City comparison
Baltimore, MD vs Naples, FL
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Prices in Baltimore, MD are 1.2% higher than in Naples, FL. Someone earning $100,000 in Naples, FL would need about $101,200 in Baltimore, MD to live the same way.
- Rent is the bigger story: a typical 1-bedroom costs $1,797 a month in Naples, FL versus $1,511 in Baltimore, MD. On $100,000, that's 27% of take-home pay in Naples, FL and 24% in Baltimore, MD.
- On $100,000, estimated state income tax is about $4,386 a year higher in Baltimore, MD than in Naples, FL.
- For federal employees, locality pay changes a GS-13 step 1 salary by −12.6% moving from Baltimore, MD to Naples, FL ($121,785 → $106,437), while prices change by −1.2%. Net effect of the transfer: −11.5% in real buying power.
- Baltimore, MD: price level 104.5 (pricier)
- Naples, FL: price level 103.2 (pricier)
Map drawn from Census Bureau state boundaries and metro locations9,10; dot colours show BEA price levels2.
Side by side
| Baltimore, MD | Naples, FL | |
|---|---|---|
| Price level (U.S. = 100)2 | 104.5 | 103.2 |
| $100,000 is worth, in the other city2 | $98,768 in Naples | $101,247 in Baltimore |
| Typical 1-bedroom rent3 | $1,511/mo | $1,797/mo |
| Take-home on $100,00014,15,8 | $74,794 | $79,180 |
| State income tax on $100,000 (estimate)8 | $4,386 (MD) | $0 (FL) |
| Rent burden on $100,000 | 24% | 27% |
| Median pay, all jobs4 | $59,070 | $47,800 |
| Federal locality pay area7 | Washington-Baltimore-Arlington, DC-MD-VA-WV-PA | Rest of U.S. |
Rent areas: Baltimore-Columbia-Towson, MD MSA and Naples-Marco Island, FL MSA. Metro areas: Baltimore-Columbia-Towson, MD and Naples-Marco Island, FL.
What costs more or less
| Price level (U.S. = 100) | Baltimore | Naples |
|---|---|---|
| Housing (rent) | 118.2 | 129.4 |
| Goods | 102.4 | 96.2 |
| Utilities | 110.2 | 87.8 |
| Other services | 101.5 | 98.9 |
| Overall | 104.5 | 103.2 |
Moving with the same $100,000 salary
Baltimore, MD → Naples, FL
Roughly even
Buying power +1.2%; rent takes 27% of take-home; state tax −$4,386/yr.
69 Fair offer
Naples, FL → Baltimore, MD
Roughly even
Buying power −1.2%; rent takes 24% of take-home; state tax +$4,386/yr.
65 Fair offer
On the GS pay scale?
Baltimore, MD is in the Washington-Baltimore-Arlington, DC-MD-VA-WV-PA pay area; Naples, FL is in Rest of U.S.. The last column shows what a transfer from Baltimore, MD to Naples, FL at the same grade and step does to real buying power.
| Grade5,2 | Baltimore, MD | Naples, FL | Real change, Baltimore → Naples |
|---|---|---|---|
| GS-9 step 1 | $70,623 | $61,722 | −11.5% |
| GS-11 step 1 | $85,447 | $74,678 | −11.5% |
| GS-12 step 1 | $102,415 | $89,508 | −11.5% |
| GS-13 step 1 | $121,785 | $106,437 | −11.5% |
| GS-14 step 1 | $143,913 | $125,776 | −11.5% |
Pay for common jobs
| Median annual pay4 | Baltimore, MD | Naples, FL | Naples pay in Baltimore dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $76,400 | $60,470 | $61,224 (−19.9%) |
| Software Developers | $138,900 | $130,730 | $132,360 (−4.7%) |
| Accountants and Auditors | $85,160 | $84,570 | $85,625 (+0.5%) |
| Registered Nurses | $99,550 | $93,330 | $94,494 (−5.1%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.