2026 Relocation & Cost Arbitrage Engine

Relocation: New York-Newark-Jersey City, NY-NJ to Ogden, UT

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 Ogden, UT.

Popular Corridors:
Equivalent Salary
$67,000
To maintain parity
Cost of Living Delta
-33.0%
Overall expenditure basket
Annual Tax Delta
+$3,801
State + local taxes
Annual 1BR Rent Delta
-$17,736
HUD Fair Market Rents
Net Annual Buffer
+$21,537/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

Ogden, UT

COL 121.2
Gross Parity Income $67,000
Federal Income Tax -$5,910
FICA (SS & Medicare) -$5,126
State Income Tax -$2,683
Local / City Tax $0
Net Annual Take-Home $53,281
HUD 1BR Fair Market Rent -$15,012
Discretionary Cash Flow $38,269

EPI family budgets put living costs 33.0% lower in Ogden, UT than in New York-Newark-Jersey City, NY-NJ, so $100,000 in New York goes about as far as $67,000 in Ogden. HUD's one-bedroom Fair Market Rent is $2,729 a month in New York and $1,251 in Ogden, $17,736 a year less. On the same $100,000 salary a single filer pays $3,801 less a year in federal, state and local income tax and FICA in Ogden. Taxes and one-bedroom rent together leave you about $21,537 a year better off. The BLS median wage across all occupations is $61,430 in New York and $48,900 in Ogden.

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) Ogden (Monthly) Monthly Delta ($) Difference (%)
Housing (1BR Fair Market Rent)$2,729$1,251-$1,478-54.2%
Food & Groceries$426$351-$75-17.6%
Transportation$693$1,197+$504+72.7%
Healthcare$748$502-$246-32.9%
Other Necessities$879$469-$410-46.6%
Total Taxes (Federal, State, Local, FICA)$2,427$2,110-$317-13.1%

HUD Fair Market Rent Differential

1-Bedroom Fair Market Rent -$1,478/mo (-54.2%)
New York-Newark-Jersey City: $2,729/mo Ogden: $1,251/mo
2-Bedroom Fair Market Rent -$1,380/mo (-46.4%)
New York-Newark-Jersey City: $2,971/mo Ogden: $1,591/mo

EPI Living Wage Benchmark Comparison

1 Adult (No Children) -$13.22/hr (-33.0%)
New York-Newark-Jersey City: $40.03/hr Ogden: $26.81/hr
2 Adults + 1 Child (per earner) -$10.88/hr (-31.8%)
New York-Newark-Jersey City: $34.19/hr Ogden: $23.31/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 Ogden Median Nominal Wage Delta Action
Registered Nurse (RN)HealthcareHealthcare$119,720$81,840-$37,880 (-31.6%)View Dossier
General and Operations ManagersFinance & ManagementFinance & Management$157,000$93,610-$63,390 (-40.4%)View Dossier
Software EngineerTechnologyTechnology$166,830$109,880-$56,950 (-34.1%)View Dossier
Accountant & AuditorFinanceFinance$105,650$82,010-$23,640 (-22.4%)View Dossier
Financial ManagerFinanceFinance$221,010$135,300-$85,710 (-38.8%)View Dossier
Project Management SpecialistBusiness OperationsBusiness Operations$126,660$104,360-$22,300 (-17.6%)View Dossier
Management AnalystBusiness OperationsBusiness Operations$124,390$91,560-$32,830 (-26.4%)View Dossier
Computer and Information Systems ManagersFinance & ManagementFinance & Management$215,300$162,710-$52,590 (-24.4%)View Dossier
Marketing ManagersFinance & ManagementFinance & Management$192,840$124,810-$68,030 (-35.3%)View Dossier
Financial AnalystFinanceFinance$128,930$91,410-$37,520 (-29.1%)View Dossier
Sales ManagersFinance & ManagementFinance & Management$215,150$131,320-$83,830 (-39.0%)View Dossier
ElectricianSkilled TradesSkilled Trades$79,020$62,030-$16,990 (-21.5%)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

New York-Newark-Jersey City, NY-NJ to Ogden, UT Relocation FAQs

About $67,000. That scales $100,000 by the ratio of the metros' cost-of-living indexes (181.0 in New York-Newark-Jersey City, NY-NJ, 121.2 in Ogden, UT, from EPI family budgets); taxes are compared separately below.

Triangular Relocation & Tax Silo

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

Reverse Route: Ogden, UT to New York-Newark-Jersey City, NY-NJ
Relocation: New York-Newark-Jersey City, NY-NJ to Ogden, UT Overview

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

About $67,000. That scales $100,000 by the ratio of the metros' cost-of-living indexes (181.0 in New York-Newark-Jersey City, NY-NJ, 121.2 in Ogden, UT, from EPI family budgets); taxes are compared separately below.

Is Ogden, UT cheaper than New York-Newark-Jersey City, NY-NJ?

EPI's family budgets for a single adult put overall living costs 33.0% lower in Ogden, UT than in New York-Newark-Jersey City, NY-NJ. The budgets cover housing, food, transportation, health care and other necessities.