City comparison
Buffalo, NY vs Pensacola, FL
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Prices in Pensacola, FL are 2.0% higher than in Buffalo, NY. Someone earning $100,000 in Buffalo, NY would need about $102,000 in Pensacola, FL to live the same way.
- Rent is the bigger story: a typical 1-bedroom costs $1,257 a month in Pensacola, FL versus $1,139 in Buffalo, NY. On $100,000, that's 19% of take-home pay in Pensacola, FL and 18% in Buffalo, NY.
- On $100,000, estimated state income tax is about $4,860 a year higher in Buffalo, NY than in Pensacola, FL.
- For federal employees, locality pay changes a GS-13 step 1 salary by −4.4% moving from Buffalo, NY to Pensacola, FL ($111,301 → $106,437), while prices change by +2.0%. Net effect of the transfer: −6.2% in real buying power.
- Buffalo, NY: price level 95.8 (cheaper)
- Pensacola, FL: price level 97.7 (cheaper)
Map drawn from Census Bureau state boundaries and metro locations9,10; dot colours show BEA price levels2.
Side by side
| Buffalo, NY | Pensacola, FL | |
|---|---|---|
| Price level (U.S. = 100)2 | 95.8 | 97.7 |
| $100,000 is worth, in the other city2 | $101,954 in Pensacola | $98,083 in Buffalo |
| Typical 1-bedroom rent3 | $1,139/mo | $1,257/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% | 19% |
| Median pay, all jobs4 | $50,790 | $46,240 |
| Federal locality pay area7 | Buffalo-Cheektowaga-Olean, NY | Rest of U.S. |
Rent areas: Buffalo-Cheektowaga, NY MSA and Pensacola-Ferry Pass-Brent, FL MSA. Metro areas: Buffalo-Cheektowaga, NY and Pensacola-Ferry Pass-Brent, FL.
What costs more or less
| Price level (U.S. = 100) | Buffalo | Pensacola |
|---|---|---|
| Housing (rent) | 81.0 | 98.8 |
| Goods | 99.7 | 96.2 |
| Utilities | 129.5 | 88.5 |
| Other services | 97.8 | 98.9 |
| Overall | 95.8 | 97.7 |
Moving with the same $100,000 salary
Buffalo, NY → Pensacola, FL
Roughly even
Buying power −1.9%; rent takes 19% of take-home; state tax −$4,860/yr.
63 Fair offer
Pensacola, FL → Buffalo, NY
Roughly even
Buying power +2.0%; rent takes 18% of take-home; state tax +$4,860/yr.
75 Strong offer
On the GS pay scale?
Buffalo, NY is in the Buffalo-Cheektowaga-Olean, NY pay area; Pensacola, FL is in Rest of U.S.. The last column shows what a transfer from Buffalo, NY to Pensacola, FL at the same grade and step does to real buying power.
| Grade5,2 | Buffalo, NY | Pensacola, FL | Real change, Buffalo → Pensacola |
|---|---|---|---|
| GS-9 step 1 | $64,543 | $61,722 | −6.2% |
| GS-11 step 1 | $78,091 | $74,678 | −6.2% |
| GS-12 step 1 | $93,598 | $89,508 | −6.2% |
| GS-13 step 1 | $111,301 | $106,437 | −6.2% |
| GS-14 step 1 | $131,525 | $125,776 | −6.2% |
Pay for common jobs
| Median annual pay4 | Buffalo, NY | Pensacola, FL | Pensacola pay in Buffalo dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $76,490 | $50,360 | $49,395 (−35.4%) |
| Software Developers | $127,850 | $108,430 | $106,352 (−16.8%) |
| Accountants and Auditors | $82,120 | $76,410 | $74,945 (−8.7%) |
| Registered Nurses | $99,060 | $77,890 | $76,397 (−22.9%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.