2026 Relocation & Cost Arbitrage Engine

Relocation: Great Falls, MT to Chicago-Naperville-Elgin, 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 Great Falls, MT to Chicago-Naperville-Elgin, IL-IN.

Popular Corridors:
Equivalent Salary
$124,000
To maintain parity
Cost of Living Delta
+24.0%
Overall expenditure basket
Annual Tax Delta
-$516
State + local taxes
Annual 1BR Rent Delta
+$9,360
HUD Fair Market Rents
Net Annual Buffer
-$9,876/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

Great Falls, MT

COL 101.5
Gross Annual Income $100,000
Federal Income Tax -$13,170
FICA (SS & Medicare) -$7,650
State Income Tax -$4,289
Local / City Tax $0
Net Annual Take-Home $74,891
HUD 1BR Fair Market Rent -$12,000
Discretionary Cash Flow $62,891
Target Market
Destination Location

Chicago-Naperville-Elgin, IL-IN

COL 125.8
Gross Parity Income $124,000
Federal Income Tax -$18,494
FICA (SS & Medicare) -$9,486
State Income Tax -$5,993
Local / City Tax $0
Net Annual Take-Home $90,027
HUD 1BR Fair Market Rent -$21,360
Discretionary Cash Flow $68,667

EPI family budgets put living costs 24.0% higher in Chicago-Naperville-Elgin, IL-IN than in Great Falls, MT, so $100,000 in Great Falls goes about as far as $124,000 in Chicago. HUD's one-bedroom Fair Market Rent is $1,000 a month in Great Falls and $1,780 in Chicago, $9,360 a year more. On the same $100,000 salary a single filer pays $516 more a year in federal, state and local income tax and FICA in Chicago. Taxes and one-bedroom rent together leave you about $9,876 a year worse off. The BLS median wage across all occupations is $46,510 in Great Falls 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 Great Falls (Monthly) Chicago-Naperville-Elgin (Monthly) Monthly Delta ($) Difference (%)
Housing (1BR Fair Market Rent)$1,000$1,780+$780+78.0%
Food & Groceries$344$385+$41+11.9%
Transportation$1,022$947-$75-7.3%
Healthcare$459$416-$43-9.4%
Other Necessities$387$572+$185+47.8%
Total Taxes (Federal, State, Local, FICA)$2,092$2,135+$43+2.1%

HUD Fair Market Rent Differential

1-Bedroom Fair Market Rent +$780/mo (78.0%)
Great Falls: $1,000/mo Chicago-Naperville-Elgin: $1,780/mo
2-Bedroom Fair Market Rent +$703/mo (53.7%)
Great Falls: $1,308/mo Chicago-Naperville-Elgin: $2,011/mo

EPI Living Wage Benchmark Comparison

1 Adult (No Children) +$5.38/hr (24.0%)
Great Falls: $22.44/hr Chicago-Naperville-Elgin: $27.82/hr
2 Adults + 1 Child (per earner) +$2.78/hr (12.9%)
Great Falls: $21.48/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 Great Falls Median Chicago-Naperville-Elgin Median Nominal Wage Delta Action
General and Operations ManagersFinance & ManagementFinance & Management$88,780$109,390+$20,610 (+23.2%)View Dossier
Registered Nurse (RN)HealthcareHealthcare$78,290$100,490+$22,200 (+28.4%)View Dossier
Financial ManagerFinanceFinance$131,420$168,810+$37,390 (+28.5%)View Dossier
Accountant & AuditorFinanceFinance$72,510$82,360+$9,850 (+13.6%)View Dossier
Management AnalystBusiness OperationsBusiness Operations$95,690$105,090+$9,400 (+9.8%)View Dossier
Sales ManagersFinance & ManagementFinance & Management$111,270$158,690+$47,420 (+42.6%)View Dossier
Computer and Information Systems ManagersFinance & ManagementFinance & Management$133,670$173,760+$40,090 (+30.0%)View Dossier
Quality Control InspectorIndustrial ManufacturingIndustrial Manufacturing$59,900$48,230-$11,670 (-19.5%)View Dossier
Project Management SpecialistBusiness OperationsBusiness Operations$83,580$105,320+$21,740 (+26.0%)View Dossier
ElectricianSkilled TradesSkilled Trades$76,960$102,350+$25,390 (+33.0%)View Dossier
Marketing ManagersFinance & ManagementFinance & Management$177,930$165,340-$12,590 (-7.1%)View Dossier
Medical and Health Services ManagersFinance & ManagementFinance & Management$103,130$123,090+$19,960 (+19.4%)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

Great Falls, MT to Chicago-Naperville-Elgin, IL-IN Relocation FAQs

About $124,000. That scales $100,000 by the ratio of the metros' cost-of-living indexes (101.5 in Great Falls, MT, 125.8 in Chicago-Naperville-Elgin, IL-IN, from EPI family budgets); taxes are compared separately below.

Triangular Relocation & Tax Silo

Great Falls, MT to Chicago-Naperville-Elgin, IL-IN: State Paychecks, Rents & Reciprocal Corridor

Reverse Route: Chicago-Naperville-Elgin, IL-IN to Great Falls, MT
Relocation: Great Falls, MT to Chicago-Naperville-Elgin, IL-IN Overview

Great Falls, MT to Chicago-Naperville-Elgin, IL-IN: 2026 federal, state & local income tax, HUD Fair Market Rents & EPI living costs compared on the same. Official 2026 economic data for Relocation: Great Falls, MT to Chicago-Naperville-Elgin, 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 Great Falls, MT?

About $124,000. That scales $100,000 by the ratio of the metros' cost-of-living indexes (101.5 in Great Falls, MT, 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 Great Falls, MT?

EPI's family budgets for a single adult put overall living costs 24.0% higher in Chicago-Naperville-Elgin, IL-IN than in Great Falls, MT. The budgets cover housing, food, transportation, health care and other necessities.