City comparison
Clarksville, TN vs Palm Bay, FL
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Prices in Palm Bay, FL are 10.0% higher than in Clarksville, TN. Someone earning $100,000 in Clarksville, TN would need about $110,000 in Palm Bay, FL to live the same way.
- Rent is the bigger story: a typical 1-bedroom costs $1,478 a month in Palm Bay, FL versus $1,094 in Clarksville, TN. On $100,000, that's 22% of take-home pay in Palm Bay, FL and 17% in Clarksville, TN.
- Estimated state income tax on $100,000 is close: $0 a year in TN and $0 in FL.
- For federal employees, locality pay changes a GS-13 step 1 salary by +0.7% moving from Clarksville, TN to Palm Bay, FL ($106,437 → $107,228), while prices change by +10.0%. Net effect of the transfer: −8.4% in real buying power.
- Clarksville, TN: price level 90.9 (much cheaper)
- Palm Bay, FL: price level 100.0 (about average)
Map drawn from Census Bureau state boundaries and metro locations9,10; dot colours show BEA price levels2.
Side by side
| Clarksville, TN | Palm Bay, FL | |
|---|---|---|
| Price level (U.S. = 100)2 | 90.9 | 100.0 |
| $100,000 is worth, in the other city2 | $109,960 in Palm Bay | $90,942 in Clarksville |
| Typical 1-bedroom rent3 | $1,094/mo | $1,478/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 | 17% | 22% |
| Median pay, all jobs4 | $44,860 | $49,030 |
| Federal locality pay area7 | Rest of U.S. | Palm Bay-Melbourne-Titusville, FL |
Rent areas: Clarksville, TN-KY HUD Metro FMR Area and Palm Bay-Melbourne-Titusville, FL MSA. Metro areas: Clarksville, TN-KY and Palm Bay-Melbourne-Titusville, FL.
What costs more or less
| Price level (U.S. = 100) | Clarksville | Palm Bay |
|---|---|---|
| Housing (rent) | 73.8 | 111.7 |
| Goods | 96.2 | 96.2 |
| Utilities | 72.5 | 88.1 |
| Other services | 95.5 | 98.9 |
| Overall | 90.9 | 100.0 |
Moving with the same $100,000 salary
Clarksville, TN → Palm Bay, FL
Same pay buys less
Buying power −9.1%; rent takes 22% of take-home; state tax +$0/yr.
40 Weak offer
Palm Bay, FL → Clarksville, TN
Same pay goes further
Buying power +10.0%; rent takes 17% of take-home; state tax +$0/yr.
100 Strong offer
On the GS pay scale?
Clarksville, TN is in the Rest of U.S. pay area; Palm Bay, FL is in Palm Bay-Melbourne-Titusville, FL. The last column shows what a transfer from Clarksville, TN to Palm Bay, FL at the same grade and step does to real buying power.
| Grade5,2 | Clarksville, TN | Palm Bay, FL | Real change, Clarksville → Palm Bay |
|---|---|---|---|
| GS-9 step 1 | $61,722 | $62,181 | −8.4% |
| GS-11 step 1 | $74,678 | $75,233 | −8.4% |
| GS-12 step 1 | $89,508 | $90,173 | −8.4% |
| GS-13 step 1 | $106,437 | $107,228 | −8.4% |
| GS-14 step 1 | $125,776 | $126,711 | −8.4% |
Pay for common jobs
| Median annual pay4 | Clarksville, TN | Palm Bay, FL | Palm Bay pay in Clarksville dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $59,760 | $62,510 | $56,848 (−4.9%) |
| Software Developers | $96,650 | $131,760 | $119,826 (+24.0%) |
| Accountants and Auditors | $72,760 | $75,860 | $68,989 (−5.2%) |
| Registered Nurses | $79,450 | $80,900 | $73,572 (−7.4%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.