2026 Relocation & Cost Arbitrage Engine

Relocation: Philadelphia, PA-NJ-DE-MD 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 Philadelphia-Camden-Wilmington, PA-NJ-DE-MD to Peoria, IL.

Popular Corridors:
Equivalent Salary
$83,100
To maintain parity
Cost of Living Delta
-16.9%
Overall expenditure basket
Annual Tax Delta
+$2,000
State + local taxes
Annual 1BR Rent Delta
-$7,164
HUD Fair Market Rents
Net Annual Buffer
+$9,164/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

Philadelphia-Camden-Wilmington, PA-NJ-DE-MD

COL 119.9
Gross Annual Income $100,000
Federal Income Tax -$13,170
FICA (SS & Medicare) -$7,650
State Income Tax -$3,070
Local / City Tax -$3,735
Net Annual Take-Home $72,375
HUD 1BR Fair Market Rent -$18,696
Discretionary Cash Flow $53,679
Target Market
Destination Location

Peoria, IL

COL 99.6
Gross Parity Income $83,100
Federal Income Tax -$9,452
FICA (SS & Medicare) -$6,357
State Income Tax -$3,969
Local / City Tax $0
Net Annual Take-Home $63,322
HUD 1BR Fair Market Rent -$11,532
Discretionary Cash Flow $51,790

EPI family budgets put living costs 16.9% lower in Peoria, IL than in Philadelphia-Camden-Wilmington, PA-NJ-DE-MD, so $100,000 in Philadelphia goes about as far as $83,100 in Peoria. HUD's one-bedroom Fair Market Rent is $1,558 a month in Philadelphia and $961 in Peoria, $7,164 a year less. On the same $100,000 salary a single filer pays $2,000 less a year in federal, state and local income tax and FICA in Peoria. Taxes and one-bedroom rent together leave you about $9,164 a year better off. The BLS median wage across all occupations is $54,310 in Philadelphia 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 Philadelphia-Camden-Wilmington (Monthly) Peoria (Monthly) Monthly Delta ($) Difference (%)
Housing (1BR Fair Market Rent)$1,558$961-$597-38.3%
Food & Groceries$388$353-$35-9.0%
Transportation$1,028$1,052+$24+2.3%
Healthcare$374$590+$216+57.8%
Other Necessities$546$332-$214-39.2%
Total Taxes (Federal, State, Local, FICA)$2,302$2,135-$167-7.3%

HUD Fair Market Rent Differential

1-Bedroom Fair Market Rent -$597/mo (-38.3%)
Philadelphia-Camden-Wilmington: $1,558/mo Peoria: $961/mo
2-Bedroom Fair Market Rent -$648/mo (-34.8%)
Philadelphia-Camden-Wilmington: $1,860/mo Peoria: $1,212/mo

EPI Living Wage Benchmark Comparison

1 Adult (No Children) -$4.49/hr (-16.9%)
Philadelphia-Camden-Wilmington: $26.51/hr Peoria: $22.02/hr
2 Adults + 1 Child (per earner) -$2.34/hr (-9.6%)
Philadelphia-Camden-Wilmington: $24.25/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 Philadelphia-Camden-Wilmington Median Peoria Median Nominal Wage Delta Action
Registered Nurse (RN)HealthcareHealthcare$101,180$81,010-$20,170 (-19.9%)View Dossier
General and Operations ManagersFinance & ManagementFinance & Management$121,630$98,290-$23,340 (-19.2%)View Dossier
Accountant & AuditorFinanceFinance$85,990$79,540-$6,450 (-7.5%)View Dossier
Software EngineerTechnologyTechnology$133,040$130,590-$2,450 (-1.8%)View Dossier
Financial ManagerFinanceFinance$166,920$155,840-$11,080 (-6.6%)View Dossier
Project Management SpecialistBusiness OperationsBusiness Operations$104,160$123,730+$19,570 (+18.8%)View Dossier
Management AnalystBusiness OperationsBusiness Operations$100,920$96,530-$4,390 (-4.3%)View Dossier
Computer and Information Systems ManagersFinance & ManagementFinance & Management$173,470$173,870+$400 (+0.2%)View Dossier
Medical and Health Services ManagersFinance & ManagementFinance & Management$122,920$110,510-$12,410 (-10.1%)View Dossier
ElectricianSkilled TradesSkilled Trades$74,590$80,460+$5,870 (+7.9%)View Dossier
Sales ManagersFinance & ManagementFinance & Management$156,500$131,660-$24,840 (-15.9%)View Dossier
Financial AnalystFinanceFinance$95,400$83,500-$11,900 (-12.5%)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

Philadelphia-Camden-Wilmington, PA-NJ-DE-MD to Peoria, IL Relocation FAQs

About $83,100. That scales $100,000 by the ratio of the metros' cost-of-living indexes (119.9 in Philadelphia-Camden-Wilmington, PA-NJ-DE-MD, 99.6 in Peoria, IL, from EPI family budgets); taxes are compared separately below.

Triangular Relocation & Tax Silo

Philadelphia-Camden-Wilmington, PA-NJ-DE-MD to Peoria, IL: State Paychecks, Rents & Reciprocal Corridor

Reverse Route: Peoria, IL to Philadelphia-Camden-Wilmington, PA-NJ-DE-MD
Relocation: Philadelphia, PA-NJ-DE-MD to Peoria, IL Overview

Philadelphia-Camden-Wilmington, PA-NJ-DE-MD to Peoria, IL: 2026 federal, state & local income tax, HUD Fair Market Rents & EPI living costs compared on. Official 2026 economic data for Relocation: Philadelphia, PA-NJ-DE-MD to Peoria, IL 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 Peoria, IL to match $100,000 in Philadelphia-Camden-Wilmington, PA-NJ-DE-MD?

About $83,100. That scales $100,000 by the ratio of the metros' cost-of-living indexes (119.9 in Philadelphia-Camden-Wilmington, PA-NJ-DE-MD, 99.6 in Peoria, IL, from EPI family budgets); taxes are compared separately below.

Is Peoria, IL cheaper than Philadelphia-Camden-Wilmington, PA-NJ-DE-MD?

EPI's family budgets for a single adult put overall living costs 16.9% lower in Peoria, IL than in Philadelphia-Camden-Wilmington, PA-NJ-DE-MD. The budgets cover housing, food, transportation, health care and other necessities.