2026 Relocation & Cost Arbitrage Engine

Relocation: Chicago Metro, IL-IN to McAllen-Edinburg, TX

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 McAllen-Edinburg-Mission, TX.

Popular Corridors:
Equivalent Salary
$70,600
To maintain parity
Cost of Living Delta
-29.4%
Overall expenditure basket
Annual Tax Delta
+$4,805
State + local taxes
Annual 1BR Rent Delta
-$11,688
HUD Fair Market Rents
Net Annual Buffer
+$16,493/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

McAllen-Edinburg-Mission, TX

COL 88.8
Gross Parity Income $70,600
Federal Income Tax -$6,702
FICA (SS & Medicare) -$5,401
State Income Tax $0 (No State Tax)
Local / City Tax $0
Net Annual Take-Home $58,497
HUD 1BR Fair Market Rent -$9,672
Discretionary Cash Flow $48,825

EPI family budgets put living costs 29.4% lower in McAllen-Edinburg-Mission, TX than in Chicago-Naperville-Elgin, IL-IN, so $100,000 in Chicago goes about as far as $70,600 in McAllen. HUD's one-bedroom Fair Market Rent is $1,780 a month in Chicago and $806 in McAllen, $11,688 a year less. On the same $100,000 salary a single filer pays $4,805 less a year in federal, state and local income tax and FICA in McAllen. Taxes and one-bedroom rent together leave you about $16,493 a year better off. The BLS median wage across all occupations is $54,720 in Chicago and $35,830 in McAllen.

Itemized Cost of Living Expenditure Arbitrage

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

Expenditure Category Chicago-Naperville-Elgin (Monthly) McAllen-Edinburg-Mission (Monthly) Monthly Delta ($) Difference (%)
Housing (1BR Fair Market Rent)$1,780$806-$974-54.7%
Food & Groceries$385$281-$104-27.0%
Transportation$947$1,091+$144+15.2%
Healthcare$416$393-$23-5.5%
Other Necessities$572$333-$239-41.8%
Total Taxes (Federal, State, Local, FICA)$2,135$1,735-$400-18.7%

HUD Fair Market Rent Differential

1-Bedroom Fair Market Rent -$974/mo (-54.7%)
Chicago-Naperville-Elgin: $1,780/mo McAllen-Edinburg-Mission: $806/mo
2-Bedroom Fair Market Rent -$994/mo (-49.4%)
Chicago-Naperville-Elgin: $2,011/mo McAllen-Edinburg-Mission: $1,017/mo

EPI Living Wage Benchmark Comparison

1 Adult (No Children) -$8.19/hr (-29.4%)
Chicago-Naperville-Elgin: $27.82/hr McAllen-Edinburg-Mission: $19.63/hr
2 Adults + 1 Child (per earner) -$7.60/hr (-31.3%)
Chicago-Naperville-Elgin: $24.26/hr McAllen-Edinburg-Mission: $16.66/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 McAllen-Edinburg-Mission Median Nominal Wage Delta Action
General and Operations ManagersFinance & ManagementFinance & Management$109,390$74,570-$34,820 (-31.8%)View Dossier
Registered Nurse (RN)HealthcareHealthcare$100,490$80,540-$19,950 (-19.9%)View Dossier
Accountant & AuditorFinanceFinance$82,360$64,470-$17,890 (-21.7%)View Dossier
Financial ManagerFinanceFinance$168,810$129,290-$39,520 (-23.4%)View Dossier
Software EngineerTechnologyTechnology$134,380$116,120-$18,260 (-13.6%)View Dossier
Management AnalystBusiness OperationsBusiness Operations$105,090$72,150-$32,940 (-31.3%)View Dossier
Sales ManagersFinance & ManagementFinance & Management$158,690$101,440-$57,250 (-36.1%)View Dossier
Computer and Information Systems ManagersFinance & ManagementFinance & Management$173,760$133,750-$40,010 (-23.0%)View Dossier
Quality Control InspectorIndustrial ManufacturingIndustrial Manufacturing$48,230$37,440-$10,790 (-22.4%)View Dossier
Project Management SpecialistBusiness OperationsBusiness Operations$105,320$69,910-$35,410 (-33.6%)View Dossier
ElectricianSkilled TradesSkilled Trades$102,350$46,930-$55,420 (-54.1%)View Dossier
Medical and Health Services ManagersFinance & ManagementFinance & Management$123,090$97,180-$25,910 (-21.0%)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 McAllen-Edinburg-Mission, TX Relocation FAQs

About $70,600. That scales $100,000 by the ratio of the metros' cost-of-living indexes (125.8 in Chicago-Naperville-Elgin, IL-IN, 88.8 in McAllen-Edinburg-Mission, TX, from EPI family budgets); taxes are compared separately below.

Triangular Relocation & Tax Silo

Chicago-Naperville-Elgin, IL-IN to McAllen-Edinburg-Mission, TX: State Paychecks, Rents & Reciprocal Corridor

Reverse Route: McAllen-Edinburg-Mission, TX to Chicago-Naperville-Elgin, IL-IN
Relocation: Chicago Metro, IL-IN to McAllen-Edinburg, TX Overview

Chicago-Naperville-Elgin, IL-IN to McAllen-Edinburg-Mission, TX: 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 McAllen-Edinburg, TX 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 McAllen-Edinburg-Mission, TX to match $100,000 in Chicago-Naperville-Elgin, IL-IN?

About $70,600. That scales $100,000 by the ratio of the metros' cost-of-living indexes (125.8 in Chicago-Naperville-Elgin, IL-IN, 88.8 in McAllen-Edinburg-Mission, TX, from EPI family budgets); taxes are compared separately below.

Is McAllen-Edinburg-Mission, TX cheaper than Chicago-Naperville-Elgin, IL-IN?

EPI's family budgets for a single adult put overall living costs 29.4% lower in McAllen-Edinburg-Mission, TX than in Chicago-Naperville-Elgin, IL-IN. The budgets cover housing, food, transportation, health care and other necessities.