City comparison
Buffalo, NY vs Ocala, FL
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Overall prices in Buffalo, NY (95.8) and Ocala, FL (95.2, U.S. average = 100) are within 1% of each other, so $100,000 in Buffalo, NY goes as far as $99,400 in Ocala, FL.
- Typical 1-bedroom rents are close: $1,139 a month in Buffalo, NY and $1,172 in Ocala, FL.
- On $100,000, estimated state income tax is about $4,860 a year higher in Buffalo, NY than in Ocala, FL.
- For federal employees, locality pay changes a GS-13 step 1 salary by −4.4% moving from Buffalo, NY to Ocala, FL ($111,301 → $106,437), while prices change by −0.6%. Net effect of the transfer: −3.8% in real buying power.
- Buffalo, NY: price level 95.8 (cheaper)
- Ocala, FL: price level 95.2 (cheaper)
Map drawn from Census Bureau state boundaries and metro locations9,10; dot colours show BEA price levels2.
Side by side
| Buffalo, NY | Ocala, FL | |
|---|---|---|
| Price level (U.S. = 100)2 | 95.8 | 95.2 |
| $100,000 is worth, in the other city2 | $99,364 in Ocala | $100,641 in Buffalo |
| Typical 1-bedroom rent3 | $1,139/mo | $1,172/mo |
| Take-home on $100,00014,15,8 | $74,320 | $79,180 |
| State income tax on $100,000 (estimate)8 | $4,860 (NY) | $0 (FL) |
| Rent burden on $100,000 | 18% | 18% |
| Median pay, all jobs4 | $50,790 | $43,990 |
| Federal locality pay area7 | Buffalo-Cheektowaga-Olean, NY | Rest of U.S. |
Rent areas: Buffalo-Cheektowaga, NY MSA and Ocala, FL MSA. Metro areas: Buffalo-Cheektowaga, NY and Ocala, FL.
What costs more or less
| Price level (U.S. = 100) | Buffalo | Ocala |
|---|---|---|
| Housing (rent) | 81.0 | 86.2 |
| Goods | 99.7 | 96.2 |
| Utilities | 129.5 | 87.1 |
| Other services | 97.8 | 98.9 |
| Overall | 95.8 | 95.2 |
Moving with the same $100,000 salary
Buffalo, NY → Ocala, FL
Roughly even
Buying power +0.6%; rent takes 18% of take-home; state tax −$4,860/yr.
71 Strong offer
Ocala, FL → Buffalo, NY
Roughly even
Buying power −0.6%; rent takes 18% of take-home; state tax +$4,860/yr.
67 Fair offer
On the GS pay scale?
Buffalo, NY is in the Buffalo-Cheektowaga-Olean, NY pay area; Ocala, FL is in Rest of U.S.. The last column shows what a transfer from Buffalo, NY to Ocala, FL at the same grade and step does to real buying power.
| Grade5,2 | Buffalo, NY | Ocala, FL | Real change, Buffalo → Ocala |
|---|---|---|---|
| GS-9 step 1 | $64,543 | $61,722 | −3.8% |
| GS-11 step 1 | $78,091 | $74,678 | −3.8% |
| GS-12 step 1 | $93,598 | $89,508 | −3.8% |
| GS-13 step 1 | $111,301 | $106,437 | −3.8% |
| GS-14 step 1 | $131,525 | $125,776 | −3.8% |
Pay for common jobs
| Median annual pay4 | Buffalo, NY | Ocala, FL | Ocala pay in Buffalo dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $76,490 | $57,540 | $57,909 (−24.3%) |
| Software Developers | $127,850 | $112,780 | $113,502 (−11.2%) |
| Accountants and Auditors | $82,120 | $74,370 | $74,846 (−8.9%) |
| Registered Nurses | $99,060 | $79,230 | $79,737 (−19.5%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.