2026 Relocation & Cost Arbitrage Engine

Relocation: Peoria, IL to Louisville/Jefferson County, KY-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 Peoria, IL to Louisville/Jefferson County, KY-IN.

Popular Corridors:
Equivalent Salary
$106,400
To maintain parity
Cost of Living Delta
+6.4%
Overall expenditure basket
Annual Tax Delta
-$777
State + local taxes
Annual 1BR Rent Delta
+$1,164
HUD Fair Market Rents
Net Annual Buffer
-$1,941/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

Peoria, IL

COL 99.6
Gross Annual Income $100,000
Federal Income Tax -$13,170
FICA (SS & Medicare) -$7,650
State Income Tax -$4,805
Local / City Tax $0
Net Annual Take-Home $74,375
HUD 1BR Fair Market Rent -$11,532
Discretionary Cash Flow $62,843
Target Market
Destination Location

Louisville/Jefferson County, KY-IN

COL 105.9
Gross Parity Income $106,400
Federal Income Tax -$14,578
FICA (SS & Medicare) -$8,140
State Income Tax -$3,606
Local / City Tax -$2,341
Net Annual Take-Home $77,735
HUD 1BR Fair Market Rent -$12,696
Discretionary Cash Flow $65,039

EPI family budgets put living costs 6.4% higher in Louisville/Jefferson County, KY-IN than in Peoria, IL, so $100,000 in Peoria goes about as far as $106,400 in Louisville. HUD's one-bedroom Fair Market Rent is $961 a month in Peoria and $1,058 in Louisville, $1,164 a year more. On the same $100,000 salary a single filer pays $777 more a year in federal, state and local income tax and FICA in Louisville. Taxes and one-bedroom rent together leave you about $1,941 a year worse off. The BLS median wage across all occupations is $49,590 in Peoria and $48,370 in Louisville.

Itemized Cost of Living Expenditure Arbitrage

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

Expenditure Category Peoria (Monthly) Louisville/Jefferson County (Monthly) Monthly Delta ($) Difference (%)
Housing (1BR Fair Market Rent)$961$1,058+$97+10.1%
Food & Groceries$353$346-$7-2.0%
Transportation$1,052$1,037-$15-1.4%
Healthcare$590$424-$166-28.1%
Other Necessities$332$419+$87+26.2%
Total Taxes (Federal, State, Local, FICA)$2,135$2,200+$65+3.0%

HUD Fair Market Rent Differential

1-Bedroom Fair Market Rent +$97/mo (10.1%)
Peoria: $961/mo Louisville/Jefferson County: $1,058/mo
2-Bedroom Fair Market Rent +$64/mo (5.3%)
Peoria: $1,212/mo Louisville/Jefferson County: $1,276/mo

EPI Living Wage Benchmark Comparison

1 Adult (No Children) +$1.41/hr (6.4%)
Peoria: $22.02/hr Louisville/Jefferson County: $23.43/hr
2 Adults + 1 Child (per earner) -$0.42/hr (-1.9%)
Peoria: $21.91/hr Louisville/Jefferson County: $21.49/hr

Top Local Occupations Wage Parity

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

Occupation Title Industry Sector Peoria Median Louisville/Jefferson County Median Nominal Wage Delta Action
Registered Nurse (RN)HealthcareHealthcare$81,010$84,850+$3,840 (+4.7%)View Dossier
General and Operations ManagersFinance & ManagementFinance & Management$98,290$89,140-$9,150 (-9.3%)View Dossier
Accountant & AuditorFinanceFinance$79,540$76,320-$3,220 (-4.0%)View Dossier
ElectricianSkilled TradesSkilled Trades$80,460$62,440-$18,020 (-22.4%)View Dossier
Quality Control InspectorIndustrial ManufacturingIndustrial Manufacturing$56,770$48,000-$8,770 (-15.4%)View Dossier
Software EngineerTechnologyTechnology$130,590$110,270-$20,320 (-15.6%)View Dossier
Project Management SpecialistBusiness OperationsBusiness Operations$123,730$82,660-$41,070 (-33.2%)View Dossier
Industrial Machinery MechanicIndustrial ManufacturingIndustrial Manufacturing$74,780$62,590-$12,190 (-16.3%)View Dossier
Financial ManagerFinanceFinance$155,840$136,970-$18,870 (-12.1%)View Dossier
Medical and Health Services ManagersFinance & ManagementFinance & Management$110,510$112,070+$1,560 (+1.4%)View Dossier
Plumber & PipefitterSkilled TradesSkilled Trades$85,090$74,680-$10,410 (-12.2%)View Dossier
Sales ManagersFinance & ManagementFinance & Management$131,660$137,880+$6,220 (+4.7%)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

Peoria, IL to Louisville/Jefferson County, KY-IN Relocation FAQs

About $106,400. That scales $100,000 by the ratio of the metros' cost-of-living indexes (99.6 in Peoria, IL, 105.9 in Louisville/Jefferson County, KY-IN, from EPI family budgets); taxes are compared separately below.

Triangular Relocation & Tax Silo

Peoria, IL to Louisville/Jefferson County, KY-IN: State Paychecks, Rents & Reciprocal Corridor

Reverse Route: Louisville/Jefferson County, KY-IN to Peoria, IL
Relocation: Peoria, IL to Louisville/Jefferson County, KY-IN Overview

Peoria, IL to Louisville/Jefferson County, KY-IN: 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 Louisville/Jefferson County, KY-IN to match $100,000 in Peoria, IL?

About $106,400. That scales $100,000 by the ratio of the metros' cost-of-living indexes (99.6 in Peoria, IL, 105.9 in Louisville/Jefferson County, KY-IN, from EPI family budgets); taxes are compared separately below.

Is Louisville/Jefferson County, KY-IN cheaper than Peoria, IL?

EPI's family budgets for a single adult put overall living costs 6.4% higher in Louisville/Jefferson County, KY-IN than in Peoria, IL. The budgets cover housing, food, transportation, health care and other necessities.