2026 Relocation & Cost Arbitrage Engine

Relocation: Chicago-Naperville-Elgin, IL-IN to Great Falls, MT

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 Great Falls, MT.

Popular Corridors:
Equivalent Salary
$80,700
To maintain parity
Cost of Living Delta
-19.3%
Overall expenditure basket
Annual Tax Delta
+$516
State + local taxes
Annual 1BR Rent Delta
-$9,360
HUD Fair Market Rents
Net Annual Buffer
+$9,876/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

Great Falls, MT

COL 101.5
Gross Parity Income $80,700
Federal Income Tax -$8,924
FICA (SS & Medicare) -$6,174
State Income Tax -$3,199
Local / City Tax $0
Net Annual Take-Home $62,404
HUD 1BR Fair Market Rent -$12,000
Discretionary Cash Flow $50,404

EPI family budgets put living costs 19.3% lower in Great Falls, MT than in Chicago-Naperville-Elgin, IL-IN, so $100,000 in Chicago goes about as far as $80,700 in Great Falls. HUD's one-bedroom Fair Market Rent is $1,780 a month in Chicago and $1,000 in Great Falls, $9,360 a year less. On the same $100,000 salary a single filer pays $516 less a year in federal, state and local income tax and FICA in Great Falls. Taxes and one-bedroom rent together leave you about $9,876 a year better off. The BLS median wage across all occupations is $54,720 in Chicago and $46,510 in Great Falls.

Itemized Cost of Living Expenditure Arbitrage

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

Expenditure Category Chicago-Naperville-Elgin (Monthly) Great Falls (Monthly) Monthly Delta ($) Difference (%)
Housing (1BR Fair Market Rent)$1,780$1,000-$780-43.8%
Food & Groceries$385$344-$41-10.6%
Transportation$947$1,022+$75+7.9%
Healthcare$416$459+$43+10.3%
Other Necessities$572$387-$185-32.3%
Total Taxes (Federal, State, Local, FICA)$2,135$2,092-$43-2.0%

HUD Fair Market Rent Differential

1-Bedroom Fair Market Rent -$780/mo (-43.8%)
Chicago-Naperville-Elgin: $1,780/mo Great Falls: $1,000/mo
2-Bedroom Fair Market Rent -$703/mo (-35.0%)
Chicago-Naperville-Elgin: $2,011/mo Great Falls: $1,308/mo

EPI Living Wage Benchmark Comparison

1 Adult (No Children) -$5.38/hr (-19.3%)
Chicago-Naperville-Elgin: $27.82/hr Great Falls: $22.44/hr
2 Adults + 1 Child (per earner) -$2.78/hr (-11.5%)
Chicago-Naperville-Elgin: $24.26/hr Great Falls: $21.48/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 Great Falls Median Nominal Wage Delta Action
General and Operations ManagersFinance & ManagementFinance & Management$109,390$88,780-$20,610 (-18.8%)View Dossier
Registered Nurse (RN)HealthcareHealthcare$100,490$78,290-$22,200 (-22.1%)View Dossier
Financial ManagerFinanceFinance$168,810$131,420-$37,390 (-22.1%)View Dossier
Accountant & AuditorFinanceFinance$82,360$72,510-$9,850 (-12.0%)View Dossier
Management AnalystBusiness OperationsBusiness Operations$105,090$95,690-$9,400 (-8.9%)View Dossier
Sales ManagersFinance & ManagementFinance & Management$158,690$111,270-$47,420 (-29.9%)View Dossier
Computer and Information Systems ManagersFinance & ManagementFinance & Management$173,760$133,670-$40,090 (-23.1%)View Dossier
Quality Control InspectorIndustrial ManufacturingIndustrial Manufacturing$48,230$59,900+$11,670 (+24.2%)View Dossier
Project Management SpecialistBusiness OperationsBusiness Operations$105,320$83,580-$21,740 (-20.6%)View Dossier
ElectricianSkilled TradesSkilled Trades$102,350$76,960-$25,390 (-24.8%)View Dossier
Marketing ManagersFinance & ManagementFinance & Management$165,340$177,930+$12,590 (+7.6%)View Dossier
Medical and Health Services ManagersFinance & ManagementFinance & Management$123,090$103,130-$19,960 (-16.2%)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 Great Falls, MT Relocation FAQs

About $80,700. That scales $100,000 by the ratio of the metros' cost-of-living indexes (125.8 in Chicago-Naperville-Elgin, IL-IN, 101.5 in Great Falls, MT, from EPI family budgets); taxes are compared separately below.

Triangular Relocation & Tax Silo

Chicago-Naperville-Elgin, IL-IN to Great Falls, MT: State Paychecks, Rents & Reciprocal Corridor

Reverse Route: Great Falls, MT to Chicago-Naperville-Elgin, IL-IN
Relocation: Chicago-Naperville-Elgin, IL-IN to Great Falls, MT Overview

Chicago-Naperville-Elgin, IL-IN to Great Falls, MT: 2026 federal, state & local income tax, HUD Fair Market Rents & EPI living costs compared on the same. Official 2026 economic data for Relocation: Chicago-Naperville-Elgin, IL-IN to Great Falls, MT 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 Great Falls, MT to match $100,000 in Chicago-Naperville-Elgin, IL-IN?

About $80,700. That scales $100,000 by the ratio of the metros' cost-of-living indexes (125.8 in Chicago-Naperville-Elgin, IL-IN, 101.5 in Great Falls, MT, from EPI family budgets); taxes are compared separately below.

Is Great Falls, MT cheaper than Chicago-Naperville-Elgin, IL-IN?

EPI's family budgets for a single adult put overall living costs 19.3% lower in Great Falls, MT than in Chicago-Naperville-Elgin, IL-IN. The budgets cover housing, food, transportation, health care and other necessities.