One big thing: you probably need to maintain one car per adult member of the household in Houston, but can live well with <=1 car in San Francisco proper. With

One big thing: you probably need to maintain one car per adult member of the household in Houston, but can live well with <=1 car in San Francisco proper. With insurance, maintenance, and amortized vehicle cost, you're probably $1500/year/car minimum. More if you want a car that's a status symbol.