2026 Relocation & Cost Arbitrage Engine

Relocation: New York-Newark-Jersey City, NY-NJ to Minot, ND

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 New York-Newark-Jersey City, NY-NJ to Minot, ND.

Popular Corridors:
Equivalent Salary
$51,600
To maintain parity
Cost of Living Delta
-48.4%
Overall expenditure basket
Annual Tax Delta
+$7,632
State + local taxes
Annual 1BR Rent Delta
-$22,188
HUD Fair Market Rents
Net Annual Buffer
+$29,820/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

New York-Newark-Jersey City, NY-NJ

COL 181.0
Gross Annual Income $100,000
Federal Income Tax -$13,170
FICA (SS & Medicare) -$7,650
State Income Tax -$4,860
Local / City Tax -$3,441
Net Annual Take-Home $70,879
HUD 1BR Fair Market Rent -$32,748
Discretionary Cash Flow $38,131
Target Market
Destination Location

Minot, ND

COL 93.4
Gross Parity Income $51,600
Federal Income Tax -$4,012
FICA (SS & Medicare) -$3,947
State Income Tax $0 (No State Tax)
Local / City Tax $0
Net Annual Take-Home $43,641
HUD 1BR Fair Market Rent -$10,560
Discretionary Cash Flow $33,081

EPI family budgets put living costs 48.4% lower in Minot, ND than in New York-Newark-Jersey City, NY-NJ, so $100,000 in New York goes about as far as $51,600 in Minot. HUD's one-bedroom Fair Market Rent is $2,729 a month in New York and $880 in Minot, $22,188 a year less. On the same $100,000 salary a single filer pays $7,632 less a year in federal, state and local income tax and FICA in Minot. Taxes and one-bedroom rent together leave you about $29,820 a year better off. The BLS median wage across all occupations is $61,430 in New York and $48,940 in Minot.

Itemized Cost of Living Expenditure Arbitrage

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

Expenditure Category New York-Newark-Jersey City (Monthly) Minot (Monthly) Monthly Delta ($) Difference (%)
Housing (1BR Fair Market Rent)$2,729$880-$1,849-67.8%
Food & Groceries$426$341-$85-20.0%
Transportation$693$1,048+$355+51.2%
Healthcare$748$503-$245-32.8%
Other Necessities$879$330-$549-62.5%
Total Taxes (Federal, State, Local, FICA)$2,427$1,791-$636-26.2%

HUD Fair Market Rent Differential

1-Bedroom Fair Market Rent -$1,849/mo (-67.8%)
New York-Newark-Jersey City: $2,729/mo Minot: $880/mo
2-Bedroom Fair Market Rent -$1,861/mo (-62.6%)
New York-Newark-Jersey City: $2,971/mo Minot: $1,110/mo

EPI Living Wage Benchmark Comparison

1 Adult (No Children) -$20.83/hr (-52.0%)
New York-Newark-Jersey City: $40.03/hr Minot: $19.20/hr
2 Adults + 1 Child (per earner) +$3.21/hr (9.4%)
New York-Newark-Jersey City: $34.19/hr Minot: $37.40/hr

Top Local Occupations Wage Parity

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

Occupation Title Industry Sector New York-Newark-Jersey City Median Minot Median Nominal Wage Delta Action
Registered Nurse (RN)HealthcareHealthcare$119,720$80,490-$39,230 (-32.8%)View Dossier
General and Operations ManagersFinance & ManagementFinance & Management$157,000$93,120-$63,880 (-40.7%)View Dossier
Software EngineerTechnologyTechnology$166,830$108,470-$58,360 (-35.0%)View Dossier
Accountant & AuditorFinanceFinance$105,650$73,510-$32,140 (-30.4%)View Dossier
Financial ManagerFinanceFinance$221,010$130,770-$90,240 (-40.8%)View Dossier
Project Management SpecialistBusiness OperationsBusiness Operations$126,660$86,990-$39,670 (-31.3%)View Dossier
Management AnalystBusiness OperationsBusiness Operations$124,390$84,320-$40,070 (-32.2%)View Dossier
Computer and Information Systems ManagersFinance & ManagementFinance & Management$215,300$138,290-$77,010 (-35.8%)View Dossier
Sales ManagersFinance & ManagementFinance & Management$215,150$120,070-$95,080 (-44.2%)View Dossier
ElectricianSkilled TradesSkilled Trades$79,020$59,800-$19,220 (-24.3%)View Dossier
Medical and Health Services ManagersFinance & ManagementFinance & Management$167,580$107,730-$59,850 (-35.7%)View Dossier
HVAC/R TechnicianSkilled TradesSkilled Trades$77,990$63,950-$14,040 (-18.0%)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

New York-Newark-Jersey City, NY-NJ to Minot, ND Relocation FAQs

About $51,600. That scales $100,000 by the ratio of the metros' cost-of-living indexes (181.0 in New York-Newark-Jersey City, NY-NJ, 93.4 in Minot, ND, from EPI family budgets); taxes are compared separately below.

Triangular Relocation & Tax Silo

New York-Newark-Jersey City, NY-NJ to Minot, ND: State Paychecks, Rents & Reciprocal Corridor

Reverse Route: Minot, ND to New York-Newark-Jersey City, NY-NJ
Relocation: New York-Newark-Jersey City, NY-NJ to Minot, ND Overview

New York-Newark-Jersey City, NY-NJ to Minot, ND: 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 Minot, ND to match $100,000 in New York-Newark-Jersey City, NY-NJ?

About $51,600. That scales $100,000 by the ratio of the metros' cost-of-living indexes (181.0 in New York-Newark-Jersey City, NY-NJ, 93.4 in Minot, ND, from EPI family budgets); taxes are compared separately below.

Is Minot, ND cheaper than New York-Newark-Jersey City, NY-NJ?

EPI's family budgets for a single adult put overall living costs 48.4% lower in Minot, ND than in New York-Newark-Jersey City, NY-NJ. The budgets cover housing, food, transportation, health care and other necessities.