Relocation: Chicago-Naperville-Elgin, IL-IN to Owensboro, KY
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 Owensboro, KY.
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.
Chicago-Naperville-Elgin, IL-IN
Owensboro, KY
Itemized Cost of Living Expenditure Arbitrage
Category-by-category breakdown of monthly baseline consumption between origin and destination.
| Expenditure Category | Chicago-Naperville-Elgin (Monthly) | Owensboro (Monthly) | Monthly Delta ($) | Difference (%) |
|---|---|---|---|---|
| Housing (1BR Fair Market Rent) | $1,780 | $870 | -$910 | -51.1% |
| Food & Groceries | $385 | $313 | -$72 | -18.7% |
| Transportation | $947 | $1,073 | +$126 | +13.3% |
| Healthcare | $416 | $487 | +$71 | +17.1% |
| Other Necessities | $572 | $362 | -$210 | -36.7% |
| Total Taxes (Federal, State, Local, FICA) | $2,135 | $2,165 | +$30 | +1.4% |
HUD Fair Market Rent Differential
EPI Living Wage Benchmark Comparison
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 | Owensboro Median | Nominal Wage Delta | Action |
|---|---|---|---|---|---|
| General and Operations ManagersFinance & Management | Finance & Management | $109,390 | $73,460 | -$35,930 (-32.8%) | View Dossier |
| Financial ManagerFinance | Finance | $168,810 | $107,190 | -$61,620 (-36.5%) | View Dossier |
| Accountant & AuditorFinance | Finance | $82,360 | $77,800 | -$4,560 (-5.5%) | View Dossier |
| Software EngineerTechnology | Technology | $134,380 | $102,010 | -$32,370 (-24.1%) | View Dossier |
| Management AnalystBusiness Operations | Business Operations | $105,090 | $73,860 | -$31,230 (-29.7%) | View Dossier |
| Sales ManagersFinance & Management | Finance & Management | $158,690 | $119,320 | -$39,370 (-24.8%) | View Dossier |
| Computer and Information Systems ManagersFinance & Management | Finance & Management | $173,760 | $138,480 | -$35,280 (-20.3%) | View Dossier |
| Quality Control InspectorIndustrial Manufacturing | Industrial Manufacturing | $48,230 | $49,390 | +$1,160 (+2.4%) | View Dossier |
| Project Management SpecialistBusiness Operations | Business Operations | $105,320 | $79,320 | -$26,000 (-24.7%) | View Dossier |
| ElectricianSkilled Trades | Skilled Trades | $102,350 | $55,030 | -$47,320 (-46.2%) | View Dossier |
| Marketing ManagersFinance & Management | Finance & Management | $165,340 | $124,040 | -$41,300 (-25.0%) | View Dossier |
| Financial AnalystFinance | Finance | $101,750 | $83,800 | -$17,950 (-17.6%) | View Dossier |
Major US Inter-Metro Relocation Corridors
Empirical cost differentials and statutory tax savings across high-volume migration routes.
On $100k: $8,301 less tax and $14,388 less 1BR rent a year
On $100k: $6,211 less tax and $17,676 less 1BR rent a year
On $100k: $4,805 less tax and $2,928 less 1BR rent a year
On $100k: $1,729 less tax and $19,884 less 1BR rent a year
On $100k: $4,113 less tax and $10,908 less 1BR rent a year
On $100k: $3,761 more tax and $4,188 less 1BR rent a year
On $100k: $1,299 less tax and $11,592 less 1BR rent a year
On $100k: $8,301 less tax and $7,296 less 1BR rent a year
Chicago-Naperville-Elgin, IL-IN to Owensboro, KY Relocation FAQs
About $80,300. That scales $100,000 by the ratio of the metros' cost-of-living indexes (125.8 in Chicago-Naperville-Elgin, IL-IN, 101.0 in Owensboro, KY, from EPI family budgets); taxes are compared separately below.
Chicago-Naperville-Elgin, IL-IN to Owensboro, KY: State Paychecks, Rents & Reciprocal Corridor
Chicago-Naperville-Elgin, IL-IN to Owensboro, KY: 2026 federal, state & local income tax, HUD Fair Market Rents & EPI living costs compared on the same salary. Official 2026 economic data for Relocation: Chicago-Naperville-Elgin, IL-IN to Owensboro, KY compiled from Bureau of Labor Statistics OEWS surveys, HUD Fair Market Rents, and statutory tax codes.
Quick answers
About $80,300. That scales $100,000 by the ratio of the metros' cost-of-living indexes (125.8 in Chicago-Naperville-Elgin, IL-IN, 101.0 in Owensboro, KY, from EPI family budgets); taxes are compared separately below.
EPI's family budgets for a single adult put overall living costs 19.7% lower in Owensboro, KY than in Chicago-Naperville-Elgin, IL-IN. The budgets cover housing, food, transportation, health care and other necessities.