2026 Relocation & Cost Arbitrage Engine

Relocation: Chicago-Naperville-Elgin, IL-IN to Worcester, 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 Worcester, MA.

Popular Corridors:
Equivalent Salary
$102,300
To maintain parity
Cost of Living Delta
+2.3%
Overall expenditure basket
Annual Tax Delta
+$25
State + local taxes
Annual 1BR Rent Delta
-$2,316
HUD Fair Market Rents
Net Annual Buffer
+$2,341/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

Worcester, MA

COL 128.7
Gross Parity Income $102,300
Federal Income Tax -$13,676
FICA (SS & Medicare) -$7,826
State Income Tax -$4,895
Local / City Tax $0
Net Annual Take-Home $75,903
HUD 1BR Fair Market Rent -$19,044
Discretionary Cash Flow $56,859

EPI family budgets put living costs 2.3% higher in Worcester, MA than in Chicago-Naperville-Elgin, IL-IN, so $100,000 in Chicago goes about as far as $102,300 in Worcester. HUD's one-bedroom Fair Market Rent is $1,780 a month in Chicago and $1,587 in Worcester, $2,316 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 Worcester. Taxes and one-bedroom rent together leave you about $2,341 a year better off. The BLS median wage across all occupations is $54,720 in Chicago and $57,830 in Worcester.

Itemized Cost of Living Expenditure Arbitrage

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

Expenditure Category Chicago-Naperville-Elgin (Monthly) Worcester (Monthly) Monthly Delta ($) Difference (%)
Housing (1BR Fair Market Rent)$1,780$1,587-$193-10.8%
Food & Groceries$385$386+$1+0.3%
Transportation$947$1,085+$138+14.6%
Healthcare$416$420+$4+1.0%
Other Necessities$572$563-$9-1.6%
Total Taxes (Federal, State, Local, FICA)$2,135$2,133-$2-0.1%

HUD Fair Market Rent Differential

1-Bedroom Fair Market Rent -$193/mo (-10.8%)
Chicago-Naperville-Elgin: $1,780/mo Worcester: $1,587/mo
2-Bedroom Fair Market Rent +$32/mo (1.6%)
Chicago-Naperville-Elgin: $2,011/mo Worcester: $2,043/mo

EPI Living Wage Benchmark Comparison

1 Adult (No Children) +$0.65/hr (2.3%)
Chicago-Naperville-Elgin: $27.82/hr Worcester: $28.47/hr
2 Adults + 1 Child (per earner) +$2.14/hr (8.8%)
Chicago-Naperville-Elgin: $24.26/hr Worcester: $26.40/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 Worcester Median Nominal Wage Delta Action
General and Operations ManagersFinance & ManagementFinance & Management$109,390$111,900+$2,510 (+2.3%)View Dossier
Registered Nurse (RN)HealthcareHealthcare$100,490$100,240-$250 (-0.2%)View Dossier
Accountant & AuditorFinanceFinance$82,360$94,070+$11,710 (+14.2%)View Dossier
Financial ManagerFinanceFinance$168,810$170,940+$2,130 (+1.3%)View Dossier
Software EngineerTechnologyTechnology$134,380$146,950+$12,570 (+9.4%)View Dossier
Management AnalystBusiness OperationsBusiness Operations$105,090$122,180+$17,090 (+16.3%)View Dossier
Sales ManagersFinance & ManagementFinance & Management$158,690$162,810+$4,120 (+2.6%)View Dossier
Computer and Information Systems ManagersFinance & ManagementFinance & Management$173,760$193,890+$20,130 (+11.6%)View Dossier
Quality Control InspectorIndustrial ManufacturingIndustrial Manufacturing$48,230$49,660+$1,430 (+3.0%)View Dossier
Project Management SpecialistBusiness OperationsBusiness Operations$105,320$100,290-$5,030 (-4.8%)View Dossier
ElectricianSkilled TradesSkilled Trades$102,350$75,510-$26,840 (-26.2%)View Dossier
Medical and Health Services ManagersFinance & ManagementFinance & Management$123,090$125,890+$2,800 (+2.3%)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 Worcester, MA Relocation FAQs

About $102,300. That scales $100,000 by the ratio of the metros' cost-of-living indexes (125.8 in Chicago-Naperville-Elgin, IL-IN, 128.7 in Worcester, MA, from EPI family budgets); taxes are compared separately below.

Triangular Relocation & Tax Silo

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

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

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

About $102,300. That scales $100,000 by the ratio of the metros' cost-of-living indexes (125.8 in Chicago-Naperville-Elgin, IL-IN, 128.7 in Worcester, MA, from EPI family budgets); taxes are compared separately below.

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

EPI's family budgets for a single adult put overall living costs 2.3% higher in Worcester, MA than in Chicago-Naperville-Elgin, IL-IN. The budgets cover housing, food, transportation, health care and other necessities.