City comparison
Hartford, CT vs Naples, FL
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Overall prices in Hartford, CT (102.7) and Naples, FL (103.2, U.S. average = 100) are within 1% of each other, so $100,000 in Hartford, CT goes as far as $100,400 in Naples, FL.
- Rent is the bigger story: a typical 1-bedroom costs $1,797 a month in Naples, FL versus $1,477 in Hartford, CT. On $100,000, that's 27% of take-home pay in Naples, FL and 24% in Hartford, CT.
- On $100,000, estimated state income tax is about $3,925 a year higher in Hartford, CT than in Naples, FL.
- For federal employees, locality pay changes a GS-13 step 1 salary by −11.4% moving from Hartford, CT to Naples, FL ($120,094 → $106,437), while prices change by +0.4%. Net effect of the transfer: −11.8% in real buying power.
- Hartford, CT: price level 102.7 (pricier)
- 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
| Hartford, CT | Naples, FL | |
|---|---|---|
| Price level (U.S. = 100)2 | 102.7 | 103.2 |
| $100,000 is worth, in the other city2 | $100,442 in Naples | $99,560 in Hartford |
| Typical 1-bedroom rent3 | $1,477/mo | $1,797/mo |
| Take-home on $100,00014,15,8 | $75,255 | $79,180 |
| State income tax on $100,000 (estimate)8 | $3,925 (CT) | $0 (FL) |
| Rent burden on $100,000 | 24% | 27% |
| Median pay, all jobs4 | $59,940 | $47,800 |
| Federal locality pay area7 | Hartford-East Hartford, CT-MA | Rest of U.S. |
Rent areas: Hartford-West Hartford-East Hartford, CT MSA and Naples-Marco Island, FL MSA. Metro areas: Hartford-West Hartford-East Hartford, CT and Naples-Marco Island, FL.
What costs more or less
| Price level (U.S. = 100) | Hartford | Naples |
|---|---|---|
| Housing (rent) | 110.2 | 129.4 |
| Goods | 97.3 | 96.2 |
| Utilities | 144.9 | 87.8 |
| Other services | 102.7 | 98.9 |
| Overall | 102.7 | 103.2 |
Moving with the same $100,000 salary
Hartford, CT → Naples, FL
Roughly even
Buying power −0.4%; rent takes 27% of take-home; state tax −$3,925/yr.
64 Fair offer
Naples, FL → Hartford, CT
Roughly even
Buying power +0.4%; rent takes 24% of take-home; state tax +$3,925/yr.
70 Strong offer
On the GS pay scale?
Hartford, CT is in the Hartford-East Hartford, CT-MA pay area; Naples, FL is in Rest of U.S.. The last column shows what a transfer from Hartford, CT to Naples, FL at the same grade and step does to real buying power.
| Grade5,2 | Hartford, CT | Naples, FL | Real change, Hartford → Naples |
|---|---|---|---|
| GS-9 step 1 | $69,642 | $61,722 | −11.8% |
| GS-11 step 1 | $84,260 | $74,678 | −11.8% |
| GS-12 step 1 | $100,992 | $89,508 | −11.8% |
| GS-13 step 1 | $120,094 | $106,437 | −11.8% |
| GS-14 step 1 | $141,915 | $125,776 | −11.8% |
Pay for common jobs
| Median annual pay4 | Hartford, CT | Naples, FL | Naples pay in Hartford dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $79,800 | $60,470 | $60,204 (−24.6%) |
| Software Developers | $132,520 | $130,730 | $130,155 (−1.8%) |
| Accountants and Auditors | $95,940 | $84,570 | $84,198 (−12.2%) |
| Registered Nurses | $101,470 | $93,330 | $92,919 (−8.4%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.