2026 Relocation & Cost Arbitrage Engine

Relocation: Chicago Metro, IL-IN to Denver-Aurora, CO

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 Chicago-Naperville-Elgin, IL-IN to Denver-Aurora-Centennial, CO.

Popular Corridors:
Equivalent Salary
$109,000
To maintain parity
Cost of Living Delta
+9.0%
Overall expenditure basket
Annual Tax Delta
+$1,045
State + local taxes
Annual 1BR Rent Delta
+$612
HUD Fair Market Rents
Net Annual Buffer
+$433/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

Chicago-Naperville-Elgin, IL-IN

COL 125.8
Gross Annual Income $100,000
Federal Income Tax -$13,170
FICA (SS & Medicare) -$7,650
State Income Tax -$4,805
Local / City Tax $0
Net Annual Take-Home $74,375
HUD 1BR Fair Market Rent -$21,360
Discretionary Cash Flow $53,015
Target Market
Destination Location

Denver-Aurora-Centennial, CO

COL 137.1
Gross Parity Income $109,000
Federal Income Tax -$15,150
FICA (SS & Medicare) -$8,339
State Income Tax -$4,088
Local / City Tax -$69
Net Annual Take-Home $81,355
HUD 1BR Fair Market Rent -$21,972
Discretionary Cash Flow $59,383

EPI family budgets put living costs 9.0% higher in Denver-Aurora-Centennial, CO than in Chicago-Naperville-Elgin, IL-IN, so $100,000 in Chicago goes about as far as $109,000 in Denver. HUD's one-bedroom Fair Market Rent is $1,780 a month in Chicago and $1,831 in Denver, $612 a year more. On the same $100,000 salary a single filer pays $1,045 less a year in federal, state and local income tax and FICA in Denver. Taxes and one-bedroom rent together leave you about $433 a year better off. The BLS median wage across all occupations is $54,720 in Chicago and $62,320 in Denver.

Itemized Cost of Living Expenditure Arbitrage

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

Expenditure Category Chicago-Naperville-Elgin (Monthly) Denver-Aurora-Centennial (Monthly) Monthly Delta ($) Difference (%)
Housing (1BR Fair Market Rent)$1,780$1,831+$51+2.9%
Food & Groceries$385$384-$1-0.3%
Transportation$947$1,047+$100+10.6%
Healthcare$416$436+$20+4.8%
Other Necessities$572$628+$56+9.8%
Total Taxes (Federal, State, Local, FICA)$2,135$2,048-$87-4.1%

HUD Fair Market Rent Differential

1-Bedroom Fair Market Rent +$51/mo (2.9%)
Chicago-Naperville-Elgin: $1,780/mo Denver-Aurora-Centennial: $1,831/mo
2-Bedroom Fair Market Rent +$158/mo (7.9%)
Chicago-Naperville-Elgin: $2,011/mo Denver-Aurora-Centennial: $2,169/mo

EPI Living Wage Benchmark Comparison

1 Adult (No Children) +$2.50/hr (9.0%)
Chicago-Naperville-Elgin: $27.82/hr Denver-Aurora-Centennial: $30.32/hr
2 Adults + 1 Child (per earner) +$3.87/hr (16.0%)
Chicago-Naperville-Elgin: $24.26/hr Denver-Aurora-Centennial: $28.13/hr

Top Local Occupations Wage Parity

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

Occupation Title Industry Sector Chicago-Naperville-Elgin Median Denver-Aurora-Centennial Median Nominal Wage Delta Action
General and Operations ManagersFinance & ManagementFinance & Management$109,390$142,330+$32,940 (+30.1%)View Dossier
Registered Nurse (RN)HealthcareHealthcare$100,490$101,130+$640 (+0.6%)View Dossier
Software EngineerTechnologyTechnology$134,380$137,610+$3,230 (+2.4%)View Dossier
Accountant & AuditorFinanceFinance$82,360$100,020+$17,660 (+21.4%)View Dossier
Financial ManagerFinanceFinance$168,810$193,400+$24,590 (+14.6%)View Dossier
Management AnalystBusiness OperationsBusiness Operations$105,090$102,620-$2,470 (-2.4%)View Dossier
Project Management SpecialistBusiness OperationsBusiness Operations$105,320$116,740+$11,420 (+10.8%)View Dossier
Computer and Information Systems ManagersFinance & ManagementFinance & Management$173,760$203,340+$29,580 (+17.0%)View Dossier
Sales ManagersFinance & ManagementFinance & Management$158,690$181,580+$22,890 (+14.4%)View Dossier
ElectricianSkilled TradesSkilled Trades$102,350$63,150-$39,200 (-38.3%)View Dossier
Quality Control InspectorIndustrial ManufacturingIndustrial Manufacturing$48,230$58,430+$10,200 (+21.1%)View Dossier
Financial AnalystFinanceFinance$101,750$104,480+$2,730 (+2.7%)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

Chicago-Naperville-Elgin, IL-IN to Denver-Aurora-Centennial, CO Relocation FAQs

About $109,000. That scales $100,000 by the ratio of the metros' cost-of-living indexes (125.8 in Chicago-Naperville-Elgin, IL-IN, 137.1 in Denver-Aurora-Centennial, CO, from EPI family budgets); taxes are compared separately below.

Triangular Relocation & Tax Silo

Chicago-Naperville-Elgin, IL-IN to Denver-Aurora-Centennial, CO: State Paychecks, Rents & Reciprocal Corridor

Reverse Route: Denver-Aurora-Centennial, CO to Chicago-Naperville-Elgin, IL-IN
Relocation: Chicago Metro, IL-IN to Denver-Aurora, CO Overview

Chicago-Naperville-Elgin, IL-IN to Denver-Aurora-Centennial, CO: 2026 federal, state & local income tax, HUD Fair Market Rents & EPI living costs compared on. Official 2026 economic data for Relocation: Chicago Metro, IL-IN to Denver-Aurora, CO 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 Denver-Aurora-Centennial, CO to match $100,000 in Chicago-Naperville-Elgin, IL-IN?

About $109,000. That scales $100,000 by the ratio of the metros' cost-of-living indexes (125.8 in Chicago-Naperville-Elgin, IL-IN, 137.1 in Denver-Aurora-Centennial, CO, from EPI family budgets); taxes are compared separately below.

Is Denver-Aurora-Centennial, CO cheaper than Chicago-Naperville-Elgin, IL-IN?

EPI's family budgets for a single adult put overall living costs 9.0% higher in Denver-Aurora-Centennial, CO than in Chicago-Naperville-Elgin, IL-IN. The budgets cover housing, food, transportation, health care and other necessities.