That's fair - if you want to stick with your current employer, then your options are somewhat limited. But you can still talk to them and explain your situation

That's fair - if you want to stick with your current employer, then your options are somewhat limited. But you can still talk to them and explain your situation and goals, and expressed that you would like either higher pay or a relocation to a less expensive city. You could put it in terms of "this would help me sleep better and thus be a more productive employee." You're probably also have in-demand skills - so if your current employer is not willing to work with you, you could conceivably get a similar or larger salary and relocate to a less expensive city at the same time with a new employer. I have a list of several hundred recruiters who have emailed me over the years, send me an email (in my profile) if you'd like a copy.