2026 Relocation & Cost Arbitrage Engine

Relocation: Augusta Metro, GA-SC to Chicago Metro, IL-IN

Data updated · Sources: HUD FY 2027 Fair Market Rents, EPI 2026 Family Budget, 2026 tax tables · Methodology

Income tax, HUD Fair Market Rents and EPI living costs for a move from Augusta-Richmond County, GA-SC to Chicago-Naperville-Elgin, IL-IN.

Popular Corridors:
Equivalent Salary
$123,100
To maintain parity
Cost of Living Delta
+23.1%
Overall expenditure basket
Annual Tax Delta
-$564
State + local taxes
Annual 1BR Rent Delta
+$6,936
HUD Fair Market Rents
Net Annual Buffer
-$7,500/yr
Tax + housing gain

Interactive Purchasing Power Equivalency Workbench

Adjust your current salary at origin to dynamically compute the statutory tax burden, housing costs, and discretionary cash in both markets.

Presets:
$
$30,000 $100,000 $200,000 $300,000
Origin Location

Augusta-Richmond County, GA-SC

COL 102.2
Gross Annual Income $100,000
Federal Income Tax -$13,170
FICA (SS & Medicare) -$7,650
State Income Tax -$4,242
Local / City Tax $0
Net Annual Take-Home $74,939
HUD 1BR Fair Market Rent -$14,424
Discretionary Cash Flow $60,515
Target Market
Destination Location

Chicago-Naperville-Elgin, IL-IN

COL 125.8
Gross Parity Income $123,100
Federal Income Tax -$18,278
FICA (SS & Medicare) -$9,417
State Income Tax -$5,949
Local / City Tax $0
Net Annual Take-Home $89,456
HUD 1BR Fair Market Rent -$21,360
Discretionary Cash Flow $68,096

EPI family budgets put living costs 23.1% higher in Chicago-Naperville-Elgin, IL-IN than in Augusta-Richmond County, GA-SC, so $100,000 in Augusta goes about as far as $123,100 in Chicago. HUD's one-bedroom Fair Market Rent is $1,202 a month in Augusta and $1,780 in Chicago, $6,936 a year more. On the same $100,000 salary a single filer pays $564 more a year in federal, state and local income tax and FICA in Chicago. Taxes and one-bedroom rent together leave you about $7,500 a year worse off. The BLS median wage across all occupations is $45,990 in Augusta and $54,720 in Chicago.

Itemized Cost of Living Expenditure Arbitrage

Category-by-category breakdown of monthly baseline consumption between origin and destination.

Expenditure Category Augusta-Richmond County (Monthly) Chicago-Naperville-Elgin (Monthly) Monthly Delta ($) Difference (%)
Housing (1BR Fair Market Rent)$1,202$1,780+$578+48.1%
Food & Groceries$341$385+$44+12.9%
Transportation$1,100$947-$153-13.9%
Healthcare$475$416-$59-12.4%
Other Necessities$375$572+$197+52.5%
Total Taxes (Federal, State, Local, FICA)$2,088$2,135+$47+2.3%

HUD Fair Market Rent Differential

1-Bedroom Fair Market Rent +$578/mo (48.1%)
Augusta-Richmond County: $1,202/mo Chicago-Naperville-Elgin: $1,780/mo
2-Bedroom Fair Market Rent +$682/mo (51.3%)
Augusta-Richmond County: $1,329/mo Chicago-Naperville-Elgin: $2,011/mo

EPI Living Wage Benchmark Comparison

1 Adult (No Children) +$5.21/hr (23.0%)
Augusta-Richmond County: $22.61/hr Chicago-Naperville-Elgin: $27.82/hr
2 Adults + 1 Child (per earner) +$4.40/hr (22.2%)
Augusta-Richmond County: $19.86/hr Chicago-Naperville-Elgin: $24.26/hr

Top Local Occupations Wage Parity

BLS median wage comparisons across benchmark roles between both metropolitan labor markets.

Occupation Title Industry Sector Augusta-Richmond County Median Chicago-Naperville-Elgin Median Nominal Wage Delta Action
General and Operations ManagersFinance & ManagementFinance & Management$102,360$109,390+$7,030 (+6.9%)View Dossier
Registered Nurse (RN)HealthcareHealthcare$87,760$100,490+$12,730 (+14.5%)View Dossier
Accountant & AuditorFinanceFinance$76,710$82,360+$5,650 (+7.4%)View Dossier
Financial ManagerFinanceFinance$129,180$168,810+$39,630 (+30.7%)View Dossier
Software EngineerTechnologyTechnology$119,780$134,380+$14,600 (+12.2%)View Dossier
Management AnalystBusiness OperationsBusiness Operations$87,920$105,090+$17,170 (+19.5%)View Dossier
Sales ManagersFinance & ManagementFinance & Management$138,690$158,690+$20,000 (+14.4%)View Dossier
Computer and Information Systems ManagersFinance & ManagementFinance & Management$160,860$173,760+$12,900 (+8.0%)View Dossier
Quality Control InspectorIndustrial ManufacturingIndustrial Manufacturing$49,960$48,230-$1,730 (-3.5%)View Dossier
Project Management SpecialistBusiness OperationsBusiness Operations$101,280$105,320+$4,040 (+4.0%)View Dossier
ElectricianSkilled TradesSkilled Trades$59,660$102,350+$42,690 (+71.6%)View Dossier
Marketing ManagersFinance & ManagementFinance & Management$146,720$165,340+$18,620 (+12.7%)View Dossier

Major US Inter-Metro Relocation Corridors

Empirical cost differentials and statutory tax savings across high-volume migration routes.

New York-Newark-Jersey City → Austin-Round Rock-San Marcos

On $100k: $8,301 less tax and $14,388 less 1BR rent a year

-30.6% COL+$22,689/yr
San Francisco-Oakland-Fremont → Austin-Round Rock-San Marcos

On $100k: $6,211 less tax and $17,676 less 1BR rent a year

-30.4% COL+$23,887/yr
Chicago-Naperville-Elgin → Dallas-Fort Worth-Arlington

On $100k: $4,805 less tax and $2,928 less 1BR rent a year

-2.2% COL+$7,733/yr
San Francisco-Oakland-Fremont → Columbus

On $100k: $1,729 less tax and $19,884 less 1BR rent a year

-41.0% COL+$21,613/yr
Los Angeles-Long Beach-Anaheim → Phoenix-Mesa-Chandler

On $100k: $4,113 less tax and $10,908 less 1BR rent a year

-13.5% COL+$15,021/yr
Seattle-Tacoma-Bellevue → Denver-Aurora-Centennial

On $100k: $3,761 more tax and $4,188 less 1BR rent a year

-13.6% COL+$427/yr
Boston-Cambridge-Newton → Raleigh-Cary

On $100k: $1,299 less tax and $11,592 less 1BR rent a year

-16.2% COL+$12,891/yr
New York-Newark-Jersey City → Miami-Fort Lauderdale-West Palm Beach

On $100k: $8,301 less tax and $7,296 less 1BR rent a year

-27.3% COL+$15,597/yr

Augusta-Richmond County, GA-SC to Chicago-Naperville-Elgin, IL-IN Relocation FAQs

About $123,100. That scales $100,000 by the ratio of the metros' cost-of-living indexes (102.2 in Augusta-Richmond County, GA-SC, 125.8 in Chicago-Naperville-Elgin, IL-IN, from EPI family budgets); taxes are compared separately below.

Triangular Relocation & Tax Silo

Augusta-Richmond County, GA-SC to Chicago-Naperville-Elgin, IL-IN: State Paychecks, Rents & Reciprocal Corridor

Reverse Route: Chicago-Naperville-Elgin, IL-IN to Augusta-Richmond County, GA-SC
Relocation: Augusta Metro, GA-SC to Chicago Metro, IL-IN Overview

Augusta-Richmond County, GA-SC to Chicago-Naperville-Elgin, IL-IN: 2026 federal, state & local income tax, HUD Fair Market Rents & EPI living costs compared on. Official 2026 economic data for Relocation: Augusta Metro, GA-SC to Chicago Metro, IL-IN compiled from Bureau of Labor Statistics OEWS surveys, HUD Fair Market Rents, and statutory tax codes.

Quick answers
How much salary do I need in Chicago-Naperville-Elgin, IL-IN to match $100,000 in Augusta-Richmond County, GA-SC?

About $123,100. That scales $100,000 by the ratio of the metros' cost-of-living indexes (102.2 in Augusta-Richmond County, GA-SC, 125.8 in Chicago-Naperville-Elgin, IL-IN, from EPI family budgets); taxes are compared separately below.

Is Chicago-Naperville-Elgin, IL-IN cheaper than Augusta-Richmond County, GA-SC?

EPI's family budgets for a single adult put overall living costs 23.1% higher in Chicago-Naperville-Elgin, IL-IN than in Augusta-Richmond County, GA-SC. The budgets cover housing, food, transportation, health care and other necessities.