Yes, as mentioned above, unless you want to move for personal reasons in the near future, it would be best for your career (and wallet) to take your time and go back when the right opportunity comes along.
It would appear that you would "break even" at around 10% below what you make today. If possible, I'd try to negotiate a small raise which would be double the benefit (more money and lower COL). Presumably they need your skills otherwise they would just hire someone locally and not pay for relocation or coming from your higher salary range. Don't be greedy, but also don't let them take advantage.
If you are familiar with the job and would legitimately consider moving for it, you could state what you would be willing to accept rather than your current salary. It's honest, and lets them know that they need to be in the right range or just not waste both of your time. "I would be interested to consider a total comp package of 110k+, but would like to understand the breakdown of base, bonus, and benefits if we feel there is mutual interest in moving forward." This at least gives them an idea of the ballpark that you are playing in, but doesn't give away a ton of info either. They actually have no idea what you currently make, though a reasonable guess is probably a bit less.
For what it's worth, I work in finance and have no issue at all telling recruiters what I make. "I'm currently at a base of 90 with bonus and benefits totaling 105. I understand there may be differences in COL by location, but I'd be looking for 100-115 in total comp for XYZ position in that location depending on the details. If it makes sense for us to continue, I'd love to be considered."
To be clear, I've had some people not call back, though it could have been for other reasons like finding another candidate that was a better fit, but I also find it wastes less of my time. Early in my career, I went on a few too many interviews only to find that their ability/willingness to pay was significantly less than what I expected, and declined offers twice since they couldn't get up to what I needed to make a move. It wasted everyone's time. In this case, giving a moderate but reasonable range of what you want is just a good way to keep people informed. If they come back and don't offer enough, then ask for more. If they refuse, then politely decline. No harm done.