How Houston startups, small businesses can prep for storm interference

guest column

As we head into hurricane season, here's what entrepreneurs should know, according to an expert. Photo via Getty Images

Disasters, emergencies, and pandemics can cause monumental disruptions for businesses.

So, as we enter hurricane season, now is the time to think about how to protect your business and your customers. The 2022 Atlantic hurricane season was among the most damaging in modern history, producing 14 named storms, including 8 hurricanes.

Regardless of whether your business is in the path of devastating hurricanes, tornados, or flash flooding - connectivity is critical.

Below are tips to help your business, employees and customers stay connected.

Set up a call-forwarding service to a predetermined backup location

Set up a single or multiple hotline number(s) for employees, employees’ families, customers, and vendors to call so that all parties know about the business situation and emergency plan.

Protect hardware/software/data records/employee records, etc.

Routinely back up files to an off-site location. Cloud services can remove the burden of offsite data storage and ensure faster recovery from temporary or remote locations.

Stay Connected with Your Team

Save smartphone’s battery life. In case of a power outage, encourage your employees to keep their phones in power-save mode, turn off Bluetooth and Wi-Fi, delete apps, or put the phone in Airplane Mode.

Keep mobile devices charged. Have another way to charge smartphones if the power goes out. A car charger or back-up battery pack can come in handy.

Keep mobile devices dry. Mobile phones can be a critical lifeline during a storm. To protect yours, store it in a water-resistant case, floating waterproof case, or plastic bag.

Outline detailed plans for evacuation and shelter-in-place plans

Establish a backup location for your business and a safe meeting place for all employees.

Create a remote access plan

Equip business-critical staff with remote work access in advance, so they can access applications and databases from remote locations, when connectivity is restored.

Assemble a crisis-management team

Coordinate efforts with neighboring businesses and building management

AT&T has also created a planning guide to help businesses navigate protecting critical assets, processes and services, with checklists for short and long-term preparations. For example, negotiating vendor contracts and/or lease agreements necessary to acquire equipment and services in the event of a significant disruption or disaster.

The cost of developing a business continuity plan and groundwork to support it is minimal compared to the financial impact once disaster strikes.

AT&T has invested billions to strengthen the resiliency of our network to ensure our business customers keep operating during disruptions when consumer needs and demand are at an all-time high. We back up equipment at cell sites and invest in infrastructure to boost reliability, coverage, speed, and performance.

Our goal is to keep you connected to critical processes, applications, data, work centers, and networks during major emergency events, so your business continues to run.

The 2023 hurricane season will officially begin on June 1 and it only takes one big storm to cause major destruction. Take the time to ensure your business is disruption ready.

Afterall, planning is best done in advance.

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Mark Spelman is director of sales at AT&T Business – Houston.

Who let the robotic dogs out? AT&T — and a Houston expert explains why in a guest column. Photo via Getty Images

Why this company adopted robotic dog technology

guest column

What has 4 legs, can recognize your face, and precisely obey commands on cue? If you guessed a dog, you’re half right.

I’m referring to robotic dogs, a modern marvel of innovative engineering. AT&T recently expanded our solution offers to include network-connected robotic dogs for public safety, defense, federal and state agencies, local police and fire departments, and commercial customers. We do this in collaboration with a leading provider of robotic dogs, Ghost Robotics.

Robotic dogs are just one way we are proving the innovation and transformational possibilities of 5G and IoT. Network-connected robotic dogs can deliver a broad range of IoT use cases, including many that have previously required putting personnel in dangerous situations. Here’s a quick look at some of the fantastic capabilities network-connected robotic dogs deliver.

  • Our robotic dogs can support public safety agencies and organizations on FirstNet – the nation’s only network built with and for America’s first responders. FirstNet delivers always-on prioritized network connectivity for these “first responder” robotic dogs, helping them stay connected during disaster response and recovery, facilities surveillance, and security operations. They can support search and rescue, venture into areas that could imperil human lives, and support the ability to reestablish local communications services following major infrastructure damage.
  • We can integrate Geocast into the robotic dogs to provide Beyond-Visual-Line-of-Sight (BVLOS) operational command and control so that operators of the dogs can be located virtually anywhere in the world and remotely operate them. Geocast is an AT&T innovation covered by 37 patents.
  • The robotic dogs can be equipped with sensors that allow them to operate autonomously without human intervention. They can be outfitted with drones that can launch and return to their backs while in motion, allowing the drones and dogs to perform missions as an integrated team.
  • Rugged terrain? Water? Not a problem. These robotic dogs can move across natural terrain, including sand, rocks, hills, rubble, and human-built environments, like stairs. They can operate fully submerged in water and, like living dogs, can swim.
  • An early use case adopted by the military involves equipping our robotic dogs with wireless network-connected cameras and deploying them to patrol military bases. Robotic dogs we provided to the Air Force at Tyndall Air Force Base in the Florida panhandle are doing just that. Our robotic dogs patrol the flight line and base perimeter at Tyndall, feeding video data in real-time to base personnel who can safely track activity 24/7/365 and support the safety of base operations. They can perform the same task for commercial users, indoors or outdoors. For example, they can patrol the perimeters of large warehouses or outdoor fence lines.
  • They can also support hazmat efforts, inspect mines and high-voltage equipment, and detect explosive devices including improvised explosive devices (IEDs): all while keeping people out of harm’s way.
  • Another interesting use case involves equipping robotic dogs with Long Range Acoustic Devices (LRADs). LRADs are sound cannons that produce noise at high decibels and varying frequencies. We have discussed with the Navy the possibility of outfitting our robotic dogs with sound cannons to warn off wild boars and feral dog packs that have impeded operating crews working on telecommunications infrastructure located in remote areas of one of its bases.

Commercial applications for network-connected robotic dogs are proliferating. Utility companies, for example, are using robotic dogs equipped with video cameras to perform routine equipment inspections in substations. Human inspection requires operators to shut down the facilities during inspections; the robotic dogs eliminate the need to take this precaution. Allied Market Research projects a $13.4 billion global market for the particular use case of robotic dogs performing such inspections.

Our robotic dogs can also be equipped with technology that extends network connectivity into difficult-to-reach areas or mechanical arms that can grip and carry materials such as tools. Their use cases include Pick and Pack capabilities for warehouse operations to improve order fulfillment efficiency.

And this is just the beginning. We’ve said from the outset that the 5G journey of innovation and solution development would evolve to deliver new ways to conquer many challenges.

Now, we’ve let the dogs out.

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Lance Spencer is a client executive vice president of defense at AT&T Public Sector.

This week's roundup of Houston innovators includes Luis Silva of AT&T, Devin Dunn of TMC Innovation, and Eric Anderson of SynMax. Photos courtesy

3 Houston innovators to know this week

WHO'S WHO

Editor's note: In this week's roundup of Houston innovators to know, I'm introducing you to three local innovators across industries — from health tech to data analytics — recently making headlines in Houston innovation.


Luis Silva, vice president and general manager at AT&T

Not everyone is as holly jolly amid the holidays. Image courtesy

In a guest column, Luis Silva, Houston-based vice president and general manager at AT&T, cautions that the holiday season is prime time for hackers and cyber security threats.

"The good news is you can protect yourself from scams and fraud," he writes. "Just remember that cybercriminals don’t discriminate, they can prey on anyone."

In his article, Silva shares the top five ways to guard against cyberthreats. Read more.

Devin Dunn, head of TMC's HealthTech Accelerator

Devin Dunn leads TMC's HealthTech Accelerator, which is getting ready to welcome its next cohort in January. Photo via TMC.edu

Earlier this year, Devin Dunn joined TMC Innovation as head of TMC's HealthTech Accelerator, a career move that represented Dunn's move to a different side of the startup world. As an early employee at London-based Huma, Dunn was instrumental in growing the health tech company from its early stages to international market expansion.

"I really like working with the dreamers and helping them work backwards to (figure out) what are the milestones we can work toward to make the grand vision come true in the future," Dunn says on the Houston Innovators Podcast. "The opportunity to work with different founders on that same journey that we had been through was really appealing." Read more.

Eric Anderson, CTO of SynMax

Houston-based SynMax has closed its first round of funding. Photo courtesy

A Houston-based satellite data analytics company is celebrating an oversubscribed round of recent funding. SynMax announced this week that it closed its seed round at $6 million with an oversubscription of $2 million. The startup is providing geospatial intelligence software as a service to customers within the energy and maritime industries. The technology combines earth observation imagery and key data sources for predictive analytics and artificial intelligence.

Founded in 2021, SynMax is led by CTO Eric Anderson, who previously worked as an analyst at Skylar Capital, according to LinkedIn. Headquartered in Houston, SynMax is hiring employees from all over. Read more.

Not everyone is as holly jolly amid the holidays. Image via Getty Images

Houston expert shares tips for navigating cybersecurity challenges amid the holiday season

guest column

It’s a grinch's cyber-playground, and this holiday season, you’re at risk — even if you think it won’t happen to you.

The good news is you can protect yourself from scams and fraud. Just remember that cybercriminals don’t discriminate, they can prey on anyone.

These statistics may surprise you:

  • Anxiety about having a mobile device hacked differs by demographic; low-income Black women rank mobile security as their number one concern, while the general population ranks mobile security as their third largest concern, according to a recent Recon Analytics survey of more than 3,297 U.S. consumers.
  • 44 percent of millennials have been victims of online crime in the last year and 31 percent admit they share their passwords with others.
  • Romance scams resulted in the most financial losses for adults aged 60 and over
  • Younger consumers took fewest actions after being notified of a data breach affecting their identity/online accounts in Q1 2022
  • Nearly 50 percent of American gamers have experienced a cyberattack on their gaming account or device
  • 47 percent of women who live in cities say their identities and/or data has been compromised in the past 6 months due to lack of home internet protections, compared with 53 percent of city men who say the same thing, according to a recent Recon Analytics survey.

People everywhere, regardless of gender, race, income level, education, or age, deserve to feel safe online. And yet, many aren’t aware how to protect themselves, don’t make it a priority, or wait to act until they are alerted to suspicious activity.

With words like malware, phishing, spoofing, and encryption, learning to protect yourself can feel like a college-level course. But it doesn’t have to be that complicated.

Top 5 ways to guard against cyberthreats

By following five simple steps, you can start to protect your network, devices and data from many digital threats.

  1. Understand cyberattacks are real. One of the first hacks was documented in 1963 and today, nearly 60 years later, hackers are attacking phones and computers every 39 seconds. Cyberattacks continue to grow in number every year.
  2. Be proactive. Don’t wait for an attack to happen. Monitor your accounts daily so you are the first to know if suspicious activity is occurring. Check with your wireless carrier to see if they have tools to help. AT&T customers can download the free ActiveArmor mobile security app to help block spam calls and secure their personal data. And ask your internet provider about extra layers of security available to you at home. AT&T Fiber customers can access AT&T ActiveArmor internet security features at no additional cost to them.
  3. Step up your mobile security. Mobile devices now account for more than 60 percent of digital fraud. Mobile banking, online shopping, streaming videos and storing documents make our phones a central location for sensitive information. Your wireless carrier may be able to help. AT&T offers advanced security like Public Wi-Fi Protection, Identity Monitoring and Safe Browsing for no extra charge with some of our plans. Check with your carrier to make sure they’re doing what they can to keep you safe.
  4. Protect your passwords. We all know it’s necessary, but not all of us take steps to do it. 68 percent of people admit to using the same password across multiple logins. Using a strong password that differs from site-to-site will help decrease your chances of being hacked. If you struggle with passwords, consider getting a password manager.
  5. Report suspicious text messages. As mobile operators have more success blocking illegal robocalls, scammers have turned to text messages. But now it’s easier than ever to report spam texts to help block and control them. The latest iOS and Android operating systems have a simple reporting feature in their Apple and Google messaging apps.
Dedicate some time to safeguard your information this holiday season. For more cybersecurity resources (regardless of your carrier), visit att.com/CyberAware. If you or someone you know is new to computers or mobile devices, click here for more information on our free digital literacy courses.

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Luis Silva is vice president and general manager at AT&T.

New location technology will help get emergency responders closer to 911 callers if they are unable to describe their location. Photo courtesy of AT&T

Houston expert: New location-based tech is en route to saving lives

guest column

“911, what’s your location?”

It’s a phrase we’ve heard hundreds of times on TV shows and movies. In real life though, have you ever considered the possibility that this question — one that can mean the difference between life and death — may be hard for the caller to answer? In an emergency, you may not be able to speak. If you’re in a car accident, you may not know where you are. In a disaster, your surroundings may be confusing.

That’s where a new location-based routing feature we call “Locate Before Route” comes in. This summer, AT&T, in collaboration with Intrado, rolled out a first-of-its-kind 911 upgrade across the country that will make it easier for emergency personnel to find and send help to wireless callers.

Roughly 80 percent of 911 calls today are made from cell phones. Before location-based routing, a call would ping a cell phone tower and connect to the dispatch center closest to that tower. But here’s the thing: that cell tower could be up to 10 miles away. Imagine needing help in Deer Park but the dispatcher thinking you may be in Baytown. You could even be in a different county, making it difficult for dispatchers to pinpoint exactly where the call is calling from.

Here’s how it works:

Instead of pinging the closest cell tower, the GPS in your phone connects with the closest 911 dispatch center, meaning emergency operators can locate you within about 55 yards of your position. That’s about half a football field.

This kind of accuracy means public safety can respond faster, especially in situations when a 911 wireless caller doesn’t know or can’t disclose their location.

AT&T is the first wireless carrier to launch location-based routing for all 911 call centers nationwide, whether they’re operating on older technology or NextGen 911. The best part: AT&T customers across the country automatically have access to this service – no action is necessary.

AT&T’s commitment to public safety is longstanding. Following the events of September 11th, we worked to create FirstNet, – the only nationwide communications platform dedicated to public safety and first responders. With nationwide location-based 911 call routing, we are providing our customers with the quickest, most accurate way to call emergency personnel for help when it’s most needed.

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Luis Silva is vice president and general manager at AT&T.

"Hackers are getting ready, so you need to be ready, too." Photo via Getty Images

Houston expert: Prime times for cyber-attacks and how to stay protected

guest columns

October is cybersecurity awareness month. The topic might sound overwhelming, and it certainly can be, but there are a few easy ways we can educate and protect ourselves and our loved ones.

Be mindful of timing

Cyber actors target certain times to strike. Experts warn that holiday weekends like Thanksgiving are some of the most prolific times for scammers, who never take a vacation. They can defraud and monetize their actions with little effort.

Why?

During holiday weekends, many people make plans and shop -- online or on a mobile device -- and document their activities on social media. Holidays also come with an elevated amount of email and financial activity, all conveniently while people are "checked out" or traveling. Inboxes become overloaded with holiday messaging and deals.

Attacking someone's account can go unnoticed longer if that person is away from their computer. Or a hacker might execute a well-timed phishing attack for a Friday afternoon, right before someone goes on vacation.

Imagine planning a getaway to Galveston and an email arrives about your hotel confirmation or coupons to attractions at Pleasure Pier. Something like that might be ignored most of the time, but when you're amped up and packing your bags for vacation, it could be enticing.

Protect yourself 

Now that you have some context of when these attempts could happen, here are a few steps you can take now to protect yourself:


Don't click on suspicious links

If you don't know the sender of a text or email, don't open links they contain. Viruses and malware can start pulling information from your personal accounts. Some may look like they are coming from a friend or coworker. Or if the sender looks like a company you do business with and tells you to click a link or call a number, don't call, or click. Instead, call the customer service number on your regular bill and ask if the message is legitimate. In the case above, it may be an attempt to get personal information or scam you.

Remember, government agencies, banks, and other legitimate companies will never ask for personal or financial information, like usernames, passwords, PINs, or credit or debit card numbers by unsolicited text message. If someone calls asking for payment or personal information, tell them you'll call them back and go to the official website and call the real number to see if there is an actual issue.

Block spam calls

AT&T blocks or labels about 1 billion robocalls each month, and our patented, automated scanning helps block spam texts. So, while it may seem like your phone is ringing non-stop with spam calls and even spam texts, imagine how many are blocked. To reduce the number of annoying calls you get each day, find a good calling blocking app. The free AT&T Call ProtectSM app includes spam and automatic fraud call blocking, warns you of incoming nuisance calls, lets you customize your robocall protection and even create your own personal block list.

Become Cyber Aware

As hackers and their scams become more sophisticated, it can seem daunting to protect your accounts, devices and information. Don't despair. Learn how to outsmart the bad guys on att.com/cyberaware. You'll find timely news and information, a quiz to assess your personal risk, and valuable advice for real-life situations, such as what to do if you clicked, answered, or opened a potential scam.

With holiday season around the corner, keep in mind that you aren't the only one preparing for time off or a long weekend. Hackers are getting ready, so you need to be ready, too.

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Luis Silva is vice president and general manager at AT&T.

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Property Showcase

Houston claims 19% of Texas’ new live-work-play growth

by the numbers

In Texas, Houston is a big player in the live-work-play real estate movement.

A new 21-city analysis from coworking marketplace CoworkingCafe shows the Houston area added five live-work-play projects—mixed-use developments with residential, office and recreational components—over the past decade.

From 2016 to 2025, Houston accounted for 19 percent of Texas’ new live-work-play inventory, the analysis shows. Among the new local developments were Arrive Upper Kirby, St. Andrie, and The Laura:

  • Arrive Upper Kirby, which was sold in 2021 for $182 million, offers more than 61,000 square feet of retail and restaurant space adjacent to apartments and offices. The 13-story, 265,000-square-foot project was completed in 2017.
  • St. Andrie, a 32-acre, mixed-use community, was completed in 2019. The apartment-anchored development includes an H-E-B grocery store and 37,000 square feet of office space.
  • The Laura, spanning 110,000 square feet, was completed in 2023. Among the apartment complex’s amenities is a coworking space.

According to Northspyre, a software provider for real estate developers, live-work-play projects enable people to meet their needs, such as housing, workplaces, stores, restaurants, and recreation facilities, in a single place.

A total of 542 live-work-play developments opened between 2016 and 2025 in the 21 cities, with another 69 in the pipeline for 2026, CoworkingCafe says. Among major markets, New York City made up the largest share (119) of new live-work-play developments from 2016 to 2025.

The Houston area’s five projects were built in 2018, 2019, 2020, 2024, and 2025, CoworkingCafe data indicates, with another project scheduled for completion next year. The Greater Houston Partnership recently highlighted four mixed-use projects taking shape in the region, but only one of them is scheduled to be finished in 2027. It can take two to five years or more to complete a mixed-use development.

Of the five Houston developments finished in the past decade, 56 percent of the space went toward multifamily units, 29 percent toward offices, and 16 percent toward retail, CoworkingCafe says.

As noted by the Houston-Galveston Area Council, economic development in the 21st century “is about cultivating quality live-work-play environments that attract, retain, and grow a diverse and skilled population. Employers and businesses are increasingly choosing to make long-term investments in places that connect and engage people to strengthen economic competitiveness and promote innovation.”

With eight completed projects, Austin led construction of live-work-play developments in Texas from 2016 to 2025, according to CoworkingCafe. Dallas, which welcomed five live-work-play developments during that period, tied with Houston. San Antonio data wasn’t available.

Rice Business Plan Competition awards $1.4M to 2026 student teams

winner, winners

Editor's note: This article has been updated to correct the total amount of investment and cash prizes awarded at the RBPC and with additional information from Rice.

Another team from the Great Lakes State took home top honors and investments at this year's Rice Business Plan Competition.

BRCĒ, a material-tech startup from Michigan State University, took home the top-place finish and the largest investment total at the annual Houston event. It has developed Lattice-Grip technology to create utility-based polymers that can replace traditional fabric. The materials are stronger, fire-resistant and more stable than traditional textiles, according to the company. Last year, the University of Michigan's Intero Biosystems won first-place finish and the largest investment total of $902,000.

In total, the RBPC doled out more than $1.4 million in investment and cash prizes, according to Rice. Over the three-day event, held April 9-11, the 42 competing startups presented their business plans to 300 angel, venture capital and corporate investors. Seven finalists were selected.

Three Texas teams, including one from Houston, were named among the finalists. Here's who won big this year, with their investment totals and some of their awards listed below.

BRCĒ, Michigan State University — $611,500

The recent Shark Tank alum finished in first place for its utility-based polymers technology.

  • $200,000 Goose Capital Investment Grand Prize
  • $100,000 The OWL Investment Prize
  • $100,000 Houston Angel Network Investment Prize
  • $75,000 The Indus Entrepreneurs (TiE) Texas Angels Investment Prize
  • $50,000 nCourage Investment Network’s Courageous Women Entrepreneur Investment Prize
  • $25,000 New Climate Ventures Sustainable Investment Prize
  • $20,000 Aramco Innovator Cash Prize
  • $1,000 Anbarci Family Company Showcase Prize
  • $500 Mercury Fund Elevator Pitch Competition Prize – Consumer Hard Tech

Legion Platforms, Arizona State University — $535,500

The startup won second place for its multiplayer gaming platform that can be accessed with slow internet speeds.

  • $100,000 Anderson Family Fund & Finger Interests Second Place Investment Prize
  • $200,000 Goose Capital Investment Prize
  • $100,000 The OWL Investment Prize
  • $25,000 Pearland EDC Spirit of Entrepreneurship Cash Prize
  • $500 Mercury Fund Elevator Pitch Competition Prize – Consumer

Imagine Devices, University of Texas at Austin — $111,000

The pediatric medical device company won third place for its multifunction neonatal feeding tube, known as Trinity Tube

  • $50,000 Anderson Family Fund & Finger Interests Third Place Investment Prize
  • $25,000 Pearland EDC Spirit of Entrepreneurship Cash Prize
  • $25,000 The Eagle Investors Investment Prize
  • $1,000 Anbarci Family Company Showcase Prize

Altaris MedTech, University of Arkansas – $16,000

The startup won fourth place for its pain-free strep test.

  • $5,000 Norton Rose Fulbright Fourth Place Prize
  • $1,000 Mercury Fund Elevator Pitch Competition Prize — Overall Winner

Routora, University of Notre Dame & University of Texas at Austin – $15,500

The team won fifth place for its route optimization app that works to reduce fuel costs, travel time and carbon emissions

  • $5,000 Chevron Fifth Place Prize
  • $500 Mercury Fund Elevator Pitch Competition Prizes — Digital

DialySafe, Rice University — $15,500

The startup won sixth place for its technology that aims to make at-home peritoneal dialysis simpler and safer.

  • $5,000 ExxonMobil Sixth Place Prize
  • $500 Mercury Fund Elevator Pitch Competition Prizes — Life Science

Arrow Analytics, Texas A&M University – $16,000

The startup won seventh place for its AI-powered sizing system for carry-on baggage.

  • $5,000 Shell Ventures Seventh Place Prize
  • $1,000 Anbarci Family Company Showcase Prizes


Other significant prizes included:

BiliRoo, University of Michigan – $26,000

  • $25,000 Southwest National Pediatric Device Consortium Pediatric Device Cash Prize
  • $1,000 Anbarci Family Company Showcase Prizes

BeamFeed, City University of New York – $25,000

  • $25,000 Amentum and WRX Companies Rising Stars Space Technology and Commercial Aerospace Cash Prize

Grapheon, University of Pittsburgh — $20,000

  • $20,000 Aramco Innovator Cash Prize

A total of $75,000 in in-kind legal services was awarded to all finalists. The grand prize winner, BRCĒ, also received a chief financial officer consulting prize worth $40,000. Each competing startup received at least $950 in prizes for placement in the competition.

“The Rice Business Plan Competition has grown into far more than a competition—it’s a proving ground for founders and a catalyst for real company formation, as well as a catalyst for building the Houston entrepreneurial ecosystem,” Brad Burke, associate vice president of Rice Innovation and executive director of Rice Alliance, said in a news release. This year's event was Burke’s final RBPC after nearly 25 years of leadership.

Last year, the Rice Business Plan Competition facilitated over $2 million in investment and cash prizes. According to Rice, more than 910 startups have raised more than $6.9 billion in capital through the competition over the last 25 years.

See a full list of this year's winners and stream rounds from the competition here.

Here's the income it takes to live comfortably in Houston in 2026

Money Talk

2026 report analyzing how much it costs to live "in sustainable comfort" in the biggest U.S. cities has found Houston residents have the 11th lowest salary requirement to live a comfortable life in 2026.

SmartAsset's annual report found single adult residents in Houston need to make $89,981 a year to qualify as "financially stable." Compared to last year, single Houstonians needed to make $83 more to live comfortably in the city.

Families with two working parents and two children need to make a household income of $204,672 to have a financially stable life in Houston, the report found. That's almost $2,000 less than what families needed to make last year.

To determine the rankings, SmartAsset's analysts examined 100 of the largest U.S. cities and used the latest cost of living data – such as the costs for housing, food, transportation, and income taxes where applicable – from the MIT Living Wage Calculator for childless individuals and for two working adults with two children.

For the purpose of the study, the 50/30/20 budgeting strategy was used to determine "comfortable lifestyle" costs for both individuals and families: 50 percent of income to cover needs and living expenses, 30 percent for "wants," and 20 percent for savings or paying down debt.

Here's breakdown of a Houston resident's comfortable lifestyle based on SmartAsset's findings:

  • $44,991 dedicated to needs and living expenses
  • $26,994 dedicated to wants
  • $17,996 dedicated to savings or debt repayment

This is SmartAsset's interpretation of a comfortable lifestyle for families of four:

  • $102,336 dedicated to needs and living expenses
  • $61,402 dedicated to wants
  • $40,934 dedicated to savings or debt repayment
SmartAsset said single individuals and families should compare the fluctuating local cost of living and their long-term goals to fully "understand the context" of their respective household incomes. But it's worth pointing out that a financially stable life in Houston isn't quite attainable for many residents: The city had a median household income of $64,361 in 2024, according to the U.S. Census Bureau.

Comfortable salaries in other Texas cities

Elsewhere in Texas, the report found that families in the Dallas-Fort Worth suburbs Frisco and McKinney "are closest to a comfortable salary."

"In Frisco, the median household earns $145,444 – substantially higher than the national median of $83,730," the report's author wrote. "This figure also accounts for 63.1 percent of the $230,464 income a family of four in Frisco needs to live comfortably. In McKinney, TX, the $124,177 median household income accounts for 53.9 percent of the $230,464 needed."

Both cities also tied with Plano for the 29th highest salary needed nationally to live comfortably in 2026. Single adults living in these cities need to make $109,242 a year to live a financially stable life this year.


On the opposite end, San Antonio has the lowest salaries needed to live comfortably in the U.S. Single adults only need to make $83,242 a year, and $192,608 for families of four.

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