2026 Relocation & Cost Arbitrage Engine

Relocation: Brockton, MA to Chicago-Naperville-Elgin, 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 Brockton, MA to Chicago-Naperville-Elgin, IL-IN.

Popular Corridors:
Equivalent Salary
$88,900
To maintain parity
Cost of Living Delta
-11.1%
Overall expenditure basket
Annual Tax Delta
-$25
State + local taxes
Annual 1BR Rent Delta
-$744
HUD Fair Market Rents
Net Annual Buffer
+$719/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

Brockton, MA

COL 141.5
Gross Annual Income $100,000
Federal Income Tax -$13,170
FICA (SS & Medicare) -$7,650
State Income Tax -$4,780
Local / City Tax $0
Net Annual Take-Home $74,400
HUD 1BR Fair Market Rent -$22,104
Discretionary Cash Flow $52,296
Target Market
Destination Location

Chicago-Naperville-Elgin, IL-IN

COL 125.8
Gross Parity Income $88,900
Federal Income Tax -$10,728
FICA (SS & Medicare) -$6,801
State Income Tax -$4,256
Local / City Tax $0
Net Annual Take-Home $67,115
HUD 1BR Fair Market Rent -$21,360
Discretionary Cash Flow $45,755

EPI family budgets put living costs 11.1% lower in Chicago-Naperville-Elgin, IL-IN than in Brockton, MA, so $100,000 in Brockton goes about as far as $88,900 in Chicago. HUD's one-bedroom Fair Market Rent is $1,842 a month in Brockton and $1,780 in Chicago, $744 a year less. On the same $100,000 salary a single filer pays $25 more a year in federal, state and local income tax and FICA in Chicago. Taxes and one-bedroom rent together leave you about $719 a year better off. The BLS median wage across all occupations is $66,620 in Brockton (BLS figure for the Boston-Cambridge-Newton, MA-NH metro area) 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 Brockton (Monthly) Chicago-Naperville-Elgin (Monthly) Monthly Delta ($) Difference (%)
Housing (1BR Fair Market Rent)$1,842$1,780-$62-3.4%
Food & Groceries$405$385-$20-4.9%
Transportation$1,159$947-$212-18.3%
Healthcare$409$416+$7+1.7%
Other Necessities$625$572-$53-8.5%
Total Taxes (Federal, State, Local, FICA)$2,133$2,135+$2+0.1%

HUD Fair Market Rent Differential

1-Bedroom Fair Market Rent -$62/mo (-3.4%)
Brockton: $1,842/mo Chicago-Naperville-Elgin: $1,780/mo
2-Bedroom Fair Market Rent -$398/mo (-16.5%)
Brockton: $2,409/mo Chicago-Naperville-Elgin: $2,011/mo

EPI Living Wage Benchmark Comparison

1 Adult (No Children) -$3.47/hr (-11.1%)
Brockton: $31.29/hr Chicago-Naperville-Elgin: $27.82/hr
2 Adults + 1 Child (per earner) -$4.05/hr (-14.3%)
Brockton: $28.31/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 Brockton Median Chicago-Naperville-Elgin Median Nominal Wage Delta Action

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

Brockton, MA to Chicago-Naperville-Elgin, IL-IN Relocation FAQs

About $88,900. That scales $100,000 by the ratio of the metros' cost-of-living indexes (141.5 in Brockton, MA, 125.8 in Chicago-Naperville-Elgin, IL-IN, from EPI family budgets); taxes are compared separately below.

Triangular Relocation & Tax Silo

Brockton, MA to Chicago-Naperville-Elgin, IL-IN: State Paychecks, Rents & Reciprocal Corridor

Reverse Route: Chicago-Naperville-Elgin, IL-IN to Brockton, MA
Relocation: Brockton, MA to Chicago-Naperville-Elgin, IL-IN Overview

Brockton, MA to Chicago-Naperville-Elgin, IL-IN: 2026 federal, state & local income tax, HUD Fair Market Rents & EPI living costs compared on the same salary. Official 2026 economic data for Relocation: Brockton, MA to Chicago-Naperville-Elgin, 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 Brockton, MA?

About $88,900. That scales $100,000 by the ratio of the metros' cost-of-living indexes (141.5 in Brockton, MA, 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 Brockton, MA?

EPI's family budgets for a single adult put overall living costs 11.1% lower in Chicago-Naperville-Elgin, IL-IN than in Brockton, MA. The budgets cover housing, food, transportation, health care and other necessities.