đź“Š Lifestyle Match
Visualizing the tradeoffs between Westerly CDP and Houston
Head-to-Head Analysis
Westerly CDP vs Houston
Detailed breakdown of cost of living, income potential, and lifestyle metrics.
đź“‹ The Details
Line-by-line data comparison.
| Category / Metric | Westerly CDP | Houston |
|---|---|---|
| Financial Overview | ||
| Median Income | $82,333 | $62,637 |
| Unemployment Rate | 4.3% | 4.8% |
| Housing Market | ||
| Median Home Price | $400,200 | $335,000 |
| Price per SqFt | $null | $175 |
| Monthly Rent (1BR) | $1,362 | $1,135 |
| Housing Cost Index | 98.9 | 106.5 |
| Cost of Living | ||
| Groceries Index | 97.0 | 103.4 |
| Gas Price (Gallon) | $3.40 | $2.35 |
| Safety & Lifestyle | ||
| Violent Crime (per 100k) | 159.5 | 912.4 |
| Bachelor's Degree+ | 38% | 37.1% |
| Air Quality (AQI) | 34 | 44 |
Expert Verdict
AI-generated analysis based on current data.
Houston vs. Westerly CDP: The Ultimate Head-to-Head Showdown
Welcome to the clash of the titans—or, more accurately, the clash of a sprawling concrete jungle versus a charming coastal hamlet. You're standing at a crossroads, trying to decide between the fourth-largest city in America and a picturesque Census-Designated Place (CDP) in Rhode Island. It’s a classic big-city hustle versus small-town soul debate. We’re here to cut through the noise with hard data and real talk to help you pick your perfect home base. Grab a coffee; let’s dive in.
The Vibe Check: Concrete Jungle vs. Coastal Charm
Houston is a beast of a city. It's a sprawling, diverse, and relentless economic engine where culture, food, and opportunity collide on a massive scale. Think world-class museums, a legendary food scene (from barbecue to Viet-Cajun), and a "live and let live" vibe. It’s a city for the ambitious, the foodie, and the one who believes bigger is better. The pace is fast, the energy is high, and the sprawl is real. If you crave anonymity, endless options, and 24/7 activity, Houston is your playground.
Westerly CDP is the definition of a classic New England coastal town. Nestled in Washington County, it’s part of the "South County" region, known for its stunning beaches, historic downtown, and a laid-back, seasonal rhythm. The vibe is quintessential seaside—think sailboats, ice cream shops, and a tight-knit community where you might know your neighbor's name. It’s a haven for those who prioritize quality of life, natural beauty, and a slower, more intentional pace. If your dream involves walking to the beach, supporting local artisans, and escaping the urban grind, Westerly is calling your name.
Who is each city for? Houston is for the go-getter, the culture vulture, and the family seeking big-city amenities and a lower cost of living. Westerly is for the retiree, the remote worker craving tranquility, and the one whose heart beats to the rhythm of the tides.
The Dollar Power: Where Does $100k Feel Like $100k?
This is the million-dollar (or maybe $100k) question. Let’s talk purchasing power. The data paints a clear picture: while Westerly’s median income is higher, Houston’s cost of living structure is a game-changer.
The Cost of Living Breakdown
| Category | Houston, TX | Westerly CDP, RI | Winner (Bang for Your Buck) |
|---|---|---|---|
| Median Home Price | $335,000 | $400,200 | Houston |
| Rent (1BR) | $1,135 | $1,362 | Houston |
| Housing Index | 106.5 (above nat'l avg) | 98.9 (near nat'l avg) | Westerly |
| Groceries/Utilities | Slightly below nat'l avg | Slightly above nat'l avg | Houston |
Salary Wars: The Texas Tax Advantage
Here’s the kicker: Texas has a 0% state income tax. Rhode Island does not. That’s a massive, immediate boost to your take-home pay. Let’s break down a $100,000 salary.
- In Houston, TX: Your take-home pay is significantly higher due to no state income tax. You keep more of every dollar you earn. Combined with the lower median home price and rent, your $100,000 stretches dramatically further.
- In Westerly, RI: You’re subject to Rhode Island’s state income tax (up to 5.99% for that bracket). On a $100k salary, that’s nearly $6,000 less in your pocket annually before you even factor in the higher housing costs.
Verdict on Purchasing Power: It’s not even close. Houston is the clear winner. The combination of no state income tax, lower median home prices, and lower rent means your salary goes much, much further. You could potentially afford a larger home or save more aggressively in Houston on the same income. Westerly’s higher median income is a reflection of its cost structure, but the tax burden and housing costs eat into that advantage.
The Housing Market: Buy, Rent, or Wait?
Houston: A Buyer’s Market (With Caveats)
Houston’s housing market is vast and complex. With a median home price of $335,000, it’s more accessible than many major metros. The inventory is generally better than in cities like Austin or San Francisco, meaning you have more options and less frantic bidding wars. However, the "sprawl" is a real factor. For $335,000, you’ll likely be in the suburbs (Katy, The Woodlands, Sugar Land). To be inside the coveted 610 Loop or near Midtown, you’ll pay a premium. The market is competitive but not cutthroat.
Westerly CDP: A Tight, Competitive Market
Westerly’s median home price sits at $400,200, which is higher than Houston’s despite a smaller population. This is classic coastal real estate economics: limited land, high demand, and the allure of the ocean. The market is often a seller's market, especially for homes near the water or in the historic downtown. Inventory is low, and desirable properties can move fast. Renting is also pricier ($1,362 for a 1BR) due to seasonal demand from vacationers and a tight housing stock.
Verdict: For a first-time homebuyer or someone seeking space, Houston offers more options and better value. If you have a higher budget and are set on coastal living, Westerly is possible but requires patience and a competitive edge.
The Dealbreakers: Quality of Life Under the Microscope
Traffic & Commute: The Grind vs. The Cruise
- Houston: Infamous for its traffic. The city is built for cars, and the commute can be brutal. The average commute time is around 28 minutes, but it can easily double during rush hour. Public transit (Metro) exists but is limited in coverage and reliability. Car ownership is non-negotiable.
- Westerly: This is a small town. You can get from one end to the other in under 15 minutes. The commute is negligible. Traffic jams are rare and usually caused by a summer tourist influx. Walking or biking is a viable option for many daily errands.
Weather: Humidity vs. Nor'easters
- Houston: The weather is a year-round conversation. Summers are long, hot, and brutally humid (think 90°F+ with a heat index pushing 100°F+). Winters are mild (average low of 46°F), but you can get cold snaps. The real threat is hurricane season (June-November), with the risk of flooding and power outages.
- Westerly: A classic New England climate. Summers are idyllic and mild (average high in the 70s-80s). Winters are cold, with average lows around 28°F and snowfall. You’ll deal with nor'easters (coastal storms) and the "shoulder season" (spring/fall) can be unpredictable. It’s a true four-season experience.
Crime & Safety: A Stark Contrast
This is perhaps the most significant data point. Using the provided violent crime rates per 100,000 people:
- Houston: 912.4 – This is more than 5.7 times higher than the national average. While crime is concentrated in certain areas, it’s a city-wide consideration. Safety varies dramatically by neighborhood.
- Westerly: 159.5 – This is significantly below the national average and reflects the small-town, lower-crime profile common in rural New England. It’s a statistically much safer environment.
Verdict on Quality of Life: It depends on your priorities. Westerly wins for safety, commute, and a stress-free daily routine. Houston wins for weather that doesn’t require a winter coat (if you can handle the heat/humidity) and the sheer volume of entertainment and dining options.
The Final Verdict: Which City Should You Choose?
After breaking down the data and the lifestyle, here’s the final call.
Winner for Families
Houston. The combination of more affordable housing (allowing for a larger home or yard), top-tier school districts (especially in the suburbs like Katy or Spring Branch), and unmatched kid-friendly amenities (museums, zoo, space center) is hard to beat. The lower cost of living also means you can save for college or extracurriculars more easily. Westerly’s schools are good, but the higher cost of living and limited activities for teens can be a drawback.
Winner for Singles & Young Professionals
Houston. The job market is massive and diverse, with strong sectors in energy, healthcare, tech, and finance. The social scene is vibrant, with a legendary nightlife, restaurants, and networking opportunities. On a $100k salary, you can live well—perhaps in a trendy apartment in Midtown or the Heights—and still have disposable income for fun. Westerly’s social scene is quieter, and while remote work is a boon, the in-person professional networking is sparse.
Winner for Retirees
Westerly CDP. This is a no-brainer for the right retiree. If you prioritize safety, a peaceful environment, natural beauty, and a close-knit community over big-city excitement, Westerly is idyllic. The slower pace, walkable downtown, and coastal charm offer a high quality of life. The higher cost of living and taxes are a trade-off for the serene setting. (Note: Houston also has great retiree communities, but Westerly’s specific appeal is undeniable for those seeking a coastal New England retirement.)
Final Pros & Cons
Houston: The Big City Beast
PROS:
- Unbeatable purchasing power with no state income tax.
- Diverse and affordable housing market (from urban condos to suburban family homes).
- World-class food, culture, and entertainment scene.
- Massive job market with opportunities across industries.
- No state income tax (worth repeating!).
- Mild winters.
CONS:
- High violent crime rate (do your neighborhood research).
- Brutal summer heat and humidity.
- Traffic congestion and long commutes; car-dependent.
- Hurricane and flood risk.
- Urban sprawl can feel disconnected.
Westerly CDP: The Coastal Haven
PROS:
- Very low violent crime rate and high safety.
- Stunning natural beauty (beaches, coastline, historic charm).
- Short commutes and walkable downtown.
- Strong, tight-knit community feel.
- Ideal for retirees and those seeking peace.
- Four distinct seasons with beautiful summers.
CONS:
- Higher cost of living (especially housing) relative to income.
- State income tax reduces take-home pay.
- Limited job market outside of tourism, retail, and seasonal work.
- Harsh winters with snow and nor'easters.
- Can feel "closed" or quiet in the off-season; limited amenities.
The Bottom Line: If you’re chasing opportunity, value, and a vibrant urban lifestyle, Houston is your champion. If you’re prioritizing safety, serenity, and a scenic, small-town escape, Westerly CDP is your sanctuary.
Data Sources: U.S. Census Bureau, FBI Crime Data, Zillow, AreaVibes, and local cost-of-living indices. Crime rates are based on the most recent available FBI Uniform Crime Reporting data per 100,000 inhabitants.