2026 Relocation & Cost Arbitrage Engine

Relocation: Chicago-Naperville-Elgin, IL-IN to Pittsfield, MA

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 Pittsfield, MA.

Popular Corridors:
Equivalent Salary
$89,600
To maintain parity
Cost of Living Delta
-10.4%
Overall expenditure basket
Annual Tax Delta
+$25
State + local taxes
Annual 1BR Rent Delta
-$5,472
HUD Fair Market Rents
Net Annual Buffer
+$5,497/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

Pittsfield, MA

COL 112.7
Gross Parity Income $89,600
Federal Income Tax -$10,882
FICA (SS & Medicare) -$6,854
State Income Tax -$4,260
Local / City Tax $0
Net Annual Take-Home $67,604
HUD 1BR Fair Market Rent -$15,888
Discretionary Cash Flow $51,716

EPI family budgets put living costs 10.4% lower in Pittsfield, MA than in Chicago-Naperville-Elgin, IL-IN, so $100,000 in Chicago goes about as far as $89,600 in Pittsfield. HUD's one-bedroom Fair Market Rent is $1,780 a month in Chicago and $1,324 in Pittsfield, $5,472 a year less. On the same $100,000 salary a single filer pays $25 less a year in federal, state and local income tax and FICA in Pittsfield. Taxes and one-bedroom rent together leave you about $5,497 a year better off. The BLS median wage across all occupations is $54,720 in Chicago and $51,860 in Pittsfield.

Itemized Cost of Living Expenditure Arbitrage

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

Expenditure Category Chicago-Naperville-Elgin (Monthly) Pittsfield (Monthly) Monthly Delta ($) Difference (%)
Housing (1BR Fair Market Rent)$1,780$1,324-$456-25.6%
Food & Groceries$385$408+$23+6.0%
Transportation$947$1,082+$135+14.3%
Healthcare$416$429+$13+3.1%
Other Necessities$572$461-$111-19.4%
Total Taxes (Federal, State, Local, FICA)$2,135$2,133-$2-0.1%

HUD Fair Market Rent Differential

1-Bedroom Fair Market Rent -$456/mo (-25.6%)
Chicago-Naperville-Elgin: $1,780/mo Pittsfield: $1,324/mo
2-Bedroom Fair Market Rent -$307/mo (-15.3%)
Chicago-Naperville-Elgin: $2,011/mo Pittsfield: $1,704/mo

EPI Living Wage Benchmark Comparison

1 Adult (No Children) -$2.89/hr (-10.4%)
Chicago-Naperville-Elgin: $27.82/hr Pittsfield: $24.93/hr
2 Adults + 1 Child (per earner) +$0.06/hr (0.2%)
Chicago-Naperville-Elgin: $24.26/hr Pittsfield: $24.32/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 Pittsfield Median Nominal Wage Delta Action
General and Operations ManagersFinance & ManagementFinance & Management$109,390$98,210-$11,180 (-10.2%)View Dossier
Registered Nurse (RN)HealthcareHealthcare$100,490$104,950+$4,460 (+4.4%)View Dossier
Financial ManagerFinanceFinance$168,810$161,980-$6,830 (-4.0%)View Dossier
Accountant & AuditorFinanceFinance$82,360$84,640+$2,280 (+2.8%)View Dossier
Software EngineerTechnologyTechnology$134,380$154,860+$20,480 (+15.2%)View Dossier
Management AnalystBusiness OperationsBusiness Operations$105,090$125,010+$19,920 (+19.0%)View Dossier
Sales ManagersFinance & ManagementFinance & Management$158,690$144,320-$14,370 (-9.1%)View Dossier
Computer and Information Systems ManagersFinance & ManagementFinance & Management$173,760$177,960+$4,200 (+2.4%)View Dossier
Quality Control InspectorIndustrial ManufacturingIndustrial Manufacturing$48,230$55,560+$7,330 (+15.2%)View Dossier
Project Management SpecialistBusiness OperationsBusiness Operations$105,320$104,640-$680 (-0.6%)View Dossier
ElectricianSkilled TradesSkilled Trades$102,350$74,780-$27,570 (-26.9%)View Dossier
Marketing ManagersFinance & ManagementFinance & Management$165,340$171,620+$6,280 (+3.8%)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 Pittsfield, MA Relocation FAQs

About $89,600. That scales $100,000 by the ratio of the metros' cost-of-living indexes (125.8 in Chicago-Naperville-Elgin, IL-IN, 112.7 in Pittsfield, MA, from EPI family budgets); taxes are compared separately below.

Triangular Relocation & Tax Silo

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

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

Chicago-Naperville-Elgin, IL-IN to Pittsfield, MA: 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 Pittsfield, MA 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 Pittsfield, MA to match $100,000 in Chicago-Naperville-Elgin, IL-IN?

About $89,600. That scales $100,000 by the ratio of the metros' cost-of-living indexes (125.8 in Chicago-Naperville-Elgin, IL-IN, 112.7 in Pittsfield, MA, from EPI family budgets); taxes are compared separately below.

Is Pittsfield, MA cheaper than Chicago-Naperville-Elgin, IL-IN?

EPI's family budgets for a single adult put overall living costs 10.4% lower in Pittsfield, MA than in Chicago-Naperville-Elgin, IL-IN. The budgets cover housing, food, transportation, health care and other necessities.