City comparison
Clarksville, TN vs Utica, NY
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Prices in Utica, NY are 1.9% higher than in Clarksville, TN. Someone earning $100,000 in Clarksville, TN would need about $101,900 in Utica, NY to live the same way.
- Rent is the bigger story: a typical 1-bedroom costs $1,094 a month in Clarksville, TN versus $926 in Utica, NY. On $100,000, that's 17% of take-home pay in Clarksville, TN and 15% in Utica, NY.
- On $100,000, estimated state income tax is about $4,860 a year higher in Utica, NY than in Clarksville, TN.
- 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 Clarksville, TN to Utica, NY changes real buying power by −1.9%, purely from prices.
- Clarksville, TN: price level 90.9 (much cheaper)
- Utica, NY: price level 92.7 (cheaper)
Map drawn from Census Bureau state boundaries and metro locations9,10; dot colours show BEA price levels2.
Side by side
| Clarksville, TN | Utica, NY | |
|---|---|---|
| Price level (U.S. = 100)2 | 90.9 | 92.7 |
| $100,000 is worth, in the other city2 | $101,903 in Utica | $98,132 in Clarksville |
| Typical 1-bedroom rent3 | $1,094/mo | $926/mo |
| Take-home on $100,00014,15,8 | $79,180 | $74,320 |
| State income tax on $100,000 (estimate)8 | $0 (TN) | $4,860 (NY) |
| Rent burden on $100,000 | 17% | 15% |
| Median pay, all jobs4 | $44,860 | $48,970 |
| Federal locality pay area7 | Rest of U.S. | Rest of U.S. |
Rent areas: Clarksville, TN-KY HUD Metro FMR Area and Utica-Rome, NY MSA. Metro areas: Clarksville, TN-KY and Utica-Rome, NY.
What costs more or less
| Price level (U.S. = 100) | Clarksville | Utica |
|---|---|---|
| Housing (rent) | 73.8 | 66.1 |
| Goods | 96.2 | 99.7 |
| Utilities | 72.5 | 131.9 |
| Other services | 95.5 | 97.8 |
| Overall | 90.9 | 92.7 |
Moving with the same $100,000 salary
Clarksville, TN → Utica, NY
Roughly even
Buying power −1.9%; rent takes 15% of take-home; state tax +$4,860/yr.
63 Fair offer
Utica, NY → Clarksville, TN
Roughly even
Buying power +1.9%; rent takes 17% of take-home; state tax −$4,860/yr.
75 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 Clarksville, TN to Utica, NY at the same grade and step does to real buying power.
| Grade5,2 | Clarksville, TN | Utica, NY | Real change, Clarksville → Utica |
|---|---|---|---|
| GS-9 step 1 | $61,722 | $61,722 | −1.9% |
| GS-11 step 1 | $74,678 | $74,678 | −1.9% |
| GS-12 step 1 | $89,508 | $89,508 | −1.9% |
| GS-13 step 1 | $106,437 | $106,437 | −1.9% |
| GS-14 step 1 | $125,776 | $125,776 | −1.9% |
Pay for common jobs
| Median annual pay4 | Clarksville, TN | Utica, NY | Utica pay in Clarksville dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $59,760 | $77,010 | $75,572 (+26.5%) |
| Software Developers | $96,650 | $113,390 | $111,272 (+15.1%) |
| Accountants and Auditors | $72,760 | $79,830 | $78,339 (+7.7%) |
| Registered Nurses | $79,450 | $94,300 | $92,539 (+16.5%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.