2026 Relocation & Cost Arbitrage Engine

Relocation: Utica-Rome, NY to New York-Newark-Jersey City, NY-NJ

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 Utica-Rome, NY to New York-Newark-Jersey City, NY-NJ.

Popular Corridors:
Equivalent Salary
$166,300
To maintain parity
Cost of Living Delta
+66.3%
Overall expenditure basket
Annual Tax Delta
-$3,441
State + local taxes
Annual 1BR Rent Delta
+$21,396
HUD Fair Market Rents
Net Annual Buffer
-$24,837/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

Utica-Rome, NY

COL 108.8
Gross Annual Income $100,000
Federal Income Tax -$13,170
FICA (SS & Medicare) -$7,650
State Income Tax -$4,860
Local / City Tax $0
Net Annual Take-Home $74,320
HUD 1BR Fair Market Rent -$11,352
Discretionary Cash Flow $62,968
Target Market
Destination Location

New York-Newark-Jersey City, NY-NJ

COL 181.0
Gross Parity Income $166,300
Federal Income Tax -$28,646
FICA (SS & Medicare) -$12,722
State Income Tax -$9,340
Local / City Tax -$6,011
Net Annual Take-Home $109,581
HUD 1BR Fair Market Rent -$32,748
Discretionary Cash Flow $76,833

EPI family budgets put living costs 66.3% higher in New York-Newark-Jersey City, NY-NJ than in Utica-Rome, NY, so $100,000 in Utica goes about as far as $166,300 in New York. HUD's one-bedroom Fair Market Rent is $946 a month in Utica and $2,729 in New York, $21,396 a year more. On the same $100,000 salary a single filer pays $3,441 more a year in federal, state and local income tax and FICA in New York. Taxes and one-bedroom rent together leave you about $24,837 a year worse off. The BLS median wage across all occupations is $48,970 in Utica and $61,430 in New York.

Itemized Cost of Living Expenditure Arbitrage

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

Expenditure Category Utica-Rome (Monthly) New York-Newark-Jersey City (Monthly) Monthly Delta ($) Difference (%)
Housing (1BR Fair Market Rent)$946$2,729+$1,783+188.5%
Food & Groceries$350$426+$76+21.7%
Transportation$1,048$693-$355-33.9%
Healthcare$611$748+$137+22.4%
Other Necessities$395$879+$484+122.5%
Total Taxes (Federal, State, Local, FICA)$2,140$2,427+$287+13.4%

HUD Fair Market Rent Differential

1-Bedroom Fair Market Rent +$1,783/mo (188.5%)
Utica-Rome: $946/mo New York-Newark-Jersey City: $2,729/mo
2-Bedroom Fair Market Rent +$1,761/mo (145.5%)
Utica-Rome: $1,210/mo New York-Newark-Jersey City: $2,971/mo

EPI Living Wage Benchmark Comparison

1 Adult (No Children) +$15.96/hr (66.3%)
Utica-Rome: $24.07/hr New York-Newark-Jersey City: $40.03/hr
2 Adults + 1 Child (per earner) +$10.95/hr (47.1%)
Utica-Rome: $23.24/hr New York-Newark-Jersey City: $34.19/hr

Top Local Occupations Wage Parity

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

Occupation Title Industry Sector Utica-Rome Median New York-Newark-Jersey City Median Nominal Wage Delta Action
Registered Nurse (RN)HealthcareHealthcare$94,300$119,720+$25,420 (+27.0%)View Dossier
General and Operations ManagersFinance & ManagementFinance & Management$98,350$157,000+$58,650 (+59.6%)View Dossier
Software EngineerTechnologyTechnology$113,390$166,830+$53,440 (+47.1%)View Dossier
Accountant & AuditorFinanceFinance$79,830$105,650+$25,820 (+32.3%)View Dossier
Financial ManagerFinanceFinance$144,760$221,010+$76,250 (+52.7%)View Dossier
Project Management SpecialistBusiness OperationsBusiness Operations$100,430$126,660+$26,230 (+26.1%)View Dossier
Management AnalystBusiness OperationsBusiness Operations$86,870$124,390+$37,520 (+43.2%)View Dossier
Computer and Information Systems ManagersFinance & ManagementFinance & Management$160,000$215,300+$55,300 (+34.6%)View Dossier
Marketing ManagersFinance & ManagementFinance & Management$143,660$192,840+$49,180 (+34.2%)View Dossier
Financial AnalystFinanceFinance$92,360$128,930+$36,570 (+39.6%)View Dossier
Sales ManagersFinance & ManagementFinance & Management$159,610$215,150+$55,540 (+34.8%)View Dossier
ElectricianSkilled TradesSkilled Trades$61,660$79,020+$17,360 (+28.2%)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

Utica-Rome, NY to New York-Newark-Jersey City, NY-NJ Relocation FAQs

About $166,300. That scales $100,000 by the ratio of the metros' cost-of-living indexes (108.8 in Utica-Rome, NY, 181.0 in New York-Newark-Jersey City, NY-NJ, from EPI family budgets); taxes are compared separately below.

Triangular Relocation & Tax Silo

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

Reverse Route: New York-Newark-Jersey City, NY-NJ to Utica-Rome, NY
Relocation: Utica-Rome, NY to New York-Newark-Jersey City, NY-NJ Overview

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

About $166,300. That scales $100,000 by the ratio of the metros' cost-of-living indexes (108.8 in Utica-Rome, NY, 181.0 in New York-Newark-Jersey City, NY-NJ, from EPI family budgets); taxes are compared separately below.

Is New York-Newark-Jersey City, NY-NJ cheaper than Utica-Rome, NY?

EPI's family budgets for a single adult put overall living costs 66.3% higher in New York-Newark-Jersey City, NY-NJ than in Utica-Rome, NY. The budgets cover housing, food, transportation, health care and other necessities.