2026 Relocation & Cost Arbitrage Engine

Relocation: Chicago-Naperville-Elgin, IL-IN to Tyler, 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 Tyler, TX.

Popular Corridors:
Equivalent Salary
$81,200
To maintain parity
Cost of Living Delta
-18.8%
Overall expenditure basket
Annual Tax Delta
+$4,805
State + local taxes
Annual 1BR Rent Delta
-$8,868
HUD Fair Market Rents
Net Annual Buffer
+$13,673/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

Tyler, TX

COL 102.1
Gross Parity Income $81,200
Federal Income Tax -$9,034
FICA (SS & Medicare) -$6,212
State Income Tax $0 (No State Tax)
Local / City Tax $0
Net Annual Take-Home $65,954
HUD 1BR Fair Market Rent -$12,492
Discretionary Cash Flow $53,462

EPI family budgets put living costs 18.8% lower in Tyler, TX than in Chicago-Naperville-Elgin, IL-IN, so $100,000 in Chicago goes about as far as $81,200 in Tyler. HUD's one-bedroom Fair Market Rent is $1,780 a month in Chicago and $1,041 in Tyler, $8,868 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 Tyler. Taxes and one-bedroom rent together leave you about $13,673 a year better off. The BLS median wage across all occupations is $54,720 in Chicago and $42,650 in Tyler.

Itemized Cost of Living Expenditure Arbitrage

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

Expenditure Category Chicago-Naperville-Elgin (Monthly) Tyler (Monthly) Monthly Delta ($) Difference (%)
Housing (1BR Fair Market Rent)$1,780$1,041-$739-41.5%
Food & Groceries$385$331-$54-14.0%
Transportation$947$1,102+$155+16.4%
Healthcare$416$464+$48+11.5%
Other Necessities$572$412-$160-28.0%
Total Taxes (Federal, State, Local, FICA)$2,135$1,735-$400-18.7%

HUD Fair Market Rent Differential

1-Bedroom Fair Market Rent -$739/mo (-41.5%)
Chicago-Naperville-Elgin: $1,780/mo Tyler: $1,041/mo
2-Bedroom Fair Market Rent -$734/mo (-36.5%)
Chicago-Naperville-Elgin: $2,011/mo Tyler: $1,277/mo

EPI Living Wage Benchmark Comparison

1 Adult (No Children) -$5.23/hr (-18.8%)
Chicago-Naperville-Elgin: $27.82/hr Tyler: $22.59/hr
2 Adults + 1 Child (per earner) -$4.68/hr (-19.3%)
Chicago-Naperville-Elgin: $24.26/hr Tyler: $19.58/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 Tyler Median Nominal Wage Delta Action
General and Operations ManagersFinance & ManagementFinance & Management$109,390$84,150-$25,240 (-23.1%)View Dossier
Registered Nurse (RN)HealthcareHealthcare$100,490$80,340-$20,150 (-20.1%)View Dossier
Accountant & AuditorFinanceFinance$82,360$72,900-$9,460 (-11.5%)View Dossier
Financial ManagerFinanceFinance$168,810$136,520-$32,290 (-19.1%)View Dossier
Software EngineerTechnologyTechnology$134,380$123,760-$10,620 (-7.9%)View Dossier
Management AnalystBusiness OperationsBusiness Operations$105,090$99,880-$5,210 (-5.0%)View Dossier
Sales ManagersFinance & ManagementFinance & Management$158,690$127,030-$31,660 (-20.0%)View Dossier
Computer and Information Systems ManagersFinance & ManagementFinance & Management$173,760$150,510-$23,250 (-13.4%)View Dossier
Quality Control InspectorIndustrial ManufacturingIndustrial Manufacturing$48,230$36,350-$11,880 (-24.6%)View Dossier
Project Management SpecialistBusiness OperationsBusiness Operations$105,320$79,110-$26,210 (-24.9%)View Dossier
ElectricianSkilled TradesSkilled Trades$102,350$50,260-$52,090 (-50.9%)View Dossier
Marketing ManagersFinance & ManagementFinance & Management$165,340$130,200-$35,140 (-21.3%)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 Tyler, TX Relocation FAQs

About $81,200. That scales $100,000 by the ratio of the metros' cost-of-living indexes (125.8 in Chicago-Naperville-Elgin, IL-IN, 102.1 in Tyler, TX, from EPI family budgets); taxes are compared separately below.

Triangular Relocation & Tax Silo

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

Reverse Route: Tyler, TX to Chicago-Naperville-Elgin, IL-IN
Relocation: Chicago-Naperville-Elgin, IL-IN to Tyler, TX Overview

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

About $81,200. That scales $100,000 by the ratio of the metros' cost-of-living indexes (125.8 in Chicago-Naperville-Elgin, IL-IN, 102.1 in Tyler, TX, from EPI family budgets); taxes are compared separately below.

Is Tyler, TX cheaper than Chicago-Naperville-Elgin, IL-IN?

EPI's family budgets for a single adult put overall living costs 18.8% lower in Tyler, TX than in Chicago-Naperville-Elgin, IL-IN. The budgets cover housing, food, transportation, health care and other necessities.