2026 Relocation & Cost Arbitrage Engine

Relocation: Dallas-Fort Worth, TX to Chicago Metro, IL-IN

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 Dallas-Fort Worth-Arlington, TX to Chicago-Naperville-Elgin, IL-IN.

Popular Corridors:
Equivalent Salary
$102,300
To maintain parity
Cost of Living Delta
+2.3%
Overall expenditure basket
Annual Tax Delta
-$4,805
State + local taxes
Annual 1BR Rent Delta
+$2,928
HUD Fair Market Rents
Net Annual Buffer
-$7,733/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

Dallas-Fort Worth-Arlington, TX

COL 123.0
Gross Annual Income $100,000
Federal Income Tax -$13,170
FICA (SS & Medicare) -$7,650
State Income Tax -$0
Local / City Tax $0
Net Annual Take-Home $79,180
HUD 1BR Fair Market Rent -$18,432
Discretionary Cash Flow $60,748
Target Market
Destination Location

Chicago-Naperville-Elgin, IL-IN

COL 125.8
Gross Parity Income $102,300
Federal Income Tax -$13,676
FICA (SS & Medicare) -$7,826
State Income Tax -$4,919
Local / City Tax $0
Net Annual Take-Home $75,879
HUD 1BR Fair Market Rent -$21,360
Discretionary Cash Flow $54,519

EPI family budgets put living costs 2.3% higher in Chicago-Naperville-Elgin, IL-IN than in Dallas-Fort Worth-Arlington, TX, so $100,000 in Dallas goes about as far as $102,300 in Chicago. HUD's one-bedroom Fair Market Rent is $1,536 a month in Dallas and $1,780 in Chicago, $2,928 a year more. On the same $100,000 salary a single filer pays $4,805 more a year in federal, state and local income tax and FICA in Chicago. Taxes and one-bedroom rent together leave you about $7,733 a year worse off. The BLS median wage across all occupations is $51,440 in Dallas and $54,720 in Chicago.

Itemized Cost of Living Expenditure Arbitrage

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

Expenditure Category Dallas-Fort Worth-Arlington (Monthly) Chicago-Naperville-Elgin (Monthly) Monthly Delta ($) Difference (%)
Housing (1BR Fair Market Rent)$1,536$1,780+$244+15.9%
Food & Groceries$342$385+$43+12.6%
Transportation$1,011$947-$64-6.3%
Healthcare$459$416-$43-9.4%
Other Necessities$582$572-$10-1.7%
Total Taxes (Federal, State, Local, FICA)$1,735$2,135+$400+23.1%

HUD Fair Market Rent Differential

1-Bedroom Fair Market Rent +$244/mo (15.9%)
Dallas-Fort Worth-Arlington: $1,536/mo Chicago-Naperville-Elgin: $1,780/mo
2-Bedroom Fair Market Rent +$204/mo (11.3%)
Dallas-Fort Worth-Arlington: $1,807/mo Chicago-Naperville-Elgin: $2,011/mo

EPI Living Wage Benchmark Comparison

1 Adult (No Children) +$0.62/hr (2.3%)
Dallas-Fort Worth-Arlington: $27.20/hr Chicago-Naperville-Elgin: $27.82/hr
2 Adults + 1 Child (per earner) +$1.34/hr (5.8%)
Dallas-Fort Worth-Arlington: $22.92/hr Chicago-Naperville-Elgin: $24.26/hr

Top Local Occupations Wage Parity

BLS median wage comparisons across benchmark roles between both metropolitan labor markets.

Occupation Title Industry Sector Dallas-Fort Worth-Arlington Median Chicago-Naperville-Elgin Median Nominal Wage Delta Action
General and Operations ManagersFinance & ManagementFinance & Management$111,010$109,390-$1,620 (-1.5%)View Dossier
Registered Nurse (RN)HealthcareHealthcare$101,420$100,490-$930 (-0.9%)View Dossier
Software EngineerTechnologyTechnology$133,290$134,380+$1,090 (+0.8%)View Dossier
Accountant & AuditorFinanceFinance$82,620$82,360-$260 (-0.3%)View Dossier
Financial ManagerFinanceFinance$169,200$168,810-$390 (-0.2%)View Dossier
Project Management SpecialistBusiness OperationsBusiness Operations$98,900$105,320+$6,420 (+6.5%)View Dossier
Computer and Information Systems ManagersFinance & ManagementFinance & Management$173,810$173,760-$50 (-0.0%)View Dossier
Management AnalystBusiness OperationsBusiness Operations$102,860$105,090+$2,230 (+2.2%)View Dossier
Sales ManagersFinance & ManagementFinance & Management$144,290$158,690+$14,400 (+10.0%)View Dossier
Quality Control InspectorIndustrial ManufacturingIndustrial Manufacturing$46,210$48,230+$2,020 (+4.4%)View Dossier
ElectricianSkilled TradesSkilled Trades$59,010$102,350+$43,340 (+73.4%)View Dossier
Medical and Health Services ManagersFinance & ManagementFinance & Management$121,640$123,090+$1,450 (+1.2%)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

Dallas-Fort Worth-Arlington, TX to Chicago-Naperville-Elgin, IL-IN Relocation FAQs

About $102,300. That scales $100,000 by the ratio of the metros' cost-of-living indexes (123.0 in Dallas-Fort Worth-Arlington, TX, 125.8 in Chicago-Naperville-Elgin, IL-IN, from EPI family budgets); taxes are compared separately below.

Triangular Relocation & Tax Silo

Dallas-Fort Worth-Arlington, TX to Chicago-Naperville-Elgin, IL-IN: State Paychecks, Rents & Reciprocal Corridor

Reverse Route: Chicago-Naperville-Elgin, IL-IN to Dallas-Fort Worth-Arlington, TX
Relocation: Dallas-Fort Worth, TX to Chicago Metro, IL-IN Overview

Dallas-Fort Worth-Arlington, TX to Chicago-Naperville-Elgin, IL-IN: 2026 federal, state & local income tax, HUD Fair Market Rents & EPI living costs compared. Official 2026 economic data for Relocation: Dallas-Fort Worth, TX to Chicago Metro, IL-IN 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 Chicago-Naperville-Elgin, IL-IN to match $100,000 in Dallas-Fort Worth-Arlington, TX?

About $102,300. That scales $100,000 by the ratio of the metros' cost-of-living indexes (123.0 in Dallas-Fort Worth-Arlington, TX, 125.8 in Chicago-Naperville-Elgin, IL-IN, from EPI family budgets); taxes are compared separately below.

Is Chicago-Naperville-Elgin, IL-IN cheaper than Dallas-Fort Worth-Arlington, TX?

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