2026 Relocation & Cost Arbitrage Engine

Relocation: Louisville/Jefferson County, KY-IN to Peoria, IL

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 Louisville/Jefferson County, KY-IN to Peoria, IL.

Popular Corridors:
Equivalent Salary
$94,000
To maintain parity
Cost of Living Delta
-6.0%
Overall expenditure basket
Annual Tax Delta
+$777
State + local taxes
Annual 1BR Rent Delta
-$1,164
HUD Fair Market Rents
Net Annual Buffer
+$1,941/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

Louisville/Jefferson County, KY-IN

COL 105.9
Gross Annual Income $100,000
Federal Income Tax -$13,170
FICA (SS & Medicare) -$7,650
State Income Tax -$3,382
Local / City Tax -$2,200
Net Annual Take-Home $73,598
HUD 1BR Fair Market Rent -$12,696
Discretionary Cash Flow $60,902
Target Market
Destination Location

Peoria, IL

COL 99.6
Gross Parity Income $94,000
Federal Income Tax -$11,850
FICA (SS & Medicare) -$7,191
State Income Tax -$4,508
Local / City Tax $0
Net Annual Take-Home $70,451
HUD 1BR Fair Market Rent -$11,532
Discretionary Cash Flow $58,919

EPI family budgets put living costs 6.0% lower in Peoria, IL than in Louisville/Jefferson County, KY-IN, so $100,000 in Louisville goes about as far as $94,000 in Peoria. HUD's one-bedroom Fair Market Rent is $1,058 a month in Louisville and $961 in Peoria, $1,164 a year less. On the same $100,000 salary a single filer pays $777 less a year in federal, state and local income tax and FICA in Peoria. Taxes and one-bedroom rent together leave you about $1,941 a year better off. The BLS median wage across all occupations is $48,370 in Louisville and $49,590 in Peoria.

Itemized Cost of Living Expenditure Arbitrage

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

Expenditure Category Louisville/Jefferson County (Monthly) Peoria (Monthly) Monthly Delta ($) Difference (%)
Housing (1BR Fair Market Rent)$1,058$961-$97-9.2%
Food & Groceries$346$353+$7+2.0%
Transportation$1,037$1,052+$15+1.4%
Healthcare$424$590+$166+39.2%
Other Necessities$419$332-$87-20.8%
Total Taxes (Federal, State, Local, FICA)$2,200$2,135-$65-3.0%

HUD Fair Market Rent Differential

1-Bedroom Fair Market Rent -$97/mo (-9.2%)
Louisville/Jefferson County: $1,058/mo Peoria: $961/mo
2-Bedroom Fair Market Rent -$64/mo (-5.0%)
Louisville/Jefferson County: $1,276/mo Peoria: $1,212/mo

EPI Living Wage Benchmark Comparison

1 Adult (No Children) -$1.41/hr (-6.0%)
Louisville/Jefferson County: $23.43/hr Peoria: $22.02/hr
2 Adults + 1 Child (per earner) +$0.42/hr (2.0%)
Louisville/Jefferson County: $21.49/hr Peoria: $21.91/hr

Top Local Occupations Wage Parity

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

Occupation Title Industry Sector Louisville/Jefferson County Median Peoria Median Nominal Wage Delta Action
Registered Nurse (RN)HealthcareHealthcare$84,850$81,010-$3,840 (-4.5%)View Dossier
General and Operations ManagersFinance & ManagementFinance & Management$89,140$98,290+$9,150 (+10.3%)View Dossier
Accountant & AuditorFinanceFinance$76,320$79,540+$3,220 (+4.2%)View Dossier
ElectricianSkilled TradesSkilled Trades$62,440$80,460+$18,020 (+28.9%)View Dossier
Quality Control InspectorIndustrial ManufacturingIndustrial Manufacturing$48,000$56,770+$8,770 (+18.3%)View Dossier
Software EngineerTechnologyTechnology$110,270$130,590+$20,320 (+18.4%)View Dossier
Project Management SpecialistBusiness OperationsBusiness Operations$82,660$123,730+$41,070 (+49.7%)View Dossier
Industrial Machinery MechanicIndustrial ManufacturingIndustrial Manufacturing$62,590$74,780+$12,190 (+19.5%)View Dossier
Financial ManagerFinanceFinance$136,970$155,840+$18,870 (+13.8%)View Dossier
Medical and Health Services ManagersFinance & ManagementFinance & Management$112,070$110,510-$1,560 (-1.4%)View Dossier
Plumber & PipefitterSkilled TradesSkilled Trades$74,680$85,090+$10,410 (+13.9%)View Dossier
Sales ManagersFinance & ManagementFinance & Management$137,880$131,660-$6,220 (-4.5%)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

Louisville/Jefferson County, KY-IN to Peoria, IL Relocation FAQs

About $94,000. That scales $100,000 by the ratio of the metros' cost-of-living indexes (105.9 in Louisville/Jefferson County, KY-IN, 99.6 in Peoria, IL, from EPI family budgets); taxes are compared separately below.

Triangular Relocation & Tax Silo

Louisville/Jefferson County, KY-IN to Peoria, IL: State Paychecks, Rents & Reciprocal Corridor

Reverse Route: Peoria, IL to Louisville/Jefferson County, KY-IN
Relocation: Louisville/Jefferson County, KY-IN to Peoria, IL Overview

Louisville/Jefferson County, KY-IN to Peoria, IL: 2026 federal, state & local income tax, HUD Fair Market Rents & EPI living costs compared on the same salary.

Quick answers
How much salary do I need in Peoria, IL to match $100,000 in Louisville/Jefferson County, KY-IN?

About $94,000. That scales $100,000 by the ratio of the metros' cost-of-living indexes (105.9 in Louisville/Jefferson County, KY-IN, 99.6 in Peoria, IL, from EPI family budgets); taxes are compared separately below.

Is Peoria, IL cheaper than Louisville/Jefferson County, KY-IN?

EPI's family budgets for a single adult put overall living costs 6.0% lower in Peoria, IL than in Louisville/Jefferson County, KY-IN. The budgets cover housing, food, transportation, health care and other necessities.