Monthly Budget in Houston for a Family of Four
What it costs two adults, two children to live in Houston, TX in 2026.
$4,508
Total Monthly
$10,018
Salary Needed
96
Cost Index
Complete Monthly Budget
| Category | Expense | Monthly Cost |
|---|---|---|
| Essential | Rent (3BR apartment) | $1,728 |
| Essential | Groceries & household supplies | $98 |
| Essential | Utilities (electric, gas, water) | $34 |
| Essential | Transportation (gas, transit, maintenance) | $65 |
| Essential | Car insurance | $357 |
| Essential | Health insurance (family plan) | $140 |
| Lifestyle | Internet & streaming | $72 |
| Lifestyle | Phone plan (4 lines) | $238 |
| Lifestyle | Dining out & takeout | $336 |
| Lifestyle | Entertainment & recreation | $288 |
| Essential | Childcare (2 children) | $1,152 |
| Essentials Subtotal | $3,574 | |
| Lifestyle Subtotal | $934 | |
| Total Monthly Budget | $4,508 |
💡 Salary Needed: To live in Houston as two adults, two children with a 20% savings margin, you need approximately $10,018/year before taxes.Check affordability →