2026 Relocation & Cost Arbitrage Engine

Relocation: Ogden, UT to Chicago-Naperville-Elgin, IL-IN

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 Ogden, UT to Chicago-Naperville-Elgin, IL-IN.

Popular Corridors:
Equivalent Salary
$103,800
To maintain parity
Cost of Living Delta
+3.8%
Overall expenditure basket
Annual Tax Delta
-$305
State + local taxes
Annual 1BR Rent Delta
+$6,348
HUD Fair Market Rents
Net Annual Buffer
-$6,653/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

Ogden, UT

COL 121.2
Gross Annual Income $100,000
Federal Income Tax -$13,170
FICA (SS & Medicare) -$7,650
State Income Tax -$4,500
Local / City Tax $0
Net Annual Take-Home $74,680
HUD 1BR Fair Market Rent -$15,012
Discretionary Cash Flow $59,668
Target Market
Destination Location

Chicago-Naperville-Elgin, IL-IN

COL 125.8
Gross Parity Income $103,800
Federal Income Tax -$14,006
FICA (SS & Medicare) -$7,941
State Income Tax -$4,993
Local / City Tax $0
Net Annual Take-Home $76,860
HUD 1BR Fair Market Rent -$21,360
Discretionary Cash Flow $55,500

EPI family budgets put living costs 3.8% higher in Chicago-Naperville-Elgin, IL-IN than in Ogden, UT, so $100,000 in Ogden goes about as far as $103,800 in Chicago. HUD's one-bedroom Fair Market Rent is $1,251 a month in Ogden and $1,780 in Chicago, $6,348 a year more. On the same $100,000 salary a single filer pays $305 more a year in federal, state and local income tax and FICA in Chicago. Taxes and one-bedroom rent together leave you about $6,653 a year worse off. The BLS median wage across all occupations is $48,900 in Ogden and $54,720 in Chicago.

Itemized Cost of Living Expenditure Arbitrage

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

Expenditure Category Ogden (Monthly) Chicago-Naperville-Elgin (Monthly) Monthly Delta ($) Difference (%)
Housing (1BR Fair Market Rent)$1,251$1,780+$529+42.3%
Food & Groceries$351$385+$34+9.7%
Transportation$1,197$947-$250-20.9%
Healthcare$502$416-$86-17.1%
Other Necessities$469$572+$103+22.0%
Total Taxes (Federal, State, Local, FICA)$2,110$2,135+$25+1.2%

HUD Fair Market Rent Differential

1-Bedroom Fair Market Rent +$529/mo (42.3%)
Ogden: $1,251/mo Chicago-Naperville-Elgin: $1,780/mo
2-Bedroom Fair Market Rent +$420/mo (26.4%)
Ogden: $1,591/mo Chicago-Naperville-Elgin: $2,011/mo

EPI Living Wage Benchmark Comparison

1 Adult (No Children) +$1.01/hr (3.8%)
Ogden: $26.81/hr Chicago-Naperville-Elgin: $27.82/hr
2 Adults + 1 Child (per earner) +$0.95/hr (4.1%)
Ogden: $23.31/hr Chicago-Naperville-Elgin: $24.26/hr

Top Local Occupations Wage Parity

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

Occupation Title Industry Sector Ogden Median Chicago-Naperville-Elgin Median Nominal Wage Delta Action
General and Operations ManagersFinance & ManagementFinance & Management$93,610$109,390+$15,780 (+16.9%)View Dossier
Registered Nurse (RN)HealthcareHealthcare$81,840$100,490+$18,650 (+22.8%)View Dossier
Software EngineerTechnologyTechnology$109,880$134,380+$24,500 (+22.3%)View Dossier
Accountant & AuditorFinanceFinance$82,010$82,360+$350 (+0.4%)View Dossier
Financial ManagerFinanceFinance$135,300$168,810+$33,510 (+24.8%)View Dossier
Management AnalystBusiness OperationsBusiness Operations$91,560$105,090+$13,530 (+14.8%)View Dossier
Sales ManagersFinance & ManagementFinance & Management$131,320$158,690+$27,370 (+20.8%)View Dossier
Computer and Information Systems ManagersFinance & ManagementFinance & Management$162,710$173,760+$11,050 (+6.8%)View Dossier
Quality Control InspectorIndustrial ManufacturingIndustrial Manufacturing$52,800$48,230-$4,570 (-8.7%)View Dossier
Project Management SpecialistBusiness OperationsBusiness Operations$104,360$105,320+$960 (+0.9%)View Dossier
ElectricianSkilled TradesSkilled Trades$62,030$102,350+$40,320 (+65.0%)View Dossier
Marketing ManagersFinance & ManagementFinance & Management$124,810$165,340+$40,530 (+32.5%)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

Ogden, UT to Chicago-Naperville-Elgin, IL-IN Relocation FAQs

About $103,800. That scales $100,000 by the ratio of the metros' cost-of-living indexes (121.2 in Ogden, UT, 125.8 in Chicago-Naperville-Elgin, IL-IN, from EPI family budgets); taxes are compared separately below.

Triangular Relocation & Tax Silo

Ogden, UT to Chicago-Naperville-Elgin, IL-IN: State Paychecks, Rents & Reciprocal Corridor

Reverse Route: Chicago-Naperville-Elgin, IL-IN to Ogden, UT
Relocation: Ogden, UT to Chicago-Naperville-Elgin, IL-IN Overview

Ogden, UT to Chicago-Naperville-Elgin, IL-IN: 2026 federal, state and local income tax, HUD Fair Market Rents and EPI living costs compared on the same salary. Official 2026 economic data for Relocation: Ogden, UT to Chicago-Naperville-Elgin, IL-IN compiled from Bureau of Labor Statistics OEWS surveys, HUD Fair Market Rents, and statutory tax codes.

Quick answers
How much salary do I need in Chicago-Naperville-Elgin, IL-IN to match $100,000 in Ogden, UT?

About $103,800. That scales $100,000 by the ratio of the metros' cost-of-living indexes (121.2 in Ogden, UT, 125.8 in Chicago-Naperville-Elgin, IL-IN, from EPI family budgets); taxes are compared separately below.

Is Chicago-Naperville-Elgin, IL-IN cheaper than Ogden, UT?

EPI's family budgets for a single adult put overall living costs 3.8% higher in Chicago-Naperville-Elgin, IL-IN than in Ogden, UT. The budgets cover housing, food, transportation, health care and other necessities.