If you have large housing needs (family/etc.) I can see that, but as a single person renting I didn't find the pricing difference large enough to be worth choosing Texas just for the housing savings. Paid about $700/mo to rent a 1-bd in Houston, vs $1100 to rent a nicer 1-bd in Santa Cruz, near the beach. Sure, that's almost $5k savings over a year in Houston, but you're not going to retire on an extra $5k. Well more like $4k savings overall once you take into account the extra electric bill I had in Houston, running the A/C for 7-8 months of the year.