center for Neighborhood Technology (CNT).
Healthcare	17.87% higher
Harris County, TX Hillsborough County, FL Average Cost $4740.00 $5587.00 INFO: Healthcare expenses come from average insurance premiums and out-of-pocket costs. The estimate assumes families purchase the lowest-cost available insurance plan under the Affordable Care Act. Data comes from Kaiser Family Foundation and the U.S. Department of Health and Human Services (HHS).
Other Costs	31.17% higher
Harris County, TX Hillsborough County, FL Average Cost $5631.00 $7386.00 INFO: This cost is calculated through the average spending of categories deemed necessary by the Bureau of Labor Statistics Consumer Expenditure Survey. These include apparel, personal care, household supplies, reading materials, and school supplies.
Childcare	0.00% higher
Harris County, TX Hillsborough County, FL Average Cost $0.00 $0.00 INFO: Childcare expenses are based on combined costs for center-based care and family-based care for 4-year-olds and school-aged children. For households with one child, the estimate assumes the child is 4 years old. For households with two children, the estimate assumes the second child is 8 years old.
Taxes	33.43% higher
Harris County, TX Hillsborough County, FL Average Cost $7496.00 $10002.00 INFO: Taxes are calculated from the National Bureau of Economic Research. The number weighs in personal income tax, state income tax, federal Social Security, and Medicare taxes.

In Hillsborough County, FL, modeled annual costs are $58,456 compared with $47,739 in Harris County, TX.

Overall, annual costs are higher in Hillsborough County, FL. The category breakdown above shows whether housing, taxes, transportation, healthcare, food, childcare, or other necessities are driving the increase.

In this case Hillsborough County, FL and Harris County, TX are both metropolitan locations.

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