2026 Relocation & Cost Arbitrage Engine

Relocation: New York-Newark-Jersey City, NY-NJ 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 New York-Newark-Jersey City, NY-NJ to Peoria, IL.

Popular Corridors:
Equivalent Salary
$55,000
To maintain parity
Cost of Living Delta
-45.0%
Overall expenditure basket
Annual Tax Delta
+$3,496
State + local taxes
Annual 1BR Rent Delta
-$21,216
HUD Fair Market Rents
Net Annual Buffer
+$24,712/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

Peoria, IL

COL 99.6
Gross Parity Income $55,000
Federal Income Tax -$4,420
FICA (SS & Medicare) -$4,208
State Income Tax -$2,578
Local / City Tax $0
Net Annual Take-Home $43,795
HUD 1BR Fair Market Rent -$11,532
Discretionary Cash Flow $32,263

EPI family budgets put living costs 45.0% lower in Peoria, IL than in New York-Newark-Jersey City, NY-NJ, so $100,000 in New York goes about as far as $55,000 in Peoria. HUD's one-bedroom Fair Market Rent is $2,729 a month in New York and $961 in Peoria, $21,216 a year less. On the same $100,000 salary a single filer pays $3,496 less a year in federal, state and local income tax and FICA in Peoria. Taxes and one-bedroom rent together leave you about $24,712 a year better off. The BLS median wage across all occupations is $61,430 in New York 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 New York-Newark-Jersey City (Monthly) Peoria (Monthly) Monthly Delta ($) Difference (%)
Housing (1BR Fair Market Rent)$2,729$961-$1,768-64.8%
Food & Groceries$426$353-$73-17.1%
Transportation$693$1,052+$359+51.8%
Healthcare$748$590-$158-21.1%
Other Necessities$879$332-$547-62.2%
Total Taxes (Federal, State, Local, FICA)$2,427$2,135-$292-12.0%

HUD Fair Market Rent Differential

1-Bedroom Fair Market Rent -$1,768/mo (-64.8%)
New York-Newark-Jersey City: $2,729/mo Peoria: $961/mo
2-Bedroom Fair Market Rent -$1,759/mo (-59.2%)
New York-Newark-Jersey City: $2,971/mo Peoria: $1,212/mo

EPI Living Wage Benchmark Comparison

1 Adult (No Children) -$18.01/hr (-45.0%)
New York-Newark-Jersey City: $40.03/hr Peoria: $22.02/hr
2 Adults + 1 Child (per earner) -$12.28/hr (-35.9%)
New York-Newark-Jersey City: $34.19/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 New York-Newark-Jersey City Median Peoria Median Nominal Wage Delta Action
Registered Nurse (RN)HealthcareHealthcare$119,720$81,010-$38,710 (-32.3%)View Dossier
General and Operations ManagersFinance & ManagementFinance & Management$157,000$98,290-$58,710 (-37.4%)View Dossier
Software EngineerTechnologyTechnology$166,830$130,590-$36,240 (-21.7%)View Dossier
Accountant & AuditorFinanceFinance$105,650$79,540-$26,110 (-24.7%)View Dossier
Financial ManagerFinanceFinance$221,010$155,840-$65,170 (-29.5%)View Dossier
Project Management SpecialistBusiness OperationsBusiness Operations$126,660$123,730-$2,930 (-2.3%)View Dossier
Management AnalystBusiness OperationsBusiness Operations$124,390$96,530-$27,860 (-22.4%)View Dossier
Computer and Information Systems ManagersFinance & ManagementFinance & Management$215,300$173,870-$41,430 (-19.2%)View Dossier
Marketing ManagersFinance & ManagementFinance & Management$192,840$155,400-$37,440 (-19.4%)View Dossier
Financial AnalystFinanceFinance$128,930$83,500-$45,430 (-35.2%)View Dossier
Sales ManagersFinance & ManagementFinance & Management$215,150$131,660-$83,490 (-38.8%)View Dossier
ElectricianSkilled TradesSkilled Trades$79,020$80,460+$1,440 (+1.8%)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 Peoria, IL Relocation FAQs

About $55,000. That scales $100,000 by the ratio of the metros' cost-of-living indexes (181.0 in New York-Newark-Jersey City, NY-NJ, 99.6 in Peoria, IL, from EPI family budgets); taxes are compared separately below.

Triangular Relocation & Tax Silo

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

Reverse Route: Peoria, IL to New York-Newark-Jersey City, NY-NJ
Relocation: New York-Newark-Jersey City, NY-NJ to Peoria, IL Overview

New York-Newark-Jersey City, NY-NJ 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 New York-Newark-Jersey City, NY-NJ?

About $55,000. That scales $100,000 by the ratio of the metros' cost-of-living indexes (181.0 in New York-Newark-Jersey City, NY-NJ, 99.6 in Peoria, IL, from EPI family budgets); taxes are compared separately below.

Is Peoria, IL cheaper than New York-Newark-Jersey City, NY-NJ?

EPI's family budgets for a single adult put overall living costs 45.0% lower in Peoria, IL than in New York-Newark-Jersey City, NY-NJ. The budgets cover housing, food, transportation, health care and other necessities.