Can a Surgeon afford to live in Houston?

Excellent87% of take-home left to save — you can save aggressively here.
Median salary (gross)
Surgeon · Houston
$407,146
Income tax (~36% effective)
United States
– $144,595
Take-home pay
$21,879/mo
$262,551
Living costs (1 person)
$2,740/mo · derived
– $32,880
Savings potential
$19,139/mo · 87% of take-home
$229,671

Single professional, after-tax. Salary − tax − living costs = what you could save each year.

Full salary breakdown →Is this a good salary in Houston? →Compare Houston with another city →

How we calculated this

• Salary: BLS OES median for Surgeon, adjusted for Houston.

• Tax: United States single-filer effective rate (~36%). Official calculator.

• Living costs: derived from cost-of-living index for a single professional.

Planning estimates, not financial or tax advice. Updated 2026. Your situation will differ.