City comparison
Harrisburg, PA vs Naples, FL
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Prices in Naples, FL are 4.6% higher than in Harrisburg, PA. Someone earning $100,000 in Harrisburg, PA would need about $104,600 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 $1,212 in Harrisburg, PA. On $100,000, that's 27% of take-home pay in Naples, FL and 19% in Harrisburg, PA.
- On $100,000, estimated state income tax is about $3,070 a year higher in Harrisburg, PA than in Naples, FL.
- For federal employees, locality pay changes a GS-13 step 1 salary by −2.0% moving from Harrisburg, PA to Naples, FL ($108,592 → $106,437), while prices change by +4.6%. Net effect of the transfer: −6.3% in real buying power.
- Harrisburg, PA: price level 98.7 (about average)
- 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
| Harrisburg, PA | Naples, FL | |
|---|---|---|
| Price level (U.S. = 100)2 | 98.7 | 103.2 |
| $100,000 is worth, in the other city2 | $104,612 in Naples | $95,591 in Harrisburg |
| Typical 1-bedroom rent3 | $1,212/mo | $1,797/mo |
| Take-home on $100,00014,15,8 | $76,110 | $79,180 |
| State income tax on $100,000 (estimate)8 | $3,070 (PA) | $0 (FL) |
| Rent burden on $100,000 | 19% | 27% |
| Median pay, all jobs4 | $49,610 | $47,800 |
| Federal locality pay area7 | Harrisburg-Lebanon, PA | Rest of U.S. |
Rent areas: Harrisburg-Carlisle, PA MSA and Naples-Marco Island, FL MSA. Metro areas: Harrisburg-Carlisle, PA and Naples-Marco Island, FL.
What costs more or less
| Price level (U.S. = 100) | Harrisburg | Naples |
|---|---|---|
| Housing (rent) | 96.3 | 129.4 |
| Goods | 100.7 | 96.2 |
| Utilities | 108.1 | 87.8 |
| Other services | 97.7 | 98.9 |
| Overall | 98.7 | 103.2 |
Moving with the same $100,000 salary
Harrisburg, PA → Naples, FL
Same pay buys less
Buying power −4.4%; rent takes 27% of take-home; state tax −$3,070/yr.
52 Fair offer
Naples, FL → Harrisburg, PA
Same pay goes further
Buying power +4.6%; rent takes 19% of take-home; state tax +$3,070/yr.
83 Strong offer
On the GS pay scale?
Harrisburg, PA is in the Harrisburg-Lebanon, PA pay area; Naples, FL is in Rest of U.S.. The last column shows what a transfer from Harrisburg, PA to Naples, FL at the same grade and step does to real buying power.
| Grade5,2 | Harrisburg, PA | Naples, FL | Real change, Harrisburg → Naples |
|---|---|---|---|
| GS-9 step 1 | $62,972 | $61,722 | −6.3% |
| GS-11 step 1 | $76,190 | $74,678 | −6.3% |
| GS-12 step 1 | $91,320 | $89,508 | −6.3% |
| GS-13 step 1 | $108,592 | $106,437 | −6.3% |
| GS-14 step 1 | $128,323 | $125,776 | −6.3% |
Pay for common jobs
| Median annual pay4 | Harrisburg, PA | Naples, FL | Naples pay in Harrisburg dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $77,160 | $60,470 | $57,804 (−25.1%) |
| Software Developers | $109,470 | $130,730 | $124,966 (+14.2%) |
| Accountants and Auditors | $76,510 | $84,570 | $80,841 (+5.7%) |
| Registered Nurses | $96,770 | $93,330 | $89,215 (−7.8%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.