Seventy-five thousand in Houston can be sufficient, but it's highly dependent on your definition of 'decent' and 'safe'. Rent downtown or in upscale areas like the Heights will eat a significant chunk of your income. Consider areas slightly further out like Midtown, Montrose, or even some parts of the Energy Corridor for more affordable options. Use online cost of living calculators, but be realistic about your spending habits. Factor in transportation costs (car vs. public transit), groceries (eating out vs. cooking), and entertainment. Also, remember Texas has no state income tax, which helps. Run a detailed budget.