A $100,000 salary in one metro can feel very different in another. Housing alone swings enormously across the US.
The factors that matter
Housing is typically the largest difference. Also compare state and local income taxes, sales and property taxes, transportation, childcare, healthcare and utilities. Some states have no income tax but higher property or sales taxes.
Using a cost-of-living index
An index of 100 equals the national average, so a city at 150 costs about 50% more. Multiply your current salary by the ratio of the new and old index to estimate the matching salary. Treat the result as a rough guide.
Beyond the numbers
Consider commute time, climate, career opportunity, family and community. Visit before moving and price a typical week of your life, not just rent.
Try the numbers
Use our Cost of Living Calculator to see this in practice. With its default example (Current salary: $85,000; Current city: Atlanta, GA; New city: Boston, MA), it shows salary needed in new city: $120,962. Adjust the inputs to match your situation.
Key takeaways
- Housing drives most cost-of-living differences.
- Compare taxes as well as prices.
- Indexes are guides, not guarantees.
This article is for general education and is not personalized financial, tax or legal advice. Rules and limits change; confirm current figures with official sources such as IRS.gov, SSA.gov and StudentAid.gov, or consult a qualified professional. © 2026 FinanzCalc.