2026 Relocation & Cost Arbitrage Engine

Relocation: Denver-Aurora, CO 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 Denver-Aurora-Centennial, CO to Chicago-Naperville-Elgin, IL-IN.

Popular Corridors:
Equivalent Salary
$91,800
To maintain parity
Cost of Living Delta
-8.2%
Overall expenditure basket
Annual Tax Delta
-$1,045
State + local taxes
Annual 1BR Rent Delta
-$612
HUD Fair Market Rents
Net Annual Buffer
-$433/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

Denver-Aurora-Centennial, CO

COL 137.1
Gross Annual Income $100,000
Federal Income Tax -$13,170
FICA (SS & Medicare) -$7,650
State Income Tax -$3,692
Local / City Tax -$69
Net Annual Take-Home $75,419
HUD 1BR Fair Market Rent -$21,972
Discretionary Cash Flow $53,447
Target Market
Destination Location

Chicago-Naperville-Elgin, IL-IN

COL 125.8
Gross Parity Income $91,800
Federal Income Tax -$11,366
FICA (SS & Medicare) -$7,023
State Income Tax -$4,399
Local / City Tax $0
Net Annual Take-Home $69,012
HUD 1BR Fair Market Rent -$21,360
Discretionary Cash Flow $47,652

EPI family budgets put living costs 8.2% lower in Chicago-Naperville-Elgin, IL-IN than in Denver-Aurora-Centennial, CO, so $100,000 in Denver goes about as far as $91,800 in Chicago. HUD's one-bedroom Fair Market Rent is $1,831 a month in Denver and $1,780 in Chicago, $612 a year less. On the same $100,000 salary a single filer pays $1,045 more a year in federal, state and local income tax and FICA in Chicago. Taxes and one-bedroom rent together leave you about $433 a year worse off. The BLS median wage across all occupations is $62,320 in Denver 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 Denver-Aurora-Centennial (Monthly) Chicago-Naperville-Elgin (Monthly) Monthly Delta ($) Difference (%)
Housing (1BR Fair Market Rent)$1,831$1,780-$51-2.8%
Food & Groceries$384$385+$1+0.3%
Transportation$1,047$947-$100-9.6%
Healthcare$436$416-$20-4.6%
Other Necessities$628$572-$56-8.9%
Total Taxes (Federal, State, Local, FICA)$2,048$2,135+$87+4.2%

HUD Fair Market Rent Differential

1-Bedroom Fair Market Rent -$51/mo (-2.8%)
Denver-Aurora-Centennial: $1,831/mo Chicago-Naperville-Elgin: $1,780/mo
2-Bedroom Fair Market Rent -$158/mo (-7.3%)
Denver-Aurora-Centennial: $2,169/mo Chicago-Naperville-Elgin: $2,011/mo

EPI Living Wage Benchmark Comparison

1 Adult (No Children) -$2.50/hr (-8.2%)
Denver-Aurora-Centennial: $30.32/hr Chicago-Naperville-Elgin: $27.82/hr
2 Adults + 1 Child (per earner) -$3.87/hr (-13.8%)
Denver-Aurora-Centennial: $28.13/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 Denver-Aurora-Centennial Median Chicago-Naperville-Elgin Median Nominal Wage Delta Action
General and Operations ManagersFinance & ManagementFinance & Management$142,330$109,390-$32,940 (-23.1%)View Dossier
Registered Nurse (RN)HealthcareHealthcare$101,130$100,490-$640 (-0.6%)View Dossier
Software EngineerTechnologyTechnology$137,610$134,380-$3,230 (-2.3%)View Dossier
Accountant & AuditorFinanceFinance$100,020$82,360-$17,660 (-17.7%)View Dossier
Financial ManagerFinanceFinance$193,400$168,810-$24,590 (-12.7%)View Dossier
Management AnalystBusiness OperationsBusiness Operations$102,620$105,090+$2,470 (+2.4%)View Dossier
Project Management SpecialistBusiness OperationsBusiness Operations$116,740$105,320-$11,420 (-9.8%)View Dossier
Computer and Information Systems ManagersFinance & ManagementFinance & Management$203,340$173,760-$29,580 (-14.5%)View Dossier
Sales ManagersFinance & ManagementFinance & Management$181,580$158,690-$22,890 (-12.6%)View Dossier
ElectricianSkilled TradesSkilled Trades$63,150$102,350+$39,200 (+62.1%)View Dossier
Quality Control InspectorIndustrial ManufacturingIndustrial Manufacturing$58,430$48,230-$10,200 (-17.5%)View Dossier
Financial AnalystFinanceFinance$104,480$101,750-$2,730 (-2.6%)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

Denver-Aurora-Centennial, CO to Chicago-Naperville-Elgin, IL-IN Relocation FAQs

About $91,800. That scales $100,000 by the ratio of the metros' cost-of-living indexes (137.1 in Denver-Aurora-Centennial, CO, 125.8 in Chicago-Naperville-Elgin, IL-IN, from EPI family budgets); taxes are compared separately below.

Triangular Relocation & Tax Silo

Denver-Aurora-Centennial, CO to Chicago-Naperville-Elgin, IL-IN: State Paychecks, Rents & Reciprocal Corridor

Reverse Route: Chicago-Naperville-Elgin, IL-IN to Denver-Aurora-Centennial, CO
Relocation: Denver-Aurora, CO to Chicago Metro, IL-IN Overview

Denver-Aurora-Centennial, CO to Chicago-Naperville-Elgin, IL-IN: 2026 federal, state & local income tax, HUD Fair Market Rents & EPI living costs compared on. Official 2026 economic data for Relocation: Denver-Aurora, CO 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 Denver-Aurora-Centennial, CO?

About $91,800. That scales $100,000 by the ratio of the metros' cost-of-living indexes (137.1 in Denver-Aurora-Centennial, CO, 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 Denver-Aurora-Centennial, CO?

EPI's family budgets for a single adult put overall living costs 8.2% lower in Chicago-Naperville-Elgin, IL-IN than in Denver-Aurora-Centennial, CO. The budgets cover housing, food, transportation, health care and other necessities.