2026 Relocation & Cost Arbitrage Engine

Relocation: Raleigh-Cary, NC 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 Raleigh-Cary, NC to Chicago-Naperville-Elgin, IL-IN.

Popular Corridors:
Equivalent Salary
$92,300
To maintain parity
Cost of Living Delta
-7.7%
Overall expenditure basket
Annual Tax Delta
-$1,324
State + local taxes
Annual 1BR Rent Delta
+$2,736
HUD Fair Market Rents
Net Annual Buffer
-$4,060/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

Raleigh-Cary, NC

COL 136.2
Gross Annual Income $100,000
Federal Income Tax -$13,170
FICA (SS & Medicare) -$7,650
State Income Tax -$3,481
Local / City Tax $0
Net Annual Take-Home $75,699
HUD 1BR Fair Market Rent -$18,624
Discretionary Cash Flow $57,075
Target Market
Destination Location

Chicago-Naperville-Elgin, IL-IN

COL 125.8
Gross Parity Income $92,300
Federal Income Tax -$11,476
FICA (SS & Medicare) -$7,061
State Income Tax -$4,424
Local / City Tax $0
Net Annual Take-Home $69,339
HUD 1BR Fair Market Rent -$21,360
Discretionary Cash Flow $47,979

EPI family budgets put living costs 7.7% lower in Chicago-Naperville-Elgin, IL-IN than in Raleigh-Cary, NC, so $100,000 in Raleigh goes about as far as $92,300 in Chicago. HUD's one-bedroom Fair Market Rent is $1,552 a month in Raleigh and $1,780 in Chicago, $2,736 a year more. On the same $100,000 salary a single filer pays $1,324 more a year in federal, state and local income tax and FICA in Chicago. Taxes and one-bedroom rent together leave you about $4,060 a year worse off. The BLS median wage across all occupations is $51,990 in Raleigh 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 Raleigh-Cary (Monthly) Chicago-Naperville-Elgin (Monthly) Monthly Delta ($) Difference (%)
Housing (1BR Fair Market Rent)$1,552$1,780+$228+14.7%
Food & Groceries$382$385+$3+0.8%
Transportation$1,109$947-$162-14.6%
Healthcare$451$416-$35-7.8%
Other Necessities$595$572-$23-3.9%
Total Taxes (Federal, State, Local, FICA)$2,025$2,135+$110+5.4%

HUD Fair Market Rent Differential

1-Bedroom Fair Market Rent +$228/mo (14.7%)
Raleigh-Cary: $1,552/mo Chicago-Naperville-Elgin: $1,780/mo
2-Bedroom Fair Market Rent +$322/mo (19.1%)
Raleigh-Cary: $1,689/mo Chicago-Naperville-Elgin: $2,011/mo

EPI Living Wage Benchmark Comparison

1 Adult (No Children) -$2.31/hr (-7.7%)
Raleigh-Cary: $30.13/hr Chicago-Naperville-Elgin: $27.82/hr
2 Adults + 1 Child (per earner) -$0.16/hr (-0.7%)
Raleigh-Cary: $24.42/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 Raleigh-Cary Median Chicago-Naperville-Elgin Median Nominal Wage Delta Action
General and Operations ManagersFinance & ManagementFinance & Management$114,940$109,390-$5,550 (-4.8%)View Dossier
Registered Nurse (RN)HealthcareHealthcare$84,830$100,490+$15,660 (+18.5%)View Dossier
Software EngineerTechnologyTechnology$132,770$134,380+$1,610 (+1.2%)View Dossier
Accountant & AuditorFinanceFinance$81,950$82,360+$410 (+0.5%)View Dossier
Financial ManagerFinanceFinance$163,130$168,810+$5,680 (+3.5%)View Dossier
Management AnalystBusiness OperationsBusiness Operations$96,820$105,090+$8,270 (+8.5%)View Dossier
Computer and Information Systems ManagersFinance & ManagementFinance & Management$173,960$173,760-$200 (-0.1%)View Dossier
Project Management SpecialistBusiness OperationsBusiness Operations$102,280$105,320+$3,040 (+3.0%)View Dossier
Sales ManagersFinance & ManagementFinance & Management$163,520$158,690-$4,830 (-3.0%)View Dossier
Quality Control InspectorIndustrial ManufacturingIndustrial Manufacturing$49,460$48,230-$1,230 (-2.5%)View Dossier
ElectricianSkilled TradesSkilled Trades$56,800$102,350+$45,550 (+80.2%)View Dossier
Marketing ManagersFinance & ManagementFinance & Management$167,640$165,340-$2,300 (-1.4%)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

Raleigh-Cary, NC to Chicago-Naperville-Elgin, IL-IN Relocation FAQs

About $92,300. That scales $100,000 by the ratio of the metros' cost-of-living indexes (136.2 in Raleigh-Cary, NC, 125.8 in Chicago-Naperville-Elgin, IL-IN, from EPI family budgets); taxes are compared separately below.

Triangular Relocation & Tax Silo

Raleigh-Cary, NC to Chicago-Naperville-Elgin, IL-IN: State Paychecks, Rents & Reciprocal Corridor

Reverse Route: Chicago-Naperville-Elgin, IL-IN to Raleigh-Cary, NC
Relocation: Raleigh-Cary, NC to Chicago-Naperville-Elgin, IL-IN Overview

Raleigh-Cary, NC to Chicago-Naperville-Elgin, IL-IN: 2026 federal, state & local income tax, HUD Fair Market Rents & EPI living costs compared on the same. Official 2026 economic data for Relocation: Raleigh-Cary, NC 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 Raleigh-Cary, NC?

About $92,300. That scales $100,000 by the ratio of the metros' cost-of-living indexes (136.2 in Raleigh-Cary, NC, 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 Raleigh-Cary, NC?

EPI's family budgets for a single adult put overall living costs 7.7% lower in Chicago-Naperville-Elgin, IL-IN than in Raleigh-Cary, NC. The budgets cover housing, food, transportation, health care and other necessities.