City comparison
Atlantic City, NJ vs Utica, NY
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Prices in Atlantic City, NJ are 6.7% higher than in Utica, NY. Someone earning $100,000 in Utica, NY would need about $106,700 in Atlantic City, NJ to live the same way.
- Rent is the bigger story: a typical 1-bedroom costs $1,537 a month in Atlantic City, NJ versus $926 in Utica, NY. On $100,000, that's 25% of take-home pay in Atlantic City, NJ and 15% in Utica, NY.
- On $100,000, estimated state income tax is about $680 a year higher in Utica, NY than in Atlantic City, NJ.
- For federal employees, locality pay changes a GS-13 step 1 salary by −9.2% moving from Atlantic City, NJ to Utica, NY ($117,284 → $106,437), while prices change by −6.3%. Net effect of the transfer: −3.2% in real buying power.
- Atlantic City, NJ: price level 98.9 (about average)
- Utica, NY: price level 92.7 (cheaper)
Map drawn from Census Bureau state boundaries and metro locations9,10; dot colours show BEA price levels2.
Side by side
| Atlantic City, NJ | Utica, NY | |
|---|---|---|
| Price level (U.S. = 100)2 | 98.9 | 92.7 |
| $100,000 is worth, in the other city2 | $93,750 in Utica | $106,667 in Atlantic City |
| Typical 1-bedroom rent3 | $1,537/mo | $926/mo |
| Take-home on $100,00014,15,8 | $75,000 | $74,320 |
| State income tax on $100,000 (estimate)8 | $4,180 (NJ) | $4,860 (NY) |
| Rent burden on $100,000 | 25% | 15% |
| Median pay, all jobs4 | $47,520 | $48,970 |
| Federal locality pay area7 | Philadelphia-Reading-Camden, PA-NJ-DE-MD | Rest of U.S. |
Rent areas: Atlantic City-Hammonton, NJ HUD Metro FMR Area and Utica-Rome, NY MSA. Metro areas: Atlantic City-Hammonton, NJ and Utica-Rome, NY.
What costs more or less
| Price level (U.S. = 100) | Atlantic City | Utica |
|---|---|---|
| Housing (rent) | 98.7 | 66.1 |
| Goods | 99.8 | 99.7 |
| Utilities | 109.2 | 131.9 |
| Other services | 97.9 | 97.8 |
| Overall | 98.9 | 92.7 |
Moving with the same $100,000 salary
Atlantic City, NJ → Utica, NY
Same pay goes further
Buying power +6.7%; rent takes 15% of take-home; state tax +$680/yr.
90 Strong offer
Utica, NY → Atlantic City, NJ
Same pay buys less
Buying power −6.3%; rent takes 25% of take-home; state tax −$680/yr.
49 Fair offer
On the GS pay scale?
Atlantic City, NJ is in the Philadelphia-Reading-Camden, PA-NJ-DE-MD pay area; Utica, NY is in Rest of U.S.. The last column shows what a transfer from Atlantic City, NJ to Utica, NY at the same grade and step does to real buying power.
| Grade5,2 | Atlantic City, NJ | Utica, NY | Real change, Atlantic City → Utica |
|---|---|---|---|
| GS-9 step 1 | $68,013 | $61,722 | −3.2% |
| GS-11 step 1 | $82,289 | $74,678 | −3.2% |
| GS-12 step 1 | $98,630 | $89,508 | −3.2% |
| GS-13 step 1 | $117,284 | $106,437 | −3.2% |
| GS-14 step 1 | $138,595 | $125,776 | −3.2% |
Pay for common jobs
| Median annual pay4 | Atlantic City, NJ | Utica, NY | Utica pay in Atlantic City dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $80,480 | $77,010 | $82,144 (+2.1%) |
| Software Developers | $126,670 | $113,390 | $120,950 (−4.5%) |
| Accountants and Auditors | $83,040 | $79,830 | $85,152 (+2.5%) |
| Registered Nurses | $99,320 | $94,300 | $100,587 (+1.3%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.