2026 Relocation & Cost Arbitrage Engine

Relocation: New York-Newark-Jersey City, NY-NJ to Raleigh-Cary, NC

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 Raleigh-Cary, NC.

Popular Corridors:
Equivalent Salary
$75,300
To maintain parity
Cost of Living Delta
-24.7%
Overall expenditure basket
Annual Tax Delta
+$4,820
State + local taxes
Annual 1BR Rent Delta
-$14,124
HUD Fair Market Rents
Net Annual Buffer
+$18,944/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

Raleigh-Cary, NC

COL 136.2
Gross Parity Income $75,300
Federal Income Tax -$7,736
FICA (SS & Medicare) -$5,760
State Income Tax -$2,496
Local / City Tax $0
Net Annual Take-Home $59,308
HUD 1BR Fair Market Rent -$18,624
Discretionary Cash Flow $40,684

EPI family budgets put living costs 24.7% lower in Raleigh-Cary, NC than in New York-Newark-Jersey City, NY-NJ, so $100,000 in New York goes about as far as $75,300 in Raleigh. HUD's one-bedroom Fair Market Rent is $2,729 a month in New York and $1,552 in Raleigh, $14,124 a year less. On the same $100,000 salary a single filer pays $4,820 less a year in federal, state and local income tax and FICA in Raleigh. Taxes and one-bedroom rent together leave you about $18,944 a year better off. The BLS median wage across all occupations is $61,430 in New York and $51,990 in Raleigh.

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) Raleigh-Cary (Monthly) Monthly Delta ($) Difference (%)
Housing (1BR Fair Market Rent)$2,729$1,552-$1,177-43.1%
Food & Groceries$426$382-$44-10.3%
Transportation$693$1,109+$416+60.0%
Healthcare$748$451-$297-39.7%
Other Necessities$879$595-$284-32.3%
Total Taxes (Federal, State, Local, FICA)$2,427$2,025-$402-16.6%

HUD Fair Market Rent Differential

1-Bedroom Fair Market Rent -$1,177/mo (-43.1%)
New York-Newark-Jersey City: $2,729/mo Raleigh-Cary: $1,552/mo
2-Bedroom Fair Market Rent -$1,282/mo (-43.2%)
New York-Newark-Jersey City: $2,971/mo Raleigh-Cary: $1,689/mo

EPI Living Wage Benchmark Comparison

1 Adult (No Children) -$9.90/hr (-24.7%)
New York-Newark-Jersey City: $40.03/hr Raleigh-Cary: $30.13/hr
2 Adults + 1 Child (per earner) -$9.77/hr (-28.6%)
New York-Newark-Jersey City: $34.19/hr Raleigh-Cary: $24.42/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 Raleigh-Cary Median Nominal Wage Delta Action
Registered Nurse (RN)HealthcareHealthcare$119,720$84,830-$34,890 (-29.1%)View Dossier
General and Operations ManagersFinance & ManagementFinance & Management$157,000$114,940-$42,060 (-26.8%)View Dossier
Software EngineerTechnologyTechnology$166,830$132,770-$34,060 (-20.4%)View Dossier
Accountant & AuditorFinanceFinance$105,650$81,950-$23,700 (-22.4%)View Dossier
Financial ManagerFinanceFinance$221,010$163,130-$57,880 (-26.2%)View Dossier
Project Management SpecialistBusiness OperationsBusiness Operations$126,660$102,280-$24,380 (-19.2%)View Dossier
Management AnalystBusiness OperationsBusiness Operations$124,390$96,820-$27,570 (-22.2%)View Dossier
Computer and Information Systems ManagersFinance & ManagementFinance & Management$215,300$173,960-$41,340 (-19.2%)View Dossier
Marketing ManagersFinance & ManagementFinance & Management$192,840$167,640-$25,200 (-13.1%)View Dossier
Financial AnalystFinanceFinance$128,930$99,200-$29,730 (-23.1%)View Dossier
Sales ManagersFinance & ManagementFinance & Management$215,150$163,520-$51,630 (-24.0%)View Dossier
ElectricianSkilled TradesSkilled Trades$79,020$56,800-$22,220 (-28.1%)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

New York-Newark-Jersey City, NY-NJ to Raleigh-Cary, NC Relocation FAQs

About $75,300. That scales $100,000 by the ratio of the metros' cost-of-living indexes (181.0 in New York-Newark-Jersey City, NY-NJ, 136.2 in Raleigh-Cary, NC, from EPI family budgets); taxes are compared separately below.

Triangular Relocation & Tax Silo

New York-Newark-Jersey City, NY-NJ to Raleigh-Cary, NC: State Paychecks, Rents & Reciprocal Corridor

Reverse Route: Raleigh-Cary, NC to New York-Newark-Jersey City, NY-NJ
Relocation: New York-Newark-Jersey City, NY-NJ to Raleigh-Cary, NC Overview

New York-Newark-Jersey City, NY-NJ to Raleigh-Cary, NC: 2026 federal, state & local income tax, HUD Fair Market Rents & EPI living costs compared on the same.

Quick answers
How much salary do I need in Raleigh-Cary, NC to match $100,000 in New York-Newark-Jersey City, NY-NJ?

About $75,300. That scales $100,000 by the ratio of the metros' cost-of-living indexes (181.0 in New York-Newark-Jersey City, NY-NJ, 136.2 in Raleigh-Cary, NC, from EPI family budgets); taxes are compared separately below.

Is Raleigh-Cary, NC cheaper than New York-Newark-Jersey City, NY-NJ?

EPI's family budgets for a single adult put overall living costs 24.7% lower in Raleigh-Cary, NC than in New York-Newark-Jersey City, NY-NJ. The budgets cover housing, food, transportation, health care and other necessities.