2026 Relocation & Cost Arbitrage Engine

Relocation: Chicago-Naperville-Elgin, IL-IN to Raleigh-Cary, NC

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 Raleigh-Cary, NC.

Popular Corridors:
Equivalent Salary
$108,300
To maintain parity
Cost of Living Delta
+8.3%
Overall expenditure basket
Annual Tax Delta
+$1,324
State + local taxes
Annual 1BR Rent Delta
-$2,736
HUD Fair Market Rents
Net Annual Buffer
+$4,060/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

Raleigh-Cary, NC

COL 136.2
Gross Parity Income $108,300
Federal Income Tax -$14,996
FICA (SS & Medicare) -$8,285
State Income Tax -$3,812
Local / City Tax $0
Net Annual Take-Home $81,207
HUD 1BR Fair Market Rent -$18,624
Discretionary Cash Flow $62,583

EPI family budgets put living costs 8.3% higher in Raleigh-Cary, NC than in Chicago-Naperville-Elgin, IL-IN, so $100,000 in Chicago goes about as far as $108,300 in Raleigh. HUD's one-bedroom Fair Market Rent is $1,780 a month in Chicago and $1,552 in Raleigh, $2,736 a year less. On the same $100,000 salary a single filer pays $1,324 less a year in federal, state and local income tax and FICA in Raleigh. Taxes and one-bedroom rent together leave you about $4,060 a year better off. The BLS median wage across all occupations is $54,720 in Chicago and $51,990 in Raleigh.

Itemized Cost of Living Expenditure Arbitrage

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

Expenditure Category Chicago-Naperville-Elgin (Monthly) Raleigh-Cary (Monthly) Monthly Delta ($) Difference (%)
Housing (1BR Fair Market Rent)$1,780$1,552-$228-12.8%
Food & Groceries$385$382-$3-0.8%
Transportation$947$1,109+$162+17.1%
Healthcare$416$451+$35+8.4%
Other Necessities$572$595+$23+4.0%
Total Taxes (Federal, State, Local, FICA)$2,135$2,025-$110-5.2%

HUD Fair Market Rent Differential

1-Bedroom Fair Market Rent -$228/mo (-12.8%)
Chicago-Naperville-Elgin: $1,780/mo Raleigh-Cary: $1,552/mo
2-Bedroom Fair Market Rent -$322/mo (-16.0%)
Chicago-Naperville-Elgin: $2,011/mo Raleigh-Cary: $1,689/mo

EPI Living Wage Benchmark Comparison

1 Adult (No Children) +$2.31/hr (8.3%)
Chicago-Naperville-Elgin: $27.82/hr Raleigh-Cary: $30.13/hr
2 Adults + 1 Child (per earner) +$0.16/hr (0.7%)
Chicago-Naperville-Elgin: $24.26/hr Raleigh-Cary: $24.42/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 Raleigh-Cary Median Nominal Wage Delta Action
General and Operations ManagersFinance & ManagementFinance & Management$109,390$114,940+$5,550 (+5.1%)View Dossier
Registered Nurse (RN)HealthcareHealthcare$100,490$84,830-$15,660 (-15.6%)View Dossier
Software EngineerTechnologyTechnology$134,380$132,770-$1,610 (-1.2%)View Dossier
Accountant & AuditorFinanceFinance$82,360$81,950-$410 (-0.5%)View Dossier
Financial ManagerFinanceFinance$168,810$163,130-$5,680 (-3.4%)View Dossier
Management AnalystBusiness OperationsBusiness Operations$105,090$96,820-$8,270 (-7.9%)View Dossier
Computer and Information Systems ManagersFinance & ManagementFinance & Management$173,760$173,960+$200 (+0.1%)View Dossier
Project Management SpecialistBusiness OperationsBusiness Operations$105,320$102,280-$3,040 (-2.9%)View Dossier
Sales ManagersFinance & ManagementFinance & Management$158,690$163,520+$4,830 (+3.0%)View Dossier
Quality Control InspectorIndustrial ManufacturingIndustrial Manufacturing$48,230$49,460+$1,230 (+2.6%)View Dossier
ElectricianSkilled TradesSkilled Trades$102,350$56,800-$45,550 (-44.5%)View Dossier
Marketing ManagersFinance & ManagementFinance & Management$165,340$167,640+$2,300 (+1.4%)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 Raleigh-Cary, NC Relocation FAQs

About $108,300. That scales $100,000 by the ratio of the metros' cost-of-living indexes (125.8 in Chicago-Naperville-Elgin, IL-IN, 136.2 in Raleigh-Cary, NC, from EPI family budgets); taxes are compared separately below.

Triangular Relocation & Tax Silo

Chicago-Naperville-Elgin, IL-IN to Raleigh-Cary, NC: State Paychecks, Rents & Reciprocal Corridor

Reverse Route: Raleigh-Cary, NC to Chicago-Naperville-Elgin, IL-IN
Relocation: Chicago-Naperville-Elgin, IL-IN to Raleigh-Cary, NC Overview

Chicago-Naperville-Elgin, IL-IN to Raleigh-Cary, NC: 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 Raleigh-Cary, NC 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 Raleigh-Cary, NC to match $100,000 in Chicago-Naperville-Elgin, IL-IN?

About $108,300. That scales $100,000 by the ratio of the metros' cost-of-living indexes (125.8 in Chicago-Naperville-Elgin, IL-IN, 136.2 in Raleigh-Cary, NC, from EPI family budgets); taxes are compared separately below.

Is Raleigh-Cary, NC cheaper than Chicago-Naperville-Elgin, IL-IN?

EPI's family budgets for a single adult put overall living costs 8.3% higher in Raleigh-Cary, NC than in Chicago-Naperville-Elgin, IL-IN. The budgets cover housing, food, transportation, health care and other necessities.