City comparison
Chattanooga, TN vs Naples, FL
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Prices in Naples, FL are 12.8% higher than in Chattanooga, TN. Someone earning $100,000 in Chattanooga, TN would need about $112,800 in Naples, FL to live the same way.
- Rent is the bigger story: a typical 1-bedroom costs $1,797 a month in Naples, FL versus $1,263 in Chattanooga, TN. On $100,000, that's 27% of take-home pay in Naples, FL and 19% in Chattanooga, TN.
- Estimated state income tax on $100,000 is close: $0 a year in TN and $0 in FL.
- Both cities are in the same federal pay area (Rest of U.S.), so a GS-13 step 1 earns $106,437 in either. A transfer from Chattanooga, TN to Naples, FL changes real buying power by −11.4%, purely from prices.
- Chattanooga, TN: price level 91.5 (much cheaper)
- 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
| Chattanooga, TN | Naples, FL | |
|---|---|---|
| Price level (U.S. = 100)2 | 91.5 | 103.2 |
| $100,000 is worth, in the other city2 | $112,831 in Naples | $88,628 in Chattanooga |
| Typical 1-bedroom rent3 | $1,263/mo | $1,797/mo |
| Take-home on $100,00014,15,8 | $79,180 | $79,180 |
| State income tax on $100,000 (estimate)8 | $0 (TN) | $0 (FL) |
| Rent burden on $100,000 | 19% | 27% |
| Median pay, all jobs4 | $46,700 | $47,800 |
| Federal locality pay area7 | Rest of U.S. | Rest of U.S. |
Rent areas: Chattanooga, TN-GA MSA and Naples-Marco Island, FL MSA. Metro areas: Chattanooga, TN-GA and Naples-Marco Island, FL.
What costs more or less
| Price level (U.S. = 100) | Chattanooga | Naples |
|---|---|---|
| Housing (rent) | 76.5 | 129.4 |
| Goods | 96.0 | 96.2 |
| Utilities | 74.2 | 87.8 |
| Other services | 95.3 | 98.9 |
| Overall | 91.5 | 103.2 |
Moving with the same $100,000 salary
Chattanooga, TN → Naples, FL
Same pay buys less
Buying power −11.4%; rent takes 27% of take-home; state tax +$0/yr.
34 Weak offer
Naples, FL → Chattanooga, TN
Same pay goes further
Buying power +12.8%; rent takes 19% of take-home; state tax +$0/yr.
100 Strong offer
On the GS pay scale?
Both metros are in the Rest of U.S. locality pay area, so GS salaries are identical. The last column shows what a transfer from Chattanooga, TN to Naples, FL at the same grade and step does to real buying power.
| Grade5,2 | Chattanooga, TN | Naples, FL | Real change, Chattanooga → Naples |
|---|---|---|---|
| GS-9 step 1 | $61,722 | $61,722 | −11.4% |
| GS-11 step 1 | $74,678 | $74,678 | −11.4% |
| GS-12 step 1 | $89,508 | $89,508 | −11.4% |
| GS-13 step 1 | $106,437 | $106,437 | −11.4% |
| GS-14 step 1 | $125,776 | $125,776 | −11.4% |
Pay for common jobs
| Median annual pay4 | Chattanooga, TN | Naples, FL | Naples pay in Chattanooga dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $59,830 | $60,470 | $53,593 (−10.4%) |
| Software Developers | $106,750 | $130,730 | $115,863 (+8.5%) |
| Accountants and Auditors | $76,680 | $84,570 | $74,953 (−2.3%) |
| Registered Nurses | $79,770 | $93,330 | $82,716 (+3.7%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.