City comparison
Gainesville, FL vs Rockford, IL
What a paycheck is really worth in each city: prices, rent, state taxes and federal GS pay.
Key findings
- Prices in Gainesville, FL are 5.0% higher than in Rockford, IL. Someone earning $100,000 in Rockford, IL would need about $105,000 in Gainesville, FL to live the same way.
- Rent is the bigger story: a typical 1-bedroom costs $1,246 a month in Gainesville, FL versus $895 in Rockford, IL. On $100,000, that's 19% of take-home pay in Gainesville, FL and 14% in Rockford, IL.
- On $100,000, estimated state income tax is about $4,805 a year higher in Rockford, IL than in Gainesville, FL.
- For federal employees, locality pay changes a GS-13 step 1 salary by +11.8% moving from Gainesville, FL to Rockford, IL ($106,437 → $118,984), while prices change by −4.7%. Net effect of the transfer: +17.3% in real buying power.
- Gainesville, FL: price level 96.7 (cheaper)
- Rockford, IL: price level 92.2 (cheaper)
Map drawn from Census Bureau state boundaries and metro locations9,10; dot colours show BEA price levels2.
Side by side
| Gainesville, FL | Rockford, IL | |
|---|---|---|
| Price level (U.S. = 100)2 | 96.7 | 92.2 |
| $100,000 is worth, in the other city2 | $95,266 in Rockford | $104,969 in Gainesville |
| Typical 1-bedroom rent3 | $1,246/mo | $895/mo |
| Take-home on $100,00014,15,8 | $79,180 | $74,375 |
| State income tax on $100,000 (estimate)8 | $0 (FL) | $4,805 (IL) |
| Rent burden on $100,000 | 19% | 14% |
| Median pay, all jobs4 | $47,020 | $47,120 |
| Federal locality pay area7 | Rest of U.S. | Chicago-Naperville, IL-IN-WI |
Rent areas: Gainesville, FL HUD Metro FMR Area and Rockford, IL MSA. Metro areas: Gainesville, FL and Rockford, IL.
What costs more or less
| Price level (U.S. = 100) | Gainesville | Rockford |
|---|---|---|
| Housing (rent) | 93.0 | 70.1 |
| Goods | 96.2 | 93.6 |
| Utilities | 88.2 | 89.4 |
| Other services | 98.9 | 99.6 |
| Overall | 96.7 | 92.2 |
Moving with the same $100,000 salary
Gainesville, FL → Rockford, IL
Same pay goes further
Buying power +5.0%; rent takes 14% of take-home; state tax +$4,805/yr.
84 Strong offer
Rockford, IL → Gainesville, FL
Same pay buys less
Buying power −4.7%; rent takes 19% of take-home; state tax −$4,805/yr.
54 Fair offer
Federal employees: GS pay
Gainesville, FL is in the Rest of U.S. pay area; Rockford, IL is in Chicago-Naperville, IL-IN-WI. The last column shows what a transfer from Gainesville, FL to Rockford, IL at the same grade and step does to real buying power.
| Grade5,2 | Gainesville, FL | Rockford, IL | Real change, Gainesville → Rockford |
|---|---|---|---|
| GS-9 step 1 | $61,722 | $68,999 | +17.3% |
| GS-11 step 1 | $74,678 | $83,482 | +17.3% |
| GS-12 step 1 | $89,508 | $100,059 | +17.3% |
| GS-13 step 1 | $106,437 | $118,984 | +17.3% |
| GS-14 step 1 | $125,776 | $140,604 | +17.3% |
Pay for common jobs
| Median annual pay4 | Gainesville, FL | Rockford, IL | Rockford pay in Gainesville dollars |
|---|---|---|---|
| Information Security Analysts | $104,000 | $119,400 | $125,333 (+20.5%) |
| Software Developers | $122,950 | $107,640 | $112,988 (−8.1%) |
| Accountants and Auditors | $75,820 | $75,260 | $79,000 (+4.2%) |
| Registered Nurses | $81,870 | $80,930 | $84,951 (+3.8%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.