2026 Relocation & Cost Arbitrage Engine

Relocation: Austin-Round Rock, TX 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 Austin-Round Rock-San Marcos, TX to Chicago-Naperville-Elgin, IL-IN.

Popular Corridors:
Equivalent Salary
$100,200
To maintain parity
Cost of Living Delta
+0.2%
Overall expenditure basket
Annual Tax Delta
-$4,805
State + local taxes
Annual 1BR Rent Delta
+$3,000
HUD Fair Market Rents
Net Annual Buffer
-$7,805/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

Austin-Round Rock-San Marcos, TX

COL 125.6
Gross Annual Income $100,000
Federal Income Tax -$13,170
FICA (SS & Medicare) -$7,650
State Income Tax -$0
Local / City Tax $0
Net Annual Take-Home $79,180
HUD 1BR Fair Market Rent -$18,360
Discretionary Cash Flow $60,820
Target Market
Destination Location

Chicago-Naperville-Elgin, IL-IN

COL 125.8
Gross Parity Income $100,200
Federal Income Tax -$13,214
FICA (SS & Medicare) -$7,665
State Income Tax -$4,815
Local / City Tax $0
Net Annual Take-Home $74,506
HUD 1BR Fair Market Rent -$21,360
Discretionary Cash Flow $53,146

EPI family budgets put living costs 0.2% higher in Chicago-Naperville-Elgin, IL-IN than in Austin-Round Rock-San Marcos, TX, so $100,000 in Austin goes about as far as $100,200 in Chicago. HUD's one-bedroom Fair Market Rent is $1,530 a month in Austin and $1,780 in Chicago, $3,000 a year more. On the same $100,000 salary a single filer pays $4,805 more a year in federal, state and local income tax and FICA in Chicago. Taxes and one-bedroom rent together leave you about $7,805 a year worse off. The BLS median wage across all occupations is $56,950 in Austin 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 Austin-Round Rock-San Marcos (Monthly) Chicago-Naperville-Elgin (Monthly) Monthly Delta ($) Difference (%)
Housing (1BR Fair Market Rent)$1,530$1,780+$250+16.3%
Food & Groceries$334$385+$51+15.3%
Transportation$1,062$947-$115-10.8%
Healthcare$467$416-$51-10.9%
Other Necessities$585$572-$13-2.2%
Total Taxes (Federal, State, Local, FICA)$1,735$2,135+$400+23.1%

HUD Fair Market Rent Differential

1-Bedroom Fair Market Rent +$250/mo (16.3%)
Austin-Round Rock-San Marcos: $1,530/mo Chicago-Naperville-Elgin: $1,780/mo
2-Bedroom Fair Market Rent +$194/mo (10.7%)
Austin-Round Rock-San Marcos: $1,817/mo Chicago-Naperville-Elgin: $2,011/mo

EPI Living Wage Benchmark Comparison

1 Adult (No Children) +$0.05/hr (0.2%)
Austin-Round Rock-San Marcos: $27.77/hr Chicago-Naperville-Elgin: $27.82/hr
2 Adults + 1 Child (per earner) +$0.48/hr (2.0%)
Austin-Round Rock-San Marcos: $23.78/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 Austin-Round Rock-San Marcos Median Chicago-Naperville-Elgin Median Nominal Wage Delta Action
General and Operations ManagersFinance & ManagementFinance & Management$117,850$109,390-$8,460 (-7.2%)View Dossier
Registered Nurse (RN)HealthcareHealthcare$97,890$100,490+$2,600 (+2.7%)View Dossier
Software EngineerTechnologyTechnology$134,120$134,380+$260 (+0.2%)View Dossier
Accountant & AuditorFinanceFinance$83,120$82,360-$760 (-0.9%)View Dossier
Financial ManagerFinanceFinance$167,180$168,810+$1,630 (+1.0%)View Dossier
Management AnalystBusiness OperationsBusiness Operations$106,600$105,090-$1,510 (-1.4%)View Dossier
Project Management SpecialistBusiness OperationsBusiness Operations$102,390$105,320+$2,930 (+2.9%)View Dossier
Computer and Information Systems ManagersFinance & ManagementFinance & Management$176,990$173,760-$3,230 (-1.8%)View Dossier
Sales ManagersFinance & ManagementFinance & Management$151,760$158,690+$6,930 (+4.6%)View Dossier
Quality Control InspectorIndustrial ManufacturingIndustrial Manufacturing$48,260$48,230-$30 (-0.1%)View Dossier
ElectricianSkilled TradesSkilled Trades$60,390$102,350+$41,960 (+69.5%)View Dossier
Marketing ManagersFinance & ManagementFinance & Management$164,920$165,340+$420 (+0.3%)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

Austin-Round Rock-San Marcos, TX to Chicago-Naperville-Elgin, IL-IN Relocation FAQs

About $100,200. That scales $100,000 by the ratio of the metros' cost-of-living indexes (125.6 in Austin-Round Rock-San Marcos, TX, 125.8 in Chicago-Naperville-Elgin, IL-IN, from EPI family budgets); taxes are compared separately below.

Triangular Relocation & Tax Silo

Austin-Round Rock-San Marcos, TX to Chicago-Naperville-Elgin, IL-IN: State Paychecks, Rents & Reciprocal Corridor

Reverse Route: Chicago-Naperville-Elgin, IL-IN to Austin-Round Rock-San Marcos, TX
Relocation: Austin-Round Rock, TX to Chicago Metro, IL-IN Overview

Austin-Round Rock-San Marcos, TX to Chicago-Naperville-Elgin, IL-IN: 2026 federal, state & local income tax, HUD Fair Market Rents & EPI living costs compared. Official 2026 economic data for Relocation: Austin-Round Rock, TX 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 Austin-Round Rock-San Marcos, TX?

About $100,200. That scales $100,000 by the ratio of the metros' cost-of-living indexes (125.6 in Austin-Round Rock-San Marcos, TX, 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 Austin-Round Rock-San Marcos, TX?

EPI's family budgets for a single adult put overall living costs 0.2% higher in Chicago-Naperville-Elgin, IL-IN than in Austin-Round Rock-San Marcos, TX. The budgets cover housing, food, transportation, health care and other necessities.