2026 Relocation & Cost Arbitrage Engine

Relocation: New York-Newark-Jersey City, NY-NJ to Worcester, MA

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 Worcester, MA.

Popular Corridors:
Equivalent Salary
$71,100
To maintain parity
Cost of Living Delta
-28.9%
Overall expenditure basket
Annual Tax Delta
+$3,521
State + local taxes
Annual 1BR Rent Delta
-$13,704
HUD Fair Market Rents
Net Annual Buffer
+$17,225/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

Worcester, MA

COL 128.7
Gross Parity Income $71,100
Federal Income Tax -$6,812
FICA (SS & Medicare) -$5,439
State Income Tax -$3,335
Local / City Tax $0
Net Annual Take-Home $55,514
HUD 1BR Fair Market Rent -$19,044
Discretionary Cash Flow $36,470

EPI family budgets put living costs 28.9% lower in Worcester, MA than in New York-Newark-Jersey City, NY-NJ, so $100,000 in New York goes about as far as $71,100 in Worcester. HUD's one-bedroom Fair Market Rent is $2,729 a month in New York and $1,587 in Worcester, $13,704 a year less. On the same $100,000 salary a single filer pays $3,521 less a year in federal, state and local income tax and FICA in Worcester. Taxes and one-bedroom rent together leave you about $17,225 a year better off. The BLS median wage across all occupations is $61,430 in New York and $57,830 in Worcester.

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) Worcester (Monthly) Monthly Delta ($) Difference (%)
Housing (1BR Fair Market Rent)$2,729$1,587-$1,142-41.8%
Food & Groceries$426$386-$40-9.4%
Transportation$693$1,085+$392+56.6%
Healthcare$748$420-$328-43.9%
Other Necessities$879$563-$316-35.9%
Total Taxes (Federal, State, Local, FICA)$2,427$2,133-$294-12.1%

HUD Fair Market Rent Differential

1-Bedroom Fair Market Rent -$1,142/mo (-41.8%)
New York-Newark-Jersey City: $2,729/mo Worcester: $1,587/mo
2-Bedroom Fair Market Rent -$928/mo (-31.2%)
New York-Newark-Jersey City: $2,971/mo Worcester: $2,043/mo

EPI Living Wage Benchmark Comparison

1 Adult (No Children) -$11.56/hr (-28.9%)
New York-Newark-Jersey City: $40.03/hr Worcester: $28.47/hr
2 Adults + 1 Child (per earner) -$7.79/hr (-22.8%)
New York-Newark-Jersey City: $34.19/hr Worcester: $26.40/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 Worcester Median Nominal Wage Delta Action
Registered Nurse (RN)HealthcareHealthcare$119,720$100,240-$19,480 (-16.3%)View Dossier
General and Operations ManagersFinance & ManagementFinance & Management$157,000$111,900-$45,100 (-28.7%)View Dossier
Software EngineerTechnologyTechnology$166,830$146,950-$19,880 (-11.9%)View Dossier
Accountant & AuditorFinanceFinance$105,650$94,070-$11,580 (-11.0%)View Dossier
Financial ManagerFinanceFinance$221,010$170,940-$50,070 (-22.7%)View Dossier
Project Management SpecialistBusiness OperationsBusiness Operations$126,660$100,290-$26,370 (-20.8%)View Dossier
Management AnalystBusiness OperationsBusiness Operations$124,390$122,180-$2,210 (-1.8%)View Dossier
Computer and Information Systems ManagersFinance & ManagementFinance & Management$215,300$193,890-$21,410 (-9.9%)View Dossier
Marketing ManagersFinance & ManagementFinance & Management$192,840$199,280+$6,440 (+3.3%)View Dossier
Financial AnalystFinanceFinance$128,930$98,960-$29,970 (-23.2%)View Dossier
Sales ManagersFinance & ManagementFinance & Management$215,150$162,810-$52,340 (-24.3%)View Dossier
ElectricianSkilled TradesSkilled Trades$79,020$75,510-$3,510 (-4.4%)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 Worcester, MA Relocation FAQs

About $71,100. That scales $100,000 by the ratio of the metros' cost-of-living indexes (181.0 in New York-Newark-Jersey City, NY-NJ, 128.7 in Worcester, MA, from EPI family budgets); taxes are compared separately below.

Triangular Relocation & Tax Silo

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

Reverse Route: Worcester, MA to New York-Newark-Jersey City, NY-NJ
Relocation: New York-Newark-Jersey City, NY-NJ to Worcester, MA Overview

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

About $71,100. That scales $100,000 by the ratio of the metros' cost-of-living indexes (181.0 in New York-Newark-Jersey City, NY-NJ, 128.7 in Worcester, MA, from EPI family budgets); taxes are compared separately below.

Is Worcester, MA cheaper than New York-Newark-Jersey City, NY-NJ?

EPI's family budgets for a single adult put overall living costs 28.9% lower in Worcester, MA than in New York-Newark-Jersey City, NY-NJ. The budgets cover housing, food, transportation, health care and other necessities.