2026 Relocation & Cost Arbitrage Engine

Relocation: Lewiston-Auburn, ME 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 Lewiston-Auburn, ME to Chicago-Naperville-Elgin, IL-IN.

Popular Corridors:
Equivalent Salary
$118,500
To maintain parity
Cost of Living Delta
+18.5%
Overall expenditure basket
Annual Tax Delta
+$324
State + local taxes
Annual 1BR Rent Delta
+$5,976
HUD Fair Market Rents
Net Annual Buffer
-$5,652/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

Lewiston-Auburn, ME

COL 106.1
Gross Annual Income $100,000
Federal Income Tax -$13,170
FICA (SS & Medicare) -$7,650
State Income Tax -$5,129
Local / City Tax $0
Net Annual Take-Home $74,051
HUD 1BR Fair Market Rent -$15,384
Discretionary Cash Flow $58,667
Target Market
Destination Location

Chicago-Naperville-Elgin, IL-IN

COL 125.8
Gross Parity Income $118,500
Federal Income Tax -$17,240
FICA (SS & Medicare) -$9,065
State Income Tax -$5,721
Local / City Tax $0
Net Annual Take-Home $86,474
HUD 1BR Fair Market Rent -$21,360
Discretionary Cash Flow $65,114

EPI family budgets put living costs 18.5% higher in Chicago-Naperville-Elgin, IL-IN than in Lewiston-Auburn, ME, so $100,000 in Lewiston goes about as far as $118,500 in Chicago. HUD's one-bedroom Fair Market Rent is $1,282 a month in Lewiston and $1,780 in Chicago, $5,976 a year more. On the same $100,000 salary a single filer pays $324 less a year in federal, state and local income tax and FICA in Chicago. Taxes and one-bedroom rent together leave you about $5,652 a year worse off. The BLS median wage across all occupations is $49,540 in Lewiston 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 Lewiston-Auburn (Monthly) Chicago-Naperville-Elgin (Monthly) Monthly Delta ($) Difference (%)
Housing (1BR Fair Market Rent)$1,282$1,780+$498+38.8%
Food & Groceries$371$385+$14+3.8%
Transportation$1,053$947-$106-10.1%
Healthcare$559$416-$143-25.6%
Other Necessities$394$572+$178+45.2%
Total Taxes (Federal, State, Local, FICA)$2,162$2,135-$27-1.2%

HUD Fair Market Rent Differential

1-Bedroom Fair Market Rent +$498/mo (38.8%)
Lewiston-Auburn: $1,282/mo Chicago-Naperville-Elgin: $1,780/mo
2-Bedroom Fair Market Rent +$334/mo (19.9%)
Lewiston-Auburn: $1,677/mo Chicago-Naperville-Elgin: $2,011/mo

EPI Living Wage Benchmark Comparison

1 Adult (No Children) +$4.35/hr (18.5%)
Lewiston-Auburn: $23.47/hr Chicago-Naperville-Elgin: $27.82/hr
2 Adults + 1 Child (per earner) +$2.31/hr (10.5%)
Lewiston-Auburn: $21.95/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 Lewiston-Auburn Median Chicago-Naperville-Elgin Median Nominal Wage Delta Action
General and Operations ManagersFinance & ManagementFinance & Management$96,730$109,390+$12,660 (+13.1%)View Dossier
Registered Nurse (RN)HealthcareHealthcare$85,870$100,490+$14,620 (+17.0%)View Dossier
Financial ManagerFinanceFinance$131,190$168,810+$37,620 (+28.7%)View Dossier
Accountant & AuditorFinanceFinance$75,980$82,360+$6,380 (+8.4%)View Dossier
Software EngineerTechnologyTechnology$117,700$134,380+$16,680 (+14.2%)View Dossier
Management AnalystBusiness OperationsBusiness Operations$86,530$105,090+$18,560 (+21.4%)View Dossier
Sales ManagersFinance & ManagementFinance & Management$125,230$158,690+$33,460 (+26.7%)View Dossier
Computer and Information Systems ManagersFinance & ManagementFinance & Management$138,050$173,760+$35,710 (+25.9%)View Dossier
Quality Control InspectorIndustrial ManufacturingIndustrial Manufacturing$48,310$48,230-$80 (-0.2%)View Dossier
Project Management SpecialistBusiness OperationsBusiness Operations$102,490$105,320+$2,830 (+2.8%)View Dossier
ElectricianSkilled TradesSkilled Trades$78,430$102,350+$23,920 (+30.5%)View Dossier
Marketing ManagersFinance & ManagementFinance & Management$126,140$165,340+$39,200 (+31.1%)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

Lewiston-Auburn, ME to Chicago-Naperville-Elgin, IL-IN Relocation FAQs

About $118,500. That scales $100,000 by the ratio of the metros' cost-of-living indexes (106.1 in Lewiston-Auburn, ME, 125.8 in Chicago-Naperville-Elgin, IL-IN, from EPI family budgets); taxes are compared separately below.

Triangular Relocation & Tax Silo

Lewiston-Auburn, ME to Chicago-Naperville-Elgin, IL-IN: State Paychecks, Rents & Reciprocal Corridor

Reverse Route: Chicago-Naperville-Elgin, IL-IN to Lewiston-Auburn, ME
Relocation: Lewiston-Auburn, ME to Chicago-Naperville-Elgin, IL-IN Overview

Lewiston-Auburn, ME 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: Lewiston-Auburn, ME 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 Lewiston-Auburn, ME?

About $118,500. That scales $100,000 by the ratio of the metros' cost-of-living indexes (106.1 in Lewiston-Auburn, ME, 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 Lewiston-Auburn, ME?

EPI's family budgets for a single adult put overall living costs 18.5% higher in Chicago-Naperville-Elgin, IL-IN than in Lewiston-Auburn, ME. The budgets cover housing, food, transportation, health care and other necessities.